Security first
We assess what secures a loan and how it will be repaid before we consider the return.
About
Long-term capital. Disciplined investing.
Yield Capital Investors provides business-purpose finance to Australian businesses and developers, and develops wholesale investment products to hold the loans it originates.
Principles
Principles
01
02
Business purpose only
We lend only to businesses with an ABN, for business purposes. We do not provide consumer credit, and we do not offer investments to retail clients.
03
Disclosure
Fees, referral arrangements and conflicts are disclosed in writing before anyone commits.
How we lend
Credit process.
- Criteria firstEach loan is assessed against written lending criteria covering security, loan-to-value ratio, borrower capacity and exit before pricing is considered.
- Independent valuationProperty and construction loans rely on independent valuations and, for construction, an independent assessment of the cost plan and progress.
- VerificationBorrowers are identified and verified, and business trading is confirmed from bank statements and the Australian Business Register.
- ConflictsFees, referral arrangements and any conflict of interest are disclosed in writing before anyone commits.
Licensing
Company details.
- EntityYield Capital Investors Pty Ltd, ABN 69 633 995 203
- LicensingCorporate Authorised Representative under Australian Financial Services Licence 338567
- Postal addressPO Box R281, Royal Exchange NSW 1225