Business-purpose finance, assessed on the merits of the deal.
We lend to developers and businesses that trade under an Australian Business Number. Loans are for business purposes only; we do not provide consumer credit.
Construction finance
For residential developers with an approved or lodged development application.
- Typical projectsTownhouses, small apartment buildings, dual occupancies and subdivisions.
- What we assessThe development approval and conditions, the builder and build contract, the cost plan, the end values and the exit, whether by sale or refinance.
- DrawdownsProgress payments are released against verified stages of the build.
Business loans
Unsecured loans and lines of credit for established businesses with an ABN, with no property or asset security required.
- SecurityNo property or asset security. Directors or owners may be asked for a personal guarantee.
- What we assessBusiness turnover and cash flow, trading history, the use of funds and the repayment capacity of the business.
- ApplicationStart with the funding request below. We will then ask for recent business bank statements to complete the assessment.
Asset and equipment finance
Loans secured by the asset being financed, or by assets the business already owns, for businesses with an ABN.
- EquipmentMachinery, plant, trucks and trailers, construction and earthmoving equipment, technology, medical and fit-out equipment.
- VehiclesCommercial and business-use vehicles, financed for business purposes only.
- Asset-backed loansFunding secured against equipment, vehicles, stock or receivables the business already owns, to release working capital.
- StructuresSecured loans and chattel mortgages, with terms matched to the working life of the asset. Balloon or residual payments where appropriate.
- What we assessThe asset and its value, the business's trading history and cash flow, and the supplier or invoice for new purchases.
Property-secured lines
For businesses and investors borrowing against commercial or investment property for a business purpose.
- UsesAcquisition, refinance, bridging between transactions and short-term business funding.
- What we assessThe property, its valuation, the loan-to-value ratio, the purpose of the funds and the exit.
- SecurityRegistered mortgage over the property, with guarantees where appropriate.
Clear fees, disclosed before you commit.
Our fees are set out in the loan offer before you accept. Where a loan is co-funded or placed with a funding partner, any fee we receive is disclosed to you in writing before you proceed.
Tell us what you need.
Set out the finance you are looking for, what it is for and the security available. We review every request against our lending criteria and will come back to you with a clear answer, or with the further information we need.
Only the fields marked * are needed to start. Enter your ABN and we will fill in your business name from the Australian Business Register. The more detail you give, the faster we can respond. There is no obligation to proceed.
Or email lending@yield.com.au.
Business-purpose lending only, to borrowers with an ABN. We do not provide consumer credit or home loans.
Frequently asked questions.
What does Yield Capital Investors lend for?
Business-purpose loans to Australian borrowers with an ABN: construction finance for residential developments, unsecured business loans and lines of credit, asset and equipment finance (secured by equipment, vehicles or other business assets), and loans secured by commercial or investment property, including bridging.
Does Yield provide home loans or personal loans?
No. Yield Capital Investors does not provide home loans or consumer credit. All lending is for business purposes, to borrowers with an ABN.
What does Yield assess on a construction loan?
The development approval and conditions, the builder and build contract, the cost plan, the end values and the exit, whether by sale or refinance. Progress payments are released against verified stages of the build.
Does Yield offer equipment and asset finance?
Yes. Yield finances machinery, plant, trucks, construction and earthmoving equipment, technology, fit-out and business-use vehicles for businesses with an ABN, and provides asset-backed loans secured against equipment, vehicles, stock or receivables the business already owns. Terms are matched to the working life of the asset.
How do I apply?
Use the funding request form on this page. Only the type of finance, the amount, the purpose, your ABN and contact details are needed to start; your ABN fills in your business name. Borrowers deal with Yield directly.