About Esteb Capital

Esteb Capital is a private lending firm specialising in secured, short-term finance for Australian businesses. We provide first-mortgage lending against real assets — property, vehicles, boats, and other tangible security — giving borrowers access to capital when traditional lenders are too slow or too rigid.

With a history of private lending throughout Australia, we understand the commercial landscape and the pressures business owners face when timing is critical. Whether you're a property developer needing to settle on a site, a construction company bridging between progress payments, or a business owner seizing a time-sensitive opportunity, we provide the funding solutions that keep your projects moving forward.

We're not a bank. We don't operate like one. Our lending decisions are based on the quality of the security, the soundness of the exit strategy, and the commercial merit of the deal — not just a credit score or months of paperwork.

This means faster decisions, clearer terms, and funding that settles in days rather than months. Our direct lending rates start from 10% for first-mortgage positions, with interest-only repayments over 6 to 12-month terms. All costs are transparent and disclosed upfront.

We offer two lending channels to suit different needs and timeframes:

Every deal is assessed on its own merits. We look at the asset, the borrower's exit strategy, and the commercial rationale for the loan. If the deal stacks up, we move quickly to get it funded.

We require personal guarantees from directors and borrowers. This aligns interests and ensures that everyone has skin in the game. All legal costs are paid by the borrower, and we use independent solicitors to ensure a clean process.

Our lending is strictly for business and commercial purposes. We do not provide consumer credit or regulated lending products.

We lend across every state and territory in Australia. From metropolitan properties in Sydney and Melbourne to regional developments in Queensland and Western Australia, we have experience with diverse property types and commercial scenarios throughout the country.