How It Works
Three simple steps from enquiry to funded. No unnecessary complexity.
01
Submit Your Enquiry
- Tell us the loan amount you need
- Describe the security you're offering (property, vehicle, boat, or other real assets)
- Outline your exit strategy — how the loan will be repaid
- Provide a brief description of the purpose and your preferred timeframe
Our online enquiry form takes less than 5 minutes to complete.
02
We Assess the Deal
- We evaluate the security — location, type, and current market value
- We review your exit strategy for feasibility and timing
- We discuss terms including rate, term length, and any conditions
- Indicative terms are typically provided within 48 hours
We look at the deal, not just the credit score. If the security stacks up, we can move.
03
Funding Settled
- Formal loan documentation is prepared by independent solicitors
- Security is registered (first mortgage position)
- Personal guarantees and any other conditions are executed
- Funds are disbursed directly — you get the capital you need
Settlement can happen within days of approval, depending on the complexity of the deal.
Key Terms
RatesFrom 8% brokered via Esteb & Co, or from 10% funded direct through Esteb Capital
Term6-12 month minimum, interest only
SecurityFirst mortgage over real property, vehicles, boats, or other assets
GuaranteesDirectors' personal guarantees required
Legal CostsAll legal costs paid by the borrower ($5,000 – $10,000 depending on deal)
PurposeBusiness and commercial purposes only (no consumer lending)
Ready to Get Started?
Submit your enquiry today. We'll assess your deal and provide indicative terms within 48 hours.
Apply Now