Indicative pricing
See your rate before you call.
Adjust the inputs below to see how security type, location, LVR, and timing shape an indicative rate. No contact details required.
How our pricing works
What moves your rate.
Rates start from 10% per annum for the strongest deals. A handful of factors determine where yours lands:
- Security quality — 1st mortgage on metro commercial property is best
- Location — metro areas price keener than regional or rural
- LVR — the lower the loan-to-value ratio, the better the rate
- Urgency — needing funds in days costs more than standard timeframes
- Term length — shorter terms attract higher fees
- Fees — we avoid app and broker fees where possible, but they can apply
Additional Fees
We try to avoid application and broker fees wherever possible, but sometimes they are part of the deal structure.
Direct — Esteb Capital
Indicative Interest Rate
10.0% – 10.5%
per annum, interest only
Estimated Monthly Repayment
$4,167
on $500,000 (interest only)
Estimated Legal Costs
$5,000 – $7,500
Paid by borrower — depends on deal complexity
Estimated Total Upfront Costs
$5,000 – $7,500
Legal costs + fees (excl. interest)
Rate Breakdown
Indicative Only
All pricing shown is indicative in nature and is provided to help educate borrowers on the factors that influence private lending costs. Every deal is assessed on its own merits — actual rates, fees, and legal costs are determined on a deal-by-deal basis following a full assessment of the security, borrower, exit strategy, and overall deal structure. This calculator does not constitute a formal offer, quote, or pre-approval. All loans are for business and commercial purposes only. Borrower pays all legal costs. Contact us for a formal assessment of your deal.
Like What You See?
Submit a formal enquiry and we'll provide confirmed terms based on a full assessment of your deal.