Private Lending Solutions

Speed Meets Capital

Institutional-grade property financing with unmatched speed. From application to settlement in as little as 72 hours.

75%
Max LVR
2h
Term Sheet
72h
Settlement
8.25%
Rate From
Submit Your Scenario
Why Choose Vertex

Built for Speed & Certainty

We see opportunity where banks see risk

Lightning Fast Decisions

2-hour term sheets, not 2-week waits. Our AI-powered assessment delivers indicative offers within hours.

High LVR Flexibility

Up to 75% LVR on Sydney Metro residential, 70% commercial, 65% industrial.

Broker First

Competitive commissions, transparent process, and dedicated relationship managers.

Complex Deals Welcome

Bank declined? We specialize in scenarios others won't touch.

Certainty of Execution

When we say yes, we mean it. No last-minute surprises at settlement.

Transparent Pricing

Rates from 8.25% p.a. with no hidden costs or exit penalties.

How It Works

Simple 3-Step Process

From scenario to settlement, straightforward

1

Submit Scenario

Share your deal details via our portal

2

2h Term Sheet

Receive indicative terms within 2 hours

3

72h Settlement

Funds transferred in as little as 72 hours

Ready to Move Fast?

Join 300+ brokers who trust Vertex for speed and certainty

Get Started Today
Knowledge Centre

Expert Insights

Your questions answered by our lending specialists

Non-bank financing provided by private investors or funds that prioritizes property security over income verification, enabling quicker approvals and adaptable criteria.
Property investors, developers, business owners, and individuals needing rapid funding or lacking traditional bank qualification, including auction purchases and development projects.
No. Vertex Capital operates as a private lender, not an ADI, drawing from private investors and wholesale funds for faster, more flexible solutions.
Rates start from 8.25% p.a. with pricing dependent on LVR, property type, location, loan duration, and borrower circumstances, disclosed transparently upfront.
Up to 75% LVR on residential property and up to 70% LVR on commercial property, varying based on property specifics and deal structure.
Bridging finance typically spans 3-12 months; business loans extend to 24 months. Extensions available upon satisfactory review.
No early exit fees or penalties are imposed; borrowers may repay anytime without additional costs.
Establishment fees (1-2%), legal fees, and valuation costs are disclosed in term sheets with no hidden charges or application fees.
Indicative term sheets within 12 hours, formal approval typically within 24-48 hours, with settlement in 1-3 weeks for straightforward transactions.
Identification, property details, exit strategy evidence, and minimal income documentation compared to traditional banks.
Yes. Common bank-decline scenarios (credit issues, complex income, non-resident status) are often addressable through private lending assessment.
Residential, commercial, vacant land, rural, development sites, and specialist properties throughout Australia's metropolitan and major regional areas.
Yes, where sufficient equity and clear exit strategies exist; second mortgages carry higher rates reflecting increased risk.
Yes, competitive upfront commissions available to accredited brokers; rates vary by product and structure.
Hold current ACL or Credit Representative status, complete accreditation form, submit test scenario; accreditation typically completes within 24 hours.
Yes, accredited brokers access an online portal for scenario submission, application tracking, and document retrieval with real-time updates.

Get In Touch

Submit your scenario and receive a term sheet within 2 hours. Our team is ready to help you move fast.

0431 599 788
info@vertexcap.com.au
Sydney, NSW, Australia