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Commercial Finance

Capital Raise Finance

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Capital Raise Finance Eligibility Criteria

To be eligible for capital raise finance in Australia, most lenders will require:

  • Ownership or equity in an existing asset
  • Proof of identity
  • Evidence of income or ability to service the loan
  • An acceptable credit profile

Lenders will also assess the value of the asset, the level of equity available, and your overall financial position when determining how much capital can be released.

Capital Raise Finance Interest Rates in Australia

Interest rates for capital raise finance in Australia can vary depending on the lender, your financial profile, and the structure of the loan. Key factors that may influence the rate offered include:

  • The value of the asset
  • The amount of equity available
  • Loan amount and term
  • Credit history
  • Overall financial position

Capital raise finance is typically structured as a secured facility, which can support access to competitive interest rates and larger funding amounts.

What is Capital Raise Finance?

Capital raise finance is a type of funding that allows businesses or individuals to access capital by leveraging equity in an existing asset, such as property, vehicles, or equipment. Instead of selling the asset, you can use its value to unlock funds for business or personal use.

In Australia, capital raise finance can be arranged through banks, specialist lenders, or a finance broker. The structure, interest rate, and approval process will depend on factors such as the value of the asset, the available equity, and your financial position.

Capital raise finance provides a flexible way to access funding, whether for business expansion, investment opportunities, or improving cash flow.

How Does Capital Raise Finance Work In Australia?

Capital raise finance works by using the equity in an existing asset as security for a new loan or increased facility. The amount you can access is based on the asset’s value and any outstanding debt against it.

Once approved, funds are released to you directly and can be used for a range of purposes, including business growth, investment, or debt consolidation. Repayments are structured over an agreed term and can be tailored to suit your cash flow.

Capital raise finance is typically structured as a secured facility, with the underlying asset used as collateral. This allows lenders to provide larger funding amounts and flexible lending structures.

Frequently asked questions!

How much can I borrow for car finance?

  • Loan amounts typically range from $5,000 to over $250,000 depending on your financial position and lender policy.

Can I get car finance with bad credit?

  • Yes, it may still be possible to obtain car finance even if you have a poor or impaired credit history. Some specialist lenders assess applications based on your current financial position rather than past credit issues alone.

Can I Refinance a car loan?

  • Yes. Car loan refinancing allows you to replace your existing loan with a new one, potentially with a lower interest rate, reduced repayments or a different loan term.

Can I finance a private sale vehicle?

  • Yes.
  • We can assist with:
  • Dealership purchases
  • Private sales
  • Interstate purchases
  • Auction purchases

Can I get car finance with no deposit?

  • Yes. Many lenders allow car finance with a low deposit or, in some cases, no deposit at all. However, the deposit amount can influence your loan-to-value ratio (LVR), interest rate and approval outcome. Providing a deposit may reduce your repayments and the total interest payable over the life of the loan.

Is car finance tax deductible in Australia?

  • Car finance may be tax deductible if the vehicle is used for business purposes. Interest charges and certain loan-related expenses can sometimes be claimed as business deductions, depending on your circumstances.

    Eligibility depends on factors such as business use percentage and loan structure. You should seek advice from a qualified accountant regarding your specific situation.

Unlock equity in your assets with Avero Finance. Capital raise finance across 80+ lenders using property, vehicles or equipment as security. Apply now.