Koa Capital provides timely lending solutions to borrowers directly as well as through finance brokers nationwide with whom we maintain strong and lasting relationships. Koa aims to simplify the process of the private lending landscape and help borrowers secure the financing they need for their businesses and real estate projects.
BORROWERS / BROKERS
Why Choose Koa Capital?
Year after year, brokers and borrowers trust Koa Capital to deliver fast funding with transparent fee structures and a dynamic team that works with borrowers not against them.
Fast Turnaround
Expect a response from us within hours, not days or weeks. We understand the urgency that often accompanies financial decisions.
Solutions-Focused
Our approach is rooted in creative problem-solving, offering greater flexibility to meet your specific needs.
Short-Term Loans
We specialise in loans ranging from 3 to 12 months, with no early exit penalties after the minimum term.
Dynamic Team
Our team is focused, hard-working, and creative, committed to delivering exceptional service and solutions.
Niche Opportunities
Where others may hesitate, we strive to find a way. Our expertise allows us to explore niche lending opportunities.
Security Mechanisms
Property
1st Mortgage
2nd Mortgage
Other Security Options
GSA (General Security Agreement): Secures assets other than property via PPSR of security interests in personal assets.
Personal Guarantees: Holds a company director personally liable if the business is unable to repay the loan.
In private lending, security options are essential to protect the lender’s investment. These may include property assets, shares, or other collateral, providing assurance to the lender that their funds are safeguarded in case of borrower default.
Loan Duration
- 1st Mortgages: 3-12 Months
- 2nd Mortgages: 3-12 Months
Loan Size
- Minimum: $500,000
- Maximum: $20,000,000
LVR (Loan to Value Ratio)
- 1st Mortgage: <65%
- 2nd Mortgage: <75%
Property Security Types
- Free-standing property
- Land (with or without DA)
- Residual Stock
Koa Lending Matrix
A lending matrix is a structured framework that financial institutions use to evaluate borrowers’ creditworthiness and determine suitable loan terms. It involves assessing factors such as credit scores, income, and debt-to-income ratios to make informed lending decisions.
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Contact Us
Please give us a call or submit the contact form to send an enquiry. We look forward to hearing from you.