General information only. Finance is subject to lender criteria, assessment, terms and approval.
Purpose-ledStart with the transaction
TransparentConsider cost and conditions
Case by caseNo blanket promises
At a glance
Where Equity Release Loans may fit
Property equity may support an eligible funding request, subject to valuation, existing debt, the proposed purpose and the lender's assessment.
The suitable structure depends on the purpose, requested amount and term, borrower profile, supporting documents, security and a credible repayment or exit strategy.
Common scenarios
Purchase or refinance
A timing gap between transactions
A defined investment or property strategy
Assessment
What lenders typically review
Requirements vary, but a well-prepared request usually addresses these fundamentals.
Purpose & timing
What the funds are for, how much is needed and when the transaction needs to complete.
Financial position
Income, trading history, existing commitments, credit profile and capacity to meet the proposed terms.
Security & exit
Available security, current value and debt, plus a realistic repayment, refinance or sale strategy.
Our process
From initial conversation to an informed decision
1
Outline the request
Share the purpose, timing, amount and the background to the scenario.
2
Prepare the information
Confirm the documents and evidence a prospective lender is likely to need.
3
Review indicative terms
Consider the total cost, conditions, risks and exit strategy before proceeding.
Next step
See whether this option may suit your scenario
A short conversation can clarify the information required and the practical pathways worth exploring.
Eligibility depends on the lender, purpose, amount, term, supporting documents, financial position and any proposed security. An enquiry is not an approval.
What will the finance cost?
Rates, fees and other costs vary by lender and risk. Review the complete indicative and final terms, not just the headline rate.
How long does assessment take?
Timing depends on the complexity of the transaction, the lender and whether complete information is available. Approval and settlement timeframes are not guaranteed.
Will alternative documentation be considered?
Some lenders consider alternative evidence for selected scenarios. Requirements still apply, and the lender must be satisfied with the request and repayment pathway.
Indicative product matrix
Equity Release Loans — lending parameters at a glance
A practical starting point for discussing your scenario. These are indicative market parameters, not an offer or approval.
Why Zip Funding is different
We are not a bank. We assess the deal, not just the scorecard.
Private lending for business and property transactions that need judgment, flexibility and a bespoke structure.
Zip Funding works exclusively in the private lending space. We are people in business helping people in business and property, and we take time to understand the complete story behind every proposal.
Credit issues, tax debt, limited or unavailable financial statements, unusual security and urgent timeframes can still be considered. We assess the security, purpose, current circumstances, repayment capacity and credible exit strategy, then present the transaction to suitable private investors and non-bank lenders.
Our position is clear.A proposal should be judged on its individual merits — not rejected simply because it falls outside standard bank policy.
Individual assessmentEach transaction is considered on its complete merits, not automatically declined by a standard scorecard.Credit issues consideredDefaults, arrears, tax debt and previous bankruptcy can be explained and assessed in context.Alternative evidenceBank statements, BAS, leases, contracts, valuations and asset position may support the application.Bespoke funding structureWe shape the proposed term, security and repayment pathway around the actual transaction.200+ funding relationshipsAccess to private investors and non-bank lenders with different mandates and risk appetites.Competitive private termsWe seek suitable pricing and conditions for the circumstances, security and required timeframe.Clear before proceedingProposed rates, fees, conditions and required information are explained before commitment.Practical communicationClear updates, realistic expectations and urgent scenarios prioritised where possible.
Tell us the complete story.We will identify the information required and discuss which private funding pathways may fit.
Approval, pricing, LVR, fees, conditions and timing remain subject to the selected lender, valuation, documentation and funds availability.
Indicative leverage / LVR
Indicatively 80-90% LVR for selected private-lending equity-release structures after existing debt. Age-based reverse-mortgage limits may be materially lower.
Indicative loan amount
$100,000 to $10 million+ depending on available equity and product type.
Typical term
Short-term release, line of credit or longer-term structure.
Security
Eligible residential or investment property.
Bad credit or adverse history
Credit issues do not automatically rule out a proposal. Defaults, arrears, tax debt, discharged bankruptcy and other credit events are assessed in context and on their individual merits.
Limited or no financial statements
A lack of full financial statements does not automatically rule out a proposal. Selected lenders may consider bank statements, BAS, leases, contracts, valuations, accountant information, asset position and a credible exit strategy.
Repayment or exit
Regular repayments, refinance or sale, depending on the selected facility.
Assessment focus
Available equity, purpose, age where relevant, existing debt and exit strategy determine the suitable pathway.
Timing
Indicative approval timing depends on valuation, documents, lender capacity and transaction complexity. Urgent scenarios can be prioritised.
Flexible assessment when the application is not bank-standard
For Equity Release Loans, the outcome depends on the complete scenario rather than one number. Zip Funding can present transactions to lenders that consider credit impairment, tax debt and limited financial statements, provided the security, purpose, repayment capacity and exit strategy are credible. The available LVR, pricing and conditions will vary with lender policy and the applicant’s circumstances.
Credit events are explained in context, including what happened and what has changed.
Alternative evidence can be used where full financial statements or tax returns are unavailable.
Higher-LVR requests need stronger security, a credible exit and a lender whose policy fits the transaction.
Rates, fees, valuation requirements and conditions are confirmed before proceeding.
Important: LVR means the loan amount as a percentage of the lender-accepted value of the security. All figures are indicative only. Eligibility, maximum LVR, loan amount, security, valuation, documents, credit checks, rates, fees, terms, timeframes and approval vary by lender and applicant circumstances. Independent legal, tax and financial advice may be appropriate.
Unlock Business Capital From Equity in Your Property
Access short-term business and commercial finance without automatically selling your property or refinancing every existing facility.
Zip Funding structures first mortgages, second mortgages, caveat loans and bridging facilities around available property equity, business purpose, required timeframe and repayment strategy.
From $100,000 | Up to 80% LVR | Existing first mortgage may remain | Australia-wideHigher leverage may be considered selectively where additional security, a short evidenced exit or another suitable credit enhancement supports the transaction.
LeverageUp to 80% LVR*
First mortgageMay Remain*
SecurityFirst, Second or Caveat*
EvidenceAlternative Documentation
CreditIssues Considered
Property-rich but business-cash constrained? Equity can become productive commercial capital when the security, purpose and exit all work.
Eligible commercial uses
Complete an acquisition
Meet a settlement deadline
Purchase stock or equipment
Pay suppliers or wages
Address an ATO obligation
Complete construction
Fund development costs
Refinance expiring debt
A clear product boundary
This is business finance—not a reverse mortgage.
Zip Funding primarily structures property-backed facilities for genuine business and commercial purposes.
No reverse mortgages or retirement-income products
No home-reversion or government pension-loan schemes
No general personal or lifestyle spending
No consumer debt consolidation outside an appropriate regulated pathway
We establish the exact use of every material part of the facility. A generic “business purpose” statement is not enough where the real circumstances indicate a consumer purpose.
Usable equity—not paper equity
Available capital is calculated after debt, secured costs and lender policy.
The lender may adopt a different value from the borrower’s estimate or purchase price.
The starting position
Gross property equity
Property value−
Existing secured debt=
Gross property equityHeadline position
The lending position
Indicative funding capacity
Accepted value × maximum LVR−
Existing secured debt−
Interest, fees and secured costs=
Indicative net capacityUsable capital
We establish how much equity is genuinely usable, select the correct security structure and tie the facility to a real business purpose and credible repayment event.
Choose the security structure
The existing mortgage does not always need to be refinanced.
Change the assumptions to see how leverage, term, interest and costs affect usable capital.
Equity inputs
Indicative equity position
Gross property equity$0
Maximum combined debt$0
Gross facility capacity$0
Interest allowance$0
Indicative net funds$0
Combined LVR0%
Remaining equity buffer$0
Illustration only—not a valuation, quote or approval. This simplified calculation does not reflect lender-specific compounding, minimum interest, retained-interest mechanics, brokerage, valuation, registration, priority costs, tax, default charges or changes in accepted value.
The purpose determines the appropriate product, evidence and repayment structure.
Working capital
Turn verified equity into operating capacity.
Fund defined business requirements such as wages, stock, suppliers, inventory, marketing or contract mobilisation, supported by a realistic repayment pathway.
A structured credit position—not an unconditional promise.
Loan purposeGenuine business or commercialExact use of funds must be evidenced.Loan amountGenerally from $100,000Subject to facility economics.Maximum LVRUp to 80%*Using accepted value and combined secured exposure.TermGenerally 3-36 months*Aligned with the realistic repayment event.SecurityFirst, second or caveat*Other acceptable structures may apply.First mortgageMay remain*Consent and priority requirements apply.InterestServiced, retained or capitalised*Sufficient facility headroom required.ExitSale, refinance or business proceedsAnother evidenced capital event may apply.
*Indicative only. Actual facility size, LVR, term, pricing, net funds, security and conditions depend on the complete transaction and selected lender.
What property equity may fund
Productive capital tied to a commercial outcome.
Working Capital
Wages, stock, suppliers, inventory, marketing or contract mobilisation.
Business Acquisition
Purchase, deposit, shareholder buyout, partner exit or post-acquisition capital.
ATO Obligations
Address business tax debt where the new facility creates a credible improvement and exit.
Property Development
Site acquisition, planning, civil works, cost overruns, completion or development exit.
Urgent Settlement
Complete a time-sensitive property, business or commercial transaction.
Debt Restructuring
Replace expensive or expiring business debt under a clearly defined repayment strategy.
Equipment & Assets
Acquire machinery, vehicles, equipment or another productive business asset.
Commercial Purchase
Complete an industrial, commercial or investment-property acquisition.
Bridging Finance
Bridge a property sale, refinance, development settlement or other capital event.
Properties considered
The asset type and location shape leverage and lender appetite.
Residential
Houses, townhouses, apartments and selected investment property.
Commercial
Retail, offices, medical, accommodation and other acceptable commercial assets.
Industrial
Warehouses, factories, units, workshops and logistics property.
Development Sites
Approved or unapproved sites and selected partly completed projects.
Completed Stock
Apartments, townhouses, houses or lots awaiting sale or refinance.
Vacant Land
Selected metropolitan, regional, residential, commercial and development land.
Rural Property
Selected lifestyle, agricultural and rural-residential property at lender-specific LVR.
Multiple Properties
Combine properties to improve leverage, facility size, interest headroom or backup exit.
Transaction patterns
How genuine property-equity facilities are framed.
Illustrative transaction profiles only. They are not approvals, offers or promises of availability.
$450,000 Second Mortgage — Melbourne, VIC
Illustrative
Security
Residential second mortgage
Property value
$2,000,000
Existing debt
$750,000
Combined LVR
63.5%
Purpose
Business working capital
Term / exit
12 months / refinance
$700,000 First Mortgage Equity Release — Brisbane, QLD
Illustrative
Security
Commercial first mortgage
Property value
$3,500,000
Existing payout
$1,450,000
Facility LVR
68.6%
Purpose
Business acquisition
Term / exit
18 months / bank refinance
$100,000 Caveat Facility — Adelaide, SA
Illustrative
Security
Selected caveatable interest
Property value
$1,600,000
Existing debt
$850,000
Combined LVR
60.6%
Purpose
Business property works
Term / exit
6 months / property sale
$850,000 Multi-Property Facility — Perth, WA
Illustrative
Security
Two residential properties
Total value
$3,000,000
Existing debt
$1,150,000
Combined LVR
71.7%
Purpose
Business acquisition
Term / exit
18 months / refinance
What lenders assess
Equity alone does not establish fundability.
The security, priority, true purpose, interest treatment and exit must work together.
Existing first mortgage requirements
A first facility may remain, but the second-ranking position can be affected by consent, all-monies clauses, arrears, further advances and enforcement rights.
First-lender consent or notice
Acknowledgement or deed of priority
Payout confirmation
Agreement over enforcement and proceeds
These requirements should be identified before unnecessary legal or valuation costs.
Property Value
Formal, short-form, desktop or other acceptable value evidence.
Property & Location
Liquidity and specialisation influence leverage.
Existing Debt
Principal, arrears, interest, break costs, caveats and statutory claims.
Security Priority
First, second and caveat positions carry different risks.
Loan Purpose
Genuine, lawful, evidenced and commercially supportable.
Interest & Cash Flow
Serviced, prepaid, retained or capitalised.
Credit Position
Issues must be disclosed, explained and improved by the facility.
Exit Strategy
Sale, refinance, business proceeds or another supportable event.
Complete facility economics
Alternative evidence, transaction costs and net funds.
Alternative Documentation
Selected lenders may consider:
Business bank statements and BAS
Management or accountant figures
Leases, contracts and purchase orders
Valuations and mortgage statements
Assets, liabilities and exit evidence
Alternative documentation does not mean no assessment.
Complete Transaction Costs
May include interest, establishment, assessment, arranging, valuation, legal, registration, searches, priority and extension costs.
A facility should not be judged solely by an advertised rate. The borrower should understand the gross facility, deductions, net funds, minimum interest, maturity and default provisions.
Net Funds
The approved limit is not the cash received. Existing payouts, retained interest, fees, legal costs and registration expenses reduce available capital.
A facility can meet LVR policy but still fail if it does not produce enough net money for the intended purpose.
How the process works
Seven steps from core facts to an active exit plan.
01
Submit the Scenario
Property, debt, amount, purpose, date, credit and exit.
02
Calculate Equity
Accepted value, combined debt, interest, fees and net funds.
03
Select Structure
First, second, caveat, bridge, line or development facility.
04
Indicative Terms
Facility, net funds, priority, LVR, term, pricing and evidence.
05
Due Diligence
The lender verifies security, borrower, purpose, debt and exit.
06
Approval & Documents
Formal terms follow the lender’s complete assessment.
07
Settlement & Exit
Once conditions are satisfied, the agreed repayment plan begins.
Evidence and suitability
Prepare the credit facts before formal costs.
For an initial assessment
Identification and entity records
Property address and rates notice
Mortgage statement and lender details
Estimated value and available appraisal
Required amount and exact use
Required date and credit explanation
Assets, liabilities and proposed exit
Depending on the transaction
Bank statements, BAS or financials
ATO statements
Contracts, purchase orders and invoices
Sale or agency documents
Development feasibility and approvals
Building contract or QS report
Evidence of refinance or repayment
When property equity finance may not be suitable
Personal or domestic purpose without a regulated pathway
Unsupported property value or insufficient usable equity
Undisclosed debt or unrealistic LVR
Insufficient net funds after all costs
Facility term shorter than the realistic exit
Unachievable refinance or unsupported sale assumptions
Unexplained arrears, defaults or title issues
New debt merely postpones an unresolved problem
Commercial benefit does not justify the cost
Borrower does not understand the property is at risk
Why Zip Funding
Usable equity, correct structure and net funds—before commitment.
Usable Equity Calculated
Existing debt, interest, fees, priority and the required net funds are included.
Multiple Structures
First, second, caveat, bridge and combined-property positions assessed.
First Mortgage May Remain
Where legally and commercially appropriate, favourable existing finance may be preserved.
True Purpose Established
Every material use of funds is understood and supported where required.
Net Funds Explained
Gross approval, deductions and available business capital are shown clearly.
Exit Planned From Day One
Sale, refinance or business repayment is built into the structure.
AS
Direct senior involvement
Speak directly with Aaron Sterenzon.
Each scenario is reviewed around value, existing debt, usable equity, priority, required amount, exact purpose, interest, credit position, term and exit.
Business or commercial finance secured against available equity in eligible residential, commercial, industrial or other property.
Is this a reverse mortgage?
No. This page concerns short-term business and commercial property-backed finance, not retirement-income or reverse-mortgage products.
What LVR may be available?
Up to 80% LVR may be available for eligible scenarios. Higher leverage is considered selectively with additional security or another strong credit enhancement.
Must the first mortgage be refinanced?
Not always. A second mortgage or selected caveat structure may allow an acceptable first mortgage to remain, subject to consent and priority requirements.
How is usable equity calculated?
The accepted value, existing secured debt, proposed facility, interest, fees, priority and required buffer are assessed together.
Can interest be capitalised?
Potentially, where sufficient facility headroom remains for the realistic term.
Are full financial statements always required?
No. Selected lenders may consider bank statements, BAS, contracts, valuations, leases and other alternative evidence, but the transaction is still assessed.
Can arrears, defaults or ATO debt be considered?
Potentially. The event must be fully disclosed and the new facility should create a credible improvement and repayment pathway.
Can an owner-occupied residence be security?
Potentially for an eligible genuine business transaction, subject to the true purpose, ownership, borrower structure and applicable legal requirements.
Can multiple properties be used?
Yes. Multiple properties may support a larger facility, improve combined LVR or strengthen the backup exit.
How quickly can finance settle?
Timing depends on valuation, existing lender, security position, documents, legal requirements and lender capacity. Urgent complete files are prioritised, but settlement is not guaranteed.
What information is needed initially?
Property address and value, existing mortgage, required amount, exact business purpose, required date, credit background and proposed exit.
Turn property equity into productive business capital
Know the usable equity and net funds before you proceed.
Provide the property, value, existing debt, required amount, exact use of funds, date, credit position and repayment strategy for direct preliminary feedback.
