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XCEDA Capital provides commercial loans to Australian businesses and projects on flexible terms, secured by registered mortgages and caveats.
Our goal is to offer borrowers access to business finance with a fast, efficient and sensible lending approach whilst still adopting stringent lending criteria. XCEDA Capital offers funding solutions for a range of business needs, from asset or stock purchases, SME cashflow support, property purchases, refinancing and more.
In general, a decision on funding can be made within 24 hours of the initial application by our borrowers. Providing all conditions of approval are met, funding can be issued within 5 days.
Our secured lending is based on 1st or 2nd mortgages and in certain circumstances we can take caveats over property as security. Terms are from 6 months to 3 years, for amounts from $50,000 to $2,000,000.
All pricing decided on case by case basis, rates below are indicative.
Business asset purchases
Cashflow and working
capital loans
Tax assistance
Revolving credit facilities
Debt consolidation
New property purchase—
residential and commercial
Short term bridging loans
Caveat lending
Refinance transactions
Non-Resident/Expat loans
• Max. Loan: $50,000
• Term: 6 – 24 months
• Security: Company GSA and Director PGs (i.e. no external security)
• Minimum trading for three years
• Loan Types: Fixed term or Revolving Credit Facility
• Max. Loan: $100,000
• Term: 6 – 24 months
• Security: Property Caveat or Machinery, Plant, Equipment or Motor Vehicles
• Loan Types: Fixed term or Revolving Credit Facility
• Max. Loan: $500,000
• Term: 6 – 48 months
• Security: Registered 1st or 2nd mortgage
• Property security
• Loan types: Fixed term
• Max. Loan: $2,000,000
• Term: 6 – 36 months
• Security: See Property LVR guide below
• Can be used as security for any Business Loan
• Max. Loan: $350,000
• Term: 6 – 36 months
• Security: See Property LVR guide below
• Can be used as security for any Business Loan
• Max. Loan: $100,000
• Term: 6 – 24 months
• Security: See Property LVR guide below
• Can be used as security for a
Business 50 Loan
| LOCATION | MAXIMUM LVR | MAXIMUM LOAN AMOUNT |
|---|---|---|
| All regions | 80% - First mortgage | $2,000,000 |
| 80% - Second mortgage | $350,000 | |
| 90% - Caveat | $100,000 |
| LOCATION | MAXIMUM LVR | MAXIMUM LOAN AMOUNT |
|---|---|---|
| All regions | 70% - First mortgage | $750,000 |
| 70% - Second mortgage | $350,000 |
| LOCATION | MAXIMUM LVR | MAXIMUM LOAN AMOUNT |
|---|---|---|
| Main Cities | 80% - First mortgage | $1,250,000 |
| 80% - Second mortgage | $350,000 | |
|
Regional Centres |
65% - First mortgage | $1,250,000 |
| 65% - Second mortgage | $350,000 |
Max terms: 3 years for P+I | 12 months for interest only or capitalised interest loans.
ACN 123 931 126 ABN 42 123 931 126 AFSL Australian Financial Services Licence Number 431183
© 2020. XCEDA Capital. All rights reserved.
ACN 123 931 126 ABN 42 123 931 126 AFSL Australian Financial Services Licence Number 431183
© 2020. XCEDA Capital. All rights reserved. Disclaimer and Legal Notices