Types of loans

Lending options, explained plainly

Different situations call for different structures. Here is a plain-English guide to the loan types we work with, and who each one tends to suit.

First Mortgage Finance

Fast and flexible funding for your business with BlackBear Capital first mortgage loans.

  • Secured by a first mortgage over most property types
  • No geographical restraints on property security
  • Purchases, expansion and business cash flow
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Second Mortgage Finance

Unlock additional equity from your property security with a BlackBear Capital business second mortgage.

  • Unlock unused equity in most property types
  • Can sit behind banks and private lenders
  • Flexible solutions structured Australia-wide
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Short Term Business Loans

Our short term loans are one of our most popular products where funding is required urgently.

  • Terms from 1 to 12 months
  • Up to 48-hour turnarounds
  • A blend of proposed securities considered
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Equipment Finance

Our equipment finance loans offer both short and long term facilities.

  • New or secondhand equipment
  • Refinance existing equipment
  • Unlock equity in your assets
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Construction Finance

BlackBear Capital will offer construction finance on small developments up to 20 million dollars.

  • Small developments up to $20 million
  • First-time and seasoned developers
  • Mezzanine finance may be available
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Debtor Finance

Unlock equity from your receivables with a tailored debtor finance solution.

  • Turn outstanding invoices into working capital
  • Disclosed or undisclosed facilities
  • Support recovering disputed debts
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ATO and Creditor Finance

Funding requirements for a tax debt is not an uncommon situation.

  • Lending against ATO tax debt
  • Moves quickly to unlock equity
  • Unencumbered assets considered as security
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BlackBear Premium

Present us any scenario. We look for solutions, not problems.

  • Restructures and DOCA funding
  • Land banking and new ventures
  • Investor and shareholder buyouts
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Not sure which fits?

Start with the problem, not the product

Tell us what you are trying to achieve and we will talk you through the options that make sense for your circumstances.

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Tell us what you need and we will come back to you with the options worth considering.