Your Partner in Private Lending
Malouf Capital provides short-term commercial finance secured against property assets. Working with brokers and SMEs
Smart Financial Choices, Simplified
Products
1. Business Loans
Short-term finance for business expansion, operations, or cash flow management. Loan Amount: $50,000 – $2,000,000+
Security: Secured against property or business assets
Term: 1 – 12 months
Interest Rate: From 9.95% p.a.
LVR: Up to 80%
Features: Rapid approvals, minimal paperwork, early payout options
2. Commercial Loans
Purpose-built finance for commercial property purchases, refinances, or business acquisitions. Loan Amount: $50,000 – $10,000,000+
Security: 1st or 2nd mortgage over commercial asset
Term: 1 – 12 months
Interest Rate: From 9.45% p.a.
LVR: Up to 80%
Features: Flexible drawdowns, interest-only terms, quick settlements
3. 1st Mortgages
Secure primary mortgage lending for purchases, refinances, or investments. Loan Amount: $50,000 – $30,000,000+
Security: 1st registered mortgage
Term: 1 – 12 months
Interest Rate: From 9.45% p.a.
LVR: Up to 80%
Features: Short-term interest-only options, tailored for investors
4. 2nd Mortgages
Equity-based lending that leverages existing property to unlock capital. Loan Amount: $50,000 – $2,000,000+
Security: 2nd registered mortgage
Term: 1 – 12 months
Interest Rate: From 12% p.a.
LVR: Combined up to 80%
Features: Fast turnaround, ideal for short-term or bridging purposes
5. Bridging Loans
Designed for clients purchasing new property before selling or refinancing another. Loan Amount: $50,000 – $1,000,000+
Security: 1st or 2nd mortgage
Term: 1 – 12 months
Interest Rate: From 10.5% p.a.
LVR: Up to 80%
Features: Interest-only repayments, flexible exit strategy
6. Construction & Renovation Finance
Short-term funding for property development, refurbishment, or renovation. Loan Amount: $50,000 – $10,000,000+
Security: 1st mortgage over site or project property
Term: 1 – 12 months
Interest Rate: From 10% p.a.
LVR: Up to 80% (based on as-is or end value)
Features: Progressive drawdowns, structured release stages
7. Joint Venture Funding (JV)
Collaborative investment structure for high-return development or business projects. Funding Range: Project dependent
Security: Project or asset-based
Term: 1 – 12 months
Structure: Typically 50/50 partnership (depending on project, may go higher)
Return: Profit share or agreed fixed return
Features: Strategic co-investment model for growth and scalability
8. Private Equity & Investment Finance
Equity-based funding for large-scale ventures, growth capital, and acquisition opportunities. Investment Minimum: $1,000,000+
Structure: Equity participation, convertible finance, or direct investment
Term: 1 – 12 months
Interest Rate: From 10.5% p.a.
Joint Ventures are structured on a 50/50 model and may scale higher depending on project potential.
Features: Send through detailed project information for investment consideration
– – Overview of the Funding Process
Funding Process
01 Scenario Submission
We review borrower profile, loan request and security details.
02 Funding Terms
We issue high-level terms within hours, setting out the proposed loan structure, costs and rate. If accepted, the full application begins.
03 Due Diligence
We review valuations, credit reports, contracts and all supporting documents to finalise the deal.
04 Formal Offer
A formal letter of offer is issued for client acceptance.
05 Loan Documentation
Once accepted, our appointed law firm prepares and issues loan documents, ready for signing and settlement.
06 Certification
Once documents are signed, certified and all conditions have been met, settlement is completed without delay.
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years of
experience
25+
Managing Director, Malouf Capital
Merrick Malouf
Merrick Malouf is the founder and Managing Director of Malouf Capital, a specialist private finance firm focused on short-term and strategic lending solutions.
With a background in property finance and private lending.
Merrick has built a reputation for delivering fast, flexible funding tailored to borrowers outside traditional banking channels.
At Malouf Capital, he leads with a hands-on approach, prioritizing speed, transparency, and strong relationships with brokers, developers, and investors. His deep understanding of property cycles and risk allows him to structure deals efficiently and decisively—positioning Malouf Capital as a trusted partner in complex, time-sensitive transactions.
