Borrow
We know that life can be unpredictable, and when it is, most lenders lack the speed and flexibility to assist. But we’re different.
The RCI Capital Difference
At RCI Capitals, we offer a different experience. We understand that every borrower is unique and provide tailored solutions to meet your specific needs efficiently and effectively.
Flexibility
Unlike banks and traditional lenders who use complicated application processes and long lists of documentation, we work off simple, straightforward requirements to get your loan funded.
Fast Turnaround
As developers and property investors ourselves, we understand the urgency of our customers; our loans are ready to be settled with funds to hit your account within 48 hours.
Credit Impairment
We view deals with an open mind, everyone has a story to tell and we are here to listen, whether it be unexpected events, changes in circumstances, or just life getting in the way. RCI Capital can look past credit impairments.
Highly Specialised Scenarios
Unlike traditional lender who need to check boxes, we operate with a personalized approach to each and every scenario. Our appetite enables us to consider all real property security, and potentially beyond.
Our Products
Residential
1st Mortgage / Established Property
Available loan features
- Rate from 9.25%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.50% + GST
- Secured by 1st ranking mortgage on Residential, Commercial, Retail, Industrial, Vacant land
- Capital Metro & Major Regional areas
Residential
Construction / Subdivision
Available loan features
- Rate from 9.95%
- Line fee from 1.95%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-If-Complete’ Value excl GST
- Establishment fee from 1.50% + GST
- Progressive drawdown facility
- Presales ranging from Nil – 50% debt coverage
- Secured by 1st Ranking Mortgage on Residential, Commercial, Retail, Industrial
- National Metro areas
Residential
2nd Mortgage / Caveat
Available loan features
- Rate from 1.25% per month
- Loan Size $250K - $5M
- Loan Term up to 12 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.5% + GST
- Secured by 2nd Ranking Mortgage / Caveat on Residential, Commercial, Retail, Industrial
- National metro areas
Residential
1st Mortgage / Established Property
Available loan features
- Rate from 9.25%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.50% + GST
- Secured by 1st ranking mortgage on Residential, Commercial, Retail, Industrial, Vacant land
- Capital Metro & Major Regional areas
Residential
Construction / Subdivision
Available loan features
- Rate from 9.95%
- Line fee from 1.95%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-If-Complete’ Value excl GST
- Establishment fee from 1.50% + GST
- Progressive drawdown facility
- Presales ranging from Nil – 50% debt coverage
- Secured by 1st Ranking Mortgage on Residential, Commercial, Retail, Industrial
- National Metro areas
Residential
2nd Mortgage / Caveat
Available loan features
- Rate from 1.25% per month
- Loan Size $250K - $5M
- Loan Term up to 12 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.5% + GST
- Secured by 2nd Ranking Mortgage / Caveat on Residential, Commercial, Retail, Industrial
- National metro areas
Choose Your Lending Package
Residential
Commercial
Residential
2nd Mortgage / Caveat
Available loan features
- Rate from 1.25% per month
- Loan Size $250K - $5M
- Loan Term up to 12 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.5% + GST
- Secured by 2nd Ranking Mortgage / Caveat on Residential, Commercial, Retail, Industrial
- National metro areas
Residential
1st Mortgage / Established Property
Available loan features
- Rate from 9.25%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.50% + GST
- Secured by 1st ranking mortgage on Residential, Commercial, Retail, Industrial, Vacant land
- Capital Metro & Major Regional areas
Residential
Construction / Subdivision
Available loan features
- Rate from 9.95%
- Line fee from 1.95%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-If-Complete’ Value excl GST
- Establishment fee from 1.50% + GST
- Progressive drawdown facility
- Presales ranging from Nil – 50% debt coverage
- Secured by 1st Ranking Mortgage on Residential, Commercial, Retail, Industrial
- National Metro areas
Residential
Second Mortgage
Available loan features
- Rates from 24.00% p.a
- Up to 12 month loan terms
- 70% Max LVR*
- No Upfront fees
- Capitalised Interest available
- Unlimited Cash out
- All Security types considered
- Settle in 72 hours*
Residential
Bridging Facility
Available loan features
- Rates from 9.49% p.a
- Up to 12 month loan terms
- 65% Max LVR*
- No Upfront fees
- Capitalised Interest available
- Unlimited Cash out
- Specialised Securities considered
What our clients say about us
Our broker introduced us to RCI Capital and since then we have stuck with them. Will and his team worked diligently and got us funded quickly. Having worked with other lenders in the past, RCI Capital is a definite stand out for us.
As a small business owner, finding the right funding partner was essential for our growth. RCI Capital provided us with a fast, flexible loan that allowed us to purchase a new warehouse and machinery to expand our business. The process was stress free, and transparent from start to finish. Highly recommend them.
We have worked with the RCI team on several projects for our clients, RCI Capital has never failed to deliver impressive outcomes. Their experience has been instrumental in the success of our clients’ construction projects whether it be construction of small duplexes, to multi-story developments.
When our development hit a temporary cashflow shortage, Will was able to secure funding for us without requiring any presales. The loan was approved quickly, and even though there were construction delays we were able to extend the original loan term and complete our project. Highly recommend Will and his team.
Our shopfronts were looking aged and needed a refresh. After getting turned away by our local banks we were introduced to RCI Capital, they approved our loan and within a week we able to start the renovations for the units.
When we merged the two groups together, we had a complicated web of debt that covered the businesses. Our accountants introduced us to RCI, they worked with us to restructure our debt to be more cost effective, and renegotiated the loan terms to match our future operating strategy.
RCI Transaction Structure
If you want to participate in an offer, confirm with our investor relations team to secure your investment. We work on a first in first served model.
Once your participation is confirmed, you will receive deposit details and your investment agreement.
You will receive investment offers with detailed information on the proposed loan via an SPDS or SIM
Once we advance the funds to the borrower, your interest will generally be paid within 24-48 hours after settlement.
