Ultra-Low Leverage Private Loan on Commercial Property Approved Within Hours

Assurity Capital recently settled a $750,000 first mortgage private loan secured against a two-storey commercial building in Chippendale, Sydney NSW.

The transaction was structured at an ultra-conservative approximately 15% Loan to Value Ratio (LVR) and received formal approval within hours, with no formal valuation required.

This scenario highlights how private lending can deliver exceptionally fast funding outcomes for borrowers with strong equity positions, particularly where timing and flexibility are critical.

First Mortgage Private Loan Scenario - Low Leverage

• Loan Type: First Mortgage Private Loan

• Loan Amount: $750,000

• Location: Chippendale, Sydney NSW

• Security: Two-storey commercial building

• Leverage: Approximately 15% LVR

• Valuation: No formal valuation required

• Approval Time: Same-day formal approval

• Purpose: Flexible use of funds backed by substantial equity

Commercial Property Used as Security

The loan was secured against a commercial property located in Chippendale, an increasingly sought-after inner-city Sydney precinct known for its:

• Proximity to Sydney CBD

• Strong commercial and mixed-use demand

• Ongoing urban redevelopment

• Access to universities, transport, and retail precincts

• Diverse commercial property profile

The strength of the underlying asset and substantial available equity contributed to the low leverage position and streamlined assessment process.

Ultra-Low 15% LVR Lending Scenario

One of the key strengths of this transaction was the exceptionally low leverage level.

At approximately 15% LVR, the transaction presented a highly conservative security position, allowing for:

• Faster credit assessment

• Reduced lender risk exposure

• Flexible loan structuring

• Streamlined due diligence requirements

• Accelerated approval and settlement

Low LVR private lending scenarios are often attractive where borrowers require immediate access to capital without lengthy bank approval processes.

Same-Day Approval Without a Formal Valuation

Due to the quality of the commercial security and the conservative leverage position, Assurity Capital was able to formally approve the transaction within hours without requiring a new formal valuation.

In suitable scenarios, removing the valuation requirement can provide significant advantages, including:

• Faster settlement timeframes

• Reduced upfront costs

• Simplified documentation requirements

• Immediate access to funding opportunities

For borrowers operating in time-sensitive commercial or investment environments, speed can be just as important as pricing.

Why Borrowers Use Private Commercial Loans

Private commercial lending can provide flexible funding solutions where traditional lenders may be unable to meet timing requirements or policy limitations.

Borrowers commonly utilise private loans for:

• Business growth opportunities

• Commercial property acquisitions

• Refinance transactions

• Working capital requirements

• Investment opportunities

• Short-term liquidity solutions

• Equity release from commercial assets

Because private lenders assess transactions individually, borrowers with strong equity positions may benefit from faster and more flexible outcomes.

Flexible Lending Backed by Real Estate Security

At Assurity Capital, we assess each scenario based on the overall strength of the transaction, including:

• Security quality

• Equity position

• Exit strategy

• Borrower objectives

• Timing requirements

This flexible approach allows us to structure practical funding solutions outside the limitations of traditional bank lending.

The Outcome

Assurity Capital successfully facilitated the first mortgage private loan, providing the borrower with rapid access to capital secured against their Chippendale commercial property.

Settlement Highlights

• $750,000 first mortgage private loan settled

• Chippendale commercial property used as security

• Approximately 15% LVR

• Same-day formal approval achieved

• No formal valuation required

• Flexible funding structure provided

Why Timing Matters in Private Lending

In many commercial and investment scenarios, opportunities can be lost while waiting for traditional bank approvals, valuations, and lengthy credit processes.

Private lending can offer:

• Fast approvals

• Flexible loan structures

• Reduced documentation requirements

• Asset-backed lending solutions

• Short-term and strategic funding options

For borrowers with strong equity positions, private finance can provide a practical and efficient alternative.

About Assurity Capital

Assurity Capital is a specialist non-bank private lender providing:

• First mortgage private loans

• Second mortgage loans

• Commercial property finance

• Asset-backed lending solutions

• Refinance funding

• Short-term property-backed loans

We offer loans from $50,000 to $5,000,000+ for borrowers Australia-wide seeking fast, flexible finance secured by real estate.

Contact Assurity Capital

📞 02 9389 1077📧 scenario@assuritycapital.com.au🌐 assuritycapital.com.au

All scenarios are indicative only and subject to lender assessment, borrower circumstances, security position, and approval criteria.