Working capital, on your timeline.
Business and working capital finance is short-to-medium-term credit that lets a business fund an opportunity, obligation or cash-flow gap without waiting on a full bank credit review. Envision Private arranges property-secured business loans on behalf of wholesale investors, drawing on residential, commercial or industrial security to unlock capital that would take weeks or months to obtain from a bank.
When it makes sense
- ATO debt settlement and payment plan clean-ups
- Business acquisition and MBO funding
- Stock, inventory and equipment purchases
- Bridging cash flow while a receivable, contract or refinance completes
- Deposit or performance bond funding on new contracts
- Refinancing expensive short-term or unsecured business debt
Indicative loan parameters
| Loan size | $250,000 – $10,000,000+ |
| LVR | Up to 75% of property value |
| Term | 1 – 24 months |
| Interest | Prepaid, monthly or capitalised |
| Security | 1st or 2nd mortgage over Australian property, GSA |
| Purpose | Business / investment only (non-NCCP) |
How the process works
- Deal snapshot — purpose, amount, security, exit.
- Indicative terms — typically within 24 hours.
- Credit approval — valuation, ASIC and sponsor review.
- Documentation — loan agreement, mortgage, GSA, director guarantees.
- Settlement — commonly within 5–10 business days.