Assetline Capital: property-backed private lending, bridging and development finance

The name suggests trucks and machinery, and that’s why Assetline sits in our asset finance group. Its own website tells a different story. As at October 2026, Assetline Capital presents itself as a property-backed lender, and every product it promotes is secured against real estate. If you came here looking for equipment finance, the useful part of this page is the section on alternatives. For owners holding real estate who want a large facility fast, the rest of this profile is for you.

What follows is based on Assetline’s website as at October 2026: its products, loan sizes and how it decides, plus who it suits and what to do when it doesn’t.

Who is Assetline Capital?

Assetline Capital is a non-bank lender that says it has funded more than $4.5 billion across over 2,200 loans in 14 years. Its contact page lists offices in Bondi Junction in Sydney and Fitzroy in Melbourne, and its careers link points to AltX, the financial group it sits within.

Its pitch is speed and certainty backed by people who know property lending. It says you deal directly with the credit underwriters and decision-makers, and it is built mostly around the broker market.

What does Assetline offer?

Assetline groups its lending into four product families. The amounts and maximum loan-to-value ratios below are as published on its website.

Product	Published size	Maximum LVR	What it’s for
Private Lending: short-term capital	$500k to $40m	Up to 75%	Business needs, acquisitions, debt consolidation and urgent refinances over residential or commercial property
Private Lending: no-valuation facility	$500k to $1.8m	Up to 60%	Qualifying deals where speed matters; settlement in as little as 48 hours
Residual stock	$500k to $40m	Up to 75%	Releasing equity in completed apartments or townhouses, terms up to 36 months
Bridging finance	$150k to $10m	Up to 80% (peak debt)	Buying before selling, settlement gaps, terms up to 24 months
Equity release	$150k to $3m	65% to 70%	Releasing equity without an immediate sale
Development finance	$1m to $40m	Up to 60% of land value or 70% of end value	Land, small builds, townhouses, apartments and mixed use
Horizon Mortgages	$250k to $5m	Up to 85% (lower for lease doc and land)	Longer-term loans for self-employed borrowers, trusts and SMSFs

Horizon Mortgages include an alt doc option verified by an accountant’s letter, BAS or business bank statements, and a lease doc loan for commercial property from $250k to $3m at up to 70% LVR, assessed on rental income at a 1.4 times debt service cover ratio. Our debt service coverage ratio calculator shows how that test works on your own figures.

How does Assetline decide?

For its private lending, Assetline says the assessment is “asset & exit strategy led”. In plain terms, it looks at two things above all:

1. The property: its quality, location, saleability and value, which set how much can be lent.
2. The exit: your plan for clearing the debt when it expires, such as a sale, a refinance with a bank, or completing and selling a development.

That makes it more forgiving than a bank about irregular income or messy paperwork, but much stricter about a vague repayment plan. Arrive with a written exit, a realistic timeline and evidence behind it.

It says it gives same-day indicative terms and can fund within 48 hours of valuation, and its private loans can roll the interest into the balance, which means nothing is payable month to month while the facility runs.

What does “capitalised interest” mean for you?

When interest is capitalised, each month’s charge is rolled into what you owe rather than paid from your account. That helps cash flow while a property sells or a project finishes, but the debt grows the whole time. On a 12-month facility, the amount owing at the end can be noticeably higher than the amount you drew, and every dollar of that must be covered by your exit.

Request a schedule setting out, in dollars, exactly what you’ll owe on the final day with fees included, and test whether your sale or refinance still clears it if the property sells for 10% less than you hope. Our bridging loan calculator is a good place to model peak debt before you commit.

If you’d like someone to check whether a large property-backed facility is the right tool at all, share the scenario with us. Enquiring doesn’t put anything on your credit report.

Who is Assetline a good fit for?

• Property owners needing $500k or more quickly for a business purpose or acquisition.
• Developers and investors with residual stock, a site to buy or a build to fund.
• Self-employed borrowers and trusts wanting a longer-term loan without full financials.
• People buying before selling who need a bridge for up to two years.

It’s a poor fit if you need equipment or vehicle finance, borrow less than $150k, have no property to offer, or haven’t got a clear way to repay a short-term loan.

Questions to ask before you accept

1. Adding establishment, line and exit fees, what will the facility cost me in dollars?
2. Is interest capitalised or prepaid, and what will the balance be on the final day?
3. What happens if my exit is late? Ask about extension fees and default terms.
4. Is the valuation ordered by you, and who pays for it?
5. Is there any penalty for repaying early?

Not the right lender? Here’s where to look

• You need equipment or vehicles: start with equipment finance and asset lenders such as Group & General Finance or Vestone Capital.
• You need under $500k against property: our own lender HomeSec Business Finance funds property-secured business loans from $20k, including caveat loans and second mortgages.
• Smaller commercial loans: XCEDA Capital publishes business loans from $50k.
• Larger developments: compare Pallas Capital and Wingate.
• The bank said no: our guide to being declined by the bank explains what to try next.

Got property but not sure which lender fits?

The gap between “too small for a big private lender” and “too complicated for a bank” is where many good businesses get stuck. We spend our days in that gap, matching property-backed deals to lenders that actually want them.

Sending us your scenario is roughly a one-minute job, and your credit file isn’t looked at simply because you asked. Nothing gets circulated to a string of lenders: one team receives it, and an experienced person works through the numbers before ringing you. Be straight with us about the security, the sum needed and your repayment plan, so our first recommendation is the one that sticks.

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