Maxiron Capital: six commercial loan products from $250k, 1 to 24 months

If you have ever tried to find a private commercial lender who will look at a $250k-plus loan without asking for two years of tax returns, you will have noticed how many sites say the same thing in slightly different words. Maxiron Capital is more specific than most, listing each product by name, with its size range printed alongside.

This page sets out what the lender publishes as at October 2026, the sort of borrower the structure suits, how to test an offer, and where to go if Maxiron isn’t the right fit. Terms vary by deal and change over time, so check the live details before applying.

What loans does Maxiron Capital offer?

Maxiron Capital operates within Maxiron Group, which has a Sydney office at Darling Park. All six products carry a maximum 75% LVR and terms of one to 24 months, according to its website:

Product	Published loan size	Where it tends to fit
Flash48	$250k to $3m	Speed-driven deals, such as settlements and short deadlines
Flash72	$250k to $1m	Fast funding with a little more breathing room
Flexi 1st	$250k to $15m	First mortgage funding for purchases and refinances
Flexi 2nd	$250k to $3m	Second mortgage behind an existing lender
No Doc Commercial	$500k to $10m	Commercial lending without income documentation
Sharia Commercial	$250k to $6m	Finance structured to meet Islamic principles

The site says all property types and postcodes are considered, and shows case studies including residential, mixed residential and commercial, and development sites, all in New South Wales. Our guides to first mortgage and second mortgage business loans explain how the two structures differ, and the first versus second mortgage comparison helps decide.

How does Maxiron assess a loan?

Its site gives the usual private-lending logic: security first. It states that credit defaults are acceptable and that no proof of income is required, and that offers carry no obligation and no application fee. What replaces income evidence is the property and the purpose.

In practice, expect questions about:

• The property: type, location, value and existing debt on the title. Use our LVR calculator to see where you sit against a 75% ceiling before you ring anyone.
• The use of funds: a settlement, a development, a tax bill, working capital.
• The exit: the sale or refinance that clears the loan within the term.

A 75% cap is a ceiling, not a promise. Lenders discount value for specialised property, regional locations or thin comparable sales, so your usable equity can be well below the headline figure.

Weighing a no doc loan against a more traditional full-documentation one? Send us the outline and we’ll explain what each path would realistically look like for your numbers.

Who suits a lender like Maxiron?

• Borrowers needing larger sums quickly. The $250k entry point suits property purchases, bridging between deals and sizeable tax or creditor payments.
• Owners with imperfect credit and strong security. If defaults are the obstacle but the property is sound, a lender that looks at the asset can be a better match than a bank scorecard.
• Brokers and accountants arranging deals for clients, since the site separates referrers from borrowers.
• Borrowers with Sharia requirements who want a structured alternative.

Less suitable: anyone borrowing under $250k, people without real estate, or borrowers wanting a three-year term. Read our explanation of no doc business loans so you know what lower documentation does and doesn’t mean for cost.

What should I ask before accepting?

1. What is the total repayable in dollars over the term, including establishment, valuation, legal and any monthly fees?
2. Is interest paid monthly or capitalised? It changes how much reaches you on day one.
3. How are extensions handled? Get cost and conditions in writing.
4. Who orders the valuation, and what happens if it comes in low?
5. Is a personal guarantee required from directors? See the glossary on the personal guarantee.

If a bank will lend on your timetable, it is usually the cheapest option and worth a serious look first. A private commercial loan makes sense when speed, flexibility or credit history are what the bank can’t work with.

If Maxiron says no, where next?

• Loan below $250k. Look at Mango Credit, which starts from $50k, or Capital Bridging Finance.
• Broker-only structures. Interim Finance is distributed through brokers and writes first and second mortgages.
• Longer terms. A commercial property loan from a non-bank or bank runs longer at lower monthly cost.
• Credit trouble. See our guide to business loans with defaults.
• Large lender comparisons. Our private lender versus bank page sets out the trade-offs.

From a lender profile to a real next step

A profile can only tell you what a lender says about itself. What you actually need is the right structure for your property, your timetable and your repayment plan. That’s the job of the person who reads our form: it takes about a minute, your credit file isn’t checked when you enquire, and your details go to one team rather than a long list of lenders.

Use plain figures for the property value, what’s owed on it and the deadline. With those correct, the suggestion we phone back with is far more likely to fit on the first try.

See which structure fits my deal →