Msquared Capital: short-term first and second mortgages from $500k

Msquared Capital lends big, short and against city property. Run from offices at 88 Pitt Street in Sydney, it pairs borrowers with money from its own mortgage funds and has funded more than $1.5bn of loans so far, according to its website. Unlike some private credit managers, it spells out its products in plain figures, which makes a quick self-check easy.

This profile reflects Msquared’s borrower page as at October 2026. One practical note before you start: its current website is msquaredcapital.com.au. A shorter, similar-looking domain is not connected to the business.

Msquared’s five lending products at a glance

Product	Loan amount	Max LVR	Term	Purposes
Residential	$500k to $50m	75%	3 to 18 months	Acquisition, refinance, equity release, bridging
Commercial	$500k to $50m	75%	3 to 18 months	Acquisition, refinance, equity release, bridging
Industrial	$500k to $50m	70%	3 to 36 months	Acquisition, refinance, equity release, bridging
Residual stock	$500k to $50m	75%	3 to 18 months	Completed, unsold stock
Second mortgages	$500k to $2m	70%	12 months	Acquisition, refinance, equity release, bridging

Every product lists the security location as metro. Msquared also says alternative documentation and capitalised interest options are available.

Reading between the lines of the table

Industrial gets the longest leash. Industrial property is the only asset class with terms out to 36 months, which suits an owner who needs time to lease up a warehouse or complete a refinance with a bank.

Second mortgages are tightly boxed. A combined LVR of 70%, a $2m ceiling and a fixed 12-month term make this a short, specific tool. If your first mortgage is already high, there may not be room under that combined limit. Our LVR calculator shows how first and second mortgages add up.

Capitalised interest changes the cash flow picture. With capitalised interest, nothing is paid monthly; interest builds on the balance and is cleared at exit. That’s helpful when the property earns nothing during the term, but it means the payout figure grows month by month. Your exit has to cover that larger number.

Alternative documentation means Msquared may accept something other than full tax returns and financial statements, such as an accountant’s letter or bank statements. It doesn’t mean no assessment: the property, the LVR and the exit carry the weight.

A worked example: equity release for a growing business

Here’s an illustrative case. A Sydney manufacturer owns its industrial unit in western Sydney, valued at $3.2m, with $900k owing to the bank. It needs $1.1m for new machinery and stock ahead of a large contract, and the bank wants six weeks to consider it.

Item	Figure
Property value	$3.2m
Industrial LVR limit (70%)	$2.24m total lending
Existing bank debt to refinance	$900k
Room for new money (before costs)	about $1.34m

On those numbers, clearing the bank debt and freeing up $1.1m in one first-ranking loan sits within Msquared’s industrial limit. The owner then needs a plan for the exit: moving back to bank finance after the contract starts paying, for example, or selling a separate property it owns. Run a couple of term scenarios through our bridging loan calculator to see how much the exit needs to cover.

Wondering whether your property and timeline line up with lenders like this? Run it past us first. No credit enquiry is made at that point.

Who Msquared Capital suits

• Owners of metro residential, commercial or industrial property who need $500k or more quickly.
• Investors and businesses bridging the gap until a sale settles or longer-term finance lands.
• Developers with completed stock to sell down.
• Repeat borrowers: Msquared says 55% of loans to date have gone to returning clients.

It’s a poorer fit for amounts below $500k, for regional or rural security, and for anyone who needs a long-term facility rather than a short bridge. Its main retail fund also excludes vacant land, construction and development loans, so construction finance isn’t its focus.

What to ask Msquared before committing

1. If the loan runs its full term, what’s the all-in dollar figure once establishment, legal and valuation fees are counted?
2. Will interest be paid as I go, paid in advance or added to the balance, and how does each option change my payout figure?
3. What counts as acceptable documentation for my situation?
4. What happens if my exit is delayed past the term?
5. Beyond the mortgage, will you want directors to guarantee the loan or the company to sign a general security agreement?

If Msquared Capital can’t help

• Need less than $500k? A second mortgage business loan or caveat loan from a lender with a lower minimum is the natural step. Our own lenders HomeSec Business Finance and EquityTap lend from much smaller amounts.
• Regional or rural security? See business loans against rural property.
• Want a longer-term facility? A first mortgage business loan or commercial property loan may suit better.
• Similar lenders to compare: Equity-One and Aquamore also write short-term property-backed loans.
• And the bank? If it can approve you in time, take the offer seriously. Bank money is usually the cheapest when you fit.

Below the minimum, outside the metro, or short on time?

Msquared’s sweet spot is clear: $500k and up, metro property, short terms. Plenty of business owners need something smaller, or have security in a regional town, or simply need a quick answer on whether their property can do the job.

Our form takes around a minute. Sending it doesn’t put an enquiry on your credit file, because none is made. Your information stays with us instead of being farmed out across the market, and someone who handles property-backed lending daily picks up the phone to you. Accurate numbers on the form (value, debt owing, amount needed) mean we can point you straight to the right option.

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