Business equity release

Property equity, put to work.

Business purpose loans against residential property, for company and trust borrowers who need working capital, stock or a business debt cleared. We assess the security and the exit, not a servicing calculator.

Standard rate: From 7.95%
Max LVR: 75%
Term: 3 to 24 months
Income: No verification

Standard Term figures. Loans from $200,000 to $15,000,000 across our three products. See the full matrix

How we read it

01
One line on the purpose is enough.
Tell us what the funds are for. If it's business, such as working capital, stock or clearing debt, we can lend on it.
02
We lend on the property, not the payslips.
No income verification. A person in credit reads the deal and assesses the security and the exit.
03
Refinance and release in one settlement.
Pay out the existing lender and release the extra cash from the same first mortgage.

Real deals from our desk

Deals like this, funded.

Just fundedSouth Penrith, NSWEquity release
Three business debts cleared, with working capital left over.
$640K
55.65% LVRStandard max 75%
7.99% · 12 months
Read the deal
The scenario
A business owner with a project under way needed to clear the ATO and two business lenders, and fund the work still to come.
The catch
Short-term business debt stacked against one property, and a project that still needed cash to finish.
How we read it
Assessed on the security and the exit. We paid the ATO and both lenders directly at settlement and released the balance as working capital.
$640K settled at 55.65% LVR. The ATO and two business lenders paid out, and working capital released for the project.
Just fundedBurton, SAEquity release
A trading produce business, released equity on a 24-month term.
$300K
23.08% LVRStandard max 75%
8.45% · 24 months
Read the deal
The scenario
A produce business released equity from its property in Burton, South Australia.
How we read it
Low gearing, a business purpose stated in one line, and a first registered mortgage. Approved on a 24-month term.
$300K settled at 23.08% LVR on a 24-month term.
Just fundedDover Heights, NSWRefinance and ATO payout
An existing lender and the ATO, both paid out on the day it settled.
$4.42M
55.25% LVRStandard max 75%
8.35% · 12 months
Read the deal
The scenario
A company borrower, with three trusts and four guarantors behind it, held a house in Dover Heights carrying an existing facility and an outstanding ATO position.
The catch
Most lenders want a tax debt resolved before they will look at a deal. This borrower needed the funding in order to resolve it.
How we read it
Valued at $8M, the security carried both debts comfortably. We paid the existing lender and the ATO directly at settlement, so neither had to be solved first.
$4.42M settled at 55.25% LVR. The existing facility and every ATO liability were cleared from one first mortgage.
ATO debtMorayfield, QLDRefinance and equity release
Bank debt, a caveat and an ATO debt. Cleared in one facility.
$727.5K
75% LVRStandard max 75%
7.85%
Read the deal
The scenario
A construction business needed to refinance its mortgage, pay out a business caveat and clear an outstanding ATO debt.
The catch
Three separate creditors sitting behind one property, one of them the ATO. Most lenders won't touch live tax debt.
How we read it
Assessed on the equity, not the debt list. One facility to refinance, pay out the caveat and clear the ATO.
$727.5K settled in 7 days. Bank refinanced, caveat paid out and the ATO debt cleared, all from one facility.
RefinanceBelfield, NSWRefinance and cash out
The incumbent lender wouldn't move the date. We settled in 9 days.
$956.6K
39.9% LVRStandard max 75%
7.75%
Read the deal
The scenario
A refinance with cash out against a $2.4M property, with the incumbent lender demanding payout on a fixed date.
The catch
A hard deadline from the outgoing financier. Miss it and the borrower was exposed.
How we read it
Moved the deal through credit and settlement inside the deadline at a conservative LVR, releasing extra cash.
Settled in 9 days. Deadline met, $956.6K facility in place and extra cash released.

Client details anonymised. Figures reflect the approved structure and are subject to Titan Capital's credit criteria. Terms and conditions apply.

Where it fits.

A good fit

A company or trust borrower releasing equity for a business purpose
Working capital, stock, a project to fund or business debt to clear
A residential house, townhouse, unit or apartment, or metro residential land with Land Plus
At least one guarantor with a credit score of 550 or above

Not for us

Second mortgages
Commercial or industrial property as security
Individuals borrowing in their own name
Consumer or personal purpose loans

Not sure where a deal sits? Check it against the matrix

Questions brokers ask

The short answers.

If yours isn't here, call 1300 304 770.

Products and rates

Is this a reverse mortgage or a seniors' equity release?

No. This is a short-term business loan to a company or trust, secured by a first mortgage. We don't lend for personal or consumer purposes.

What can the released funds be used for?

Any business purpose: working capital, stock, clearing ATO or other business debt, or funding a project. We need the purpose in a line, as on our Burton deal above.

How much equity can be released?

Up to 75% LVR on Standard Term, less any debt being paid out at settlement. Mega Loan and Land Plus go to 60%. Loans run from $200,000 to $15,000,000 across the three products.

Do you need to verify income?

No income verification is required. We assess the security and the exit, not a servicing calculator. At least one guarantor needs a credit score of 550 or above.

Can we refinance the existing loan at the same time?

Yes. On our Belfield deal we refinanced the incumbent lender against a fixed payout date and released extra cash in the same settlement, inside the lender's deadline.

What does it cost?

Standard Term rates start from 7.95%, with a line fee of 0.10% per month. The establishment fee is set per deal and your RM confirms it with the indicative terms. There is no exit fee, and brokerage is paid once, on settlement, with no clawback.

Rates and fees are indicative, current as at October 2026, and subject to Titan Capital's credit assessment. Business purpose lending only. Terms and conditions apply.

Got a scenario?

Two lines is all we need.

01The security
02Roughly how much
03What it's for

Send it the way you'd explain it on a call.

Call 1300 304 770

Property equity, put to work.

How we read these deals

Deals like this, funded.

Three business debts cleared, with working capital left over.

A trading produce business, released equity on a 24-month term.

An existing lender and the ATO, both paid out on the day it settled.

Bank debt, a caveat and an ATO debt. Cleared in one facility.

The incumbent lender wouldn't move the date. We settled in 9 days.

Where it fits.

A good fit

Not for us

The short answers.

Two lines is all we need.