Short-term business refinance

When the payout date can't move.

Business purpose refinances against residential property, for company and trust borrowers whose existing lender wants out or wants paying by a fixed date. Sales, credit and settlements sit in-house, so the file keeps moving.

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 team from scenario to settlement.
Sales, credit and settlements are all in-house, so the file isn't passed between businesses on its way to the date.
02
A lender walking away doesn't stop us.
We assess the security and the exit, not the reason the last lender wants out.
03
Refinance and release together.
Pay out the existing lender, a caveat or the ATO, and release extra cash for the business, from one first mortgage.

Real deals from our desk

Deals like this, funded.

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.
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.

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 whose existing lender wants paying out
A payout date that can't move
A residential house, townhouse, unit or apartment as first mortgage security
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

Can you work to the existing lender's payout date?

Put the date in the scenario. With sales, credit and settlements in-house, we can tell you early whether it's workable. On our Belfield deal the incumbent lender demanded payout on a fixed date, and we met it.

The existing lender has walked away. Will you still look at it?

Yes. Refinancing a loan another lender has walked away from is one of the deals we're built for. We assess the security and the exit.

Can the refinance release extra cash?

Yes, for a business purpose, up to the product's max LVR. On our Belfield deal we refinanced and released extra cash in the same settlement.

Can it pay out a caveat or the ATO at the same time?

Yes, from one first mortgage, as on our Morayfield and Dover Heights deals above.

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.

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

When the payout date can't move.

How we read these deals

Deals like this, funded.

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

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.

Where it fits.

A good fit

Not for us

The short answers.

Two lines is all we need.