The Situation
A commercial property investor approached Empire Capital with an urgent requirement: they needed to complete a time-sensitive property settlement in Melbourne’s Central Business District but faced delays with their primary bank. Traditional lenders couldn’t meet the timeline, and the risk of missing out on the acquisition was high.
Speed was critical. The client required $1 million in bridging finance to cover the equity contribution, with settlement due within 48 hours.
Our Solution
Leveraging our private lending platform, Empire Capital swiftly assessed the client’s position and structured a $1 million caveat loan within hours of receiving key documentation.
✅ Loan Amount: $1,000,000
✅ Loan Type: Caveat Loan (short-term, secured)
✅ Security: Commercial property located in Melbourne CBD
✅ LVR: ~70%, based on a recognised bank valuation
✅ Turnaround Time: Funds settled and disbursed in just 2 business days
The loan was structured to minimise disruption to the client’s broader portfolio, with no requirement to refinance or alter existing facilities. Our legal and credit teams worked closely to ensure compliance, speed, and security—all within the tight timeframe.
The Result
Thanks to Empire Capital’s rapid response and flexible approach, the client was able to:
- Complete the property settlement on time and without penalty
- Avoid the administrative delays of bank processing
- Maintain strategic control over their investment
- Secure funding with minimal documentation and no refinance required
This outcome showcases our ability to deliver under pressure, providing short-term capital when and where it’s needed most.
Why It Matters
For investors and developers, timing is everything. By acting decisively, Empire Capital helped our client seize a high-value opportunity—while reinforcing our reputation as a trusted, efficient, and relationship-driven private lender.
If you’re navigating time-critical deals or facing roadblocks with traditional finance, talk to Empire Capital. We deliver smart, fast lending solutions—backed by expertise, transparency, and results.
