Trusted by Generations, Protecting Your Legacy
We work to understand your scenario and borrowing needs, and tailor a flexible lending solution that works for you.
Welcome
RCI Capital specializes in private lending and debt advisory. Since the establishment of RCI Capital in 2020, our expert team with a collective experience of over 2 decades in commercial and residential banking, project management, and debt advisory have generated an annual transaction volume of 80-100M. Our expertise covers a range of asset classes with a focus on lending secured by Residential, Commercial and Industrial assets.
Get in touch with our team to find the best solution for you.
Private Lending Solutions
As a boutique private lender, RCI Capital can offer our clients the unique advantages of flexibility, and fast turnaround times.
Unlike banks and traditional lenders who use complicated application processes and long lists of documentation, we work off simple, straightforward requirements to get your loan funded. As developers and property investors ourselves, we understand the urgency of our customers; our loans are ready to be settled with funds to be deposited in your account within 48 hours.
Residential
1st Mortgage / Established Property
Available loan features
- Rate from 9.25%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.50% + GST
- Secured by 1st ranking mortgage on Residential, Commercial, Retail, Industrial, Vacant land
- Capital Metro & Major Regional areas
Residential
Construction / Subdivision
Available loan features
- Rate from 9.95%
- Line fee from 1.95%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-If-Complete’ Value excl GST
- Establishment fee from 1.50% + GST
- Progressive drawdown facility
- Presales ranging from Nil – 50% debt coverage
- Secured by 1st Ranking Mortgage on Residential, Commercial, Retail, Industrial
- National Metro areas
Residential
2nd Mortgage / Caveat
Available loan features
- Rate from 1.25% per month
- Loan Size $250K - $5M
- Loan Term up to 12 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.5% + GST
- Secured by 2nd Ranking Mortgage / Caveat on Residential, Commercial, Retail, Industrial
- National metro areas
Residential
1st Mortgage / Established Property
Available loan features
- Rate from 9.25%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.50% + GST
- Secured by 1st ranking mortgage on Residential, Commercial, Retail, Industrial, Vacant land
- Capital Metro & Major Regional areas
Residential
Construction / Subdivision
Available loan features
- Rate from 9.95%
- Line fee from 1.95%
- Loan Size $500K - $30M
- Loan Term up to 24 Months
- Up to 70% LVR of on ‘As-If-Complete’ Value excl GST
- Establishment fee from 1.50% + GST
- Progressive drawdown facility
- Presales ranging from Nil – 50% debt coverage
- Secured by 1st Ranking Mortgage on Residential, Commercial, Retail, Industrial
- National Metro areas
Residential
2nd Mortgage / Caveat
Available loan features
- Rate from 1.25% per month
- Loan Size $250K - $5M
- Loan Term up to 12 Months
- Up to 70% LVR of on ‘As-Is’ Value
- Establishment fee from 1.5% + GST
- Secured by 2nd Ranking Mortgage / Caveat on Residential, Commercial, Retail, Industrial
- National metro areas
We’re here to support SMEs
It’s ok if you have credit impairment or ATO debts, we could still help
We provide fast short term solutions to meet urgent deadlines
We offer both first and second registered mortgages, and caveat loans
We lend on both residential and commercial properties Australia-wide
Debt Advisory Services
Starting a new project? Growing your business? Our debt advisory team specialises in finance for development, commercial and residential assets.
We understand what makes a good deal being developers and property investors ourselves, but more importantly, with the collective banking experience of our advisors we know how to structure and secure funding for your project.
Get in touch with our specialist debt advisory team to workshop your scenario.
Group AUM
$630M+
Originate per annum
$630M+
Loans Approved
$630M+
Invest with us
RCI Capital recognises the quality of deals outside of the conventional mortgage space, since the establishment of RCI in 2020, our experienced team has built a channel to connect investors with borrowers through the vessel of real estate secured lending. It is through this channel that RCI Capital offers unique opportunities for retail and sophisticated investors alike.
Check out our Invest Page to access investor resources and get in touch with our investor relations team.
22
Years of Experience
485
Insurance policies
75
Award Winning
380
Skilled Agents
Building Success Through Strong, Lasting Relationships and Collaborative Excellence
Relationships
We understand that when people work together, we can achieve great things; long lasting and close relationships is a central pillar that enables us to do what we do best
Commercial Outcomes
Our teams collective experience in the finance industry enables us to deliver impactful, direct, and commercial outcomes in a time effective manner for our clients.
Integrity & Transparency
By leveraging our collective expertise, expansive network, and impeccable reputation, we work tirelessly to deliver results for clients while upholding the highest level of integrity and transparency.
Managing Your Risks Effectively
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Streamlined Financial Solutions for Your Mortgage, Banking, and Insurance Needs at RCI Capital
Get Quotation
Ready to take the next step in securing your business finance or investment? At RCI Capitals, we make the process simple and straightforward.
Complete the Application
At RCI Capitals, we strive to make the application process as seamless and straightforward as possible.
Get Insured & Covered
At RCI Capitals, we understand the importance of protecting your investments and business assets.
What Our Beloved Clients Say About RCI CAPITAL
TK is a dedicated and efficient finance professional. He goes above and beyond for his clients and business partners to ensure equitable solutions for all parties involved. His knowledge of the private funding space is exceptional and his ability to appropriately structure, negotiate and close transactions holds him firmly as a professional to be held in the highest regard.
TK is a dedicated and efficient finance professional. He goes above and beyond for his clients and business partners to ensure equitable solutions for all parties involved. His knowledge of the private funding space is exceptional and his ability to appropriately structure, negotiate and close transactions holds him firmly as a professional to be held in the highest regard.
TK is a dedicated and efficient finance professional. He goes above and beyond for his clients and business partners to ensure equitable solutions for all parties involved. His knowledge of the private funding space is exceptional and his ability to appropriately structure, negotiate and close transactions holds him firmly as a professional to be held in the highest regard.
TK is a dedicated and efficient finance professional. He goes above and beyond for his clients and business partners to ensure equitable solutions for all parties involved. His knowledge of the private funding space is exceptional and his ability to appropriately structure, negotiate and close transactions holds him firmly as a professional to be held in the highest regard.