Straight-talking finance for Australians who need a real plan, not another form. Home loans, refinance, commercial, private funding, SMSF and car finance, arranged from our Parramatta office and delivered right across the country.
“We started eCapital Funding because too many good Australians were being told ‘no’ by their bank and left with nowhere to turn. Our job isn’t to push a product. It’s to sit down, understand your situation properly, and map out a plan that actually works — whether that’s with one of the big four, a specialist lender, or private capital.”
“If we can help, we’ll tell you how. If we can’t, we’ll tell you that too — and point you in the right direction. That’s the deal.”
Every lender has a rulebook. If your file doesn't fit neatly inside it, they stop. We don't. We sit down with you first, work out what you're really trying to do, and map a path across lenders, structures and capital sources before anyone fills in an application.
Whether it's your first home in Sydney, a refinance in regional Victoria, or a multi-entity development up the coast, we cover the full range of Australian lending under one roof.
Sometimes a deal just doesn't tick a bank's boxes, the timing's tight, the security's unusual, the entity's complex, or the income's hard to prove. We work with a network of Australian private lenders who assess on merit, not policy. Outcomes depend on your circumstances and lender assessment, no promises, ever.
Real Australian projects across every scale, from a single Queenslander refinance to industrial estates in Western Sydney and mixed-use in Melbourne.
Getting into your first home is less about the loan and more about the plan around it. We map out how much deposit you actually need (including LMI trade-offs), which government schemes you may qualify for (First Home Guarantee, First Home Super Saver, state stamp duty concessions), and how to structure the purchase so you're not boxed in when you want to upgrade or invest later.
A few short questions to surface which lending pathways may be relevant for discussion with an adviser. This is not a borrowing-power calculator, and does not predict eligibility or approval.
START HEREeCAPITAL FUNDING EXPLORER · find your funding pathway→Names and figures anonymised for privacy. Every outcome depends on individual circumstances and lender assessment, we don't promise, we plan.
Boutique developer required stretched senior debt for a $22M inner-city project with residual stock complexity.
Structured a senior + mezzanine capital stack across two lenders; entity and pre-sale review re-shaped credit narrative.
Facility approved subject to standard credit conditions; developer proceeded to construction.
Time-critical settlement with second mortgage security; mainstream lenders unable to proceed within timeframe.
Introduced private capital source; documented exit strategy through refinance to bank facility within 12 months.
Settlement completed on required date. Exit refinance later assessed on merit by a mainstream lender.
Business owner sought to acquire commercial premises through SMSF LRBA with unusual related-party lease.
Compliance-first review with accountant; identified specialist SMSF lender comfortable with structure.
Facility structured to superannuation and lender guidelines.
PAYG family with two investment properties hit servicing ceilings after rate rises across mainstream lenders.
Restructured facilities across two lenders using actual rental and add-backs; consolidated consumer debt on principal home.
Serviceability restored with improved monthly cash position; portfolio retained.
Investor acquiring a $6.5M office asset with a single tenant and short remaining lease term.
Prepared tenant covenant and WALE analysis; matched to a lender comfortable with lease-renewal risk at a considered LVR.
Approval secured with a facility structure aligned to the lease profile.
Owner-builder townhouse project stalled after original lender withdrew mid-build.
Re-cast the feasibility, engaged QS re-valuation and introduced a construction-friendly non-bank to complete the drawdowns.
Project completed on the revised timeline; take-out refinance planned to mainstream once stabilised.
Plain-English guides, calculators and glossaries for Australian borrowers, written by our team, not scraped from a bank brochure.
Repayments, borrowing power, refinance savings and costs, servicing stress-tests, loan comparison, NSW stamp duty and more - built for Australian borrowers.
Long-form insight for serious borrowers. Australian mobile required.
Ask a general question in plain English and Chloe will point you in the right direction. She's an AI assistant, not a credit adviser, so she won't quote you a rate. When you're ready for real advice, she'll hand you to one of the team.
Try one of these prompts:
Chloe provides general information only, not personal credit advice, and does not represent that any product is suitable for your circumstances. All lending is subject to lender assessment and eligibility.
Chat with ChloeCPA, Chartered Tax Advisor and licensed Credit Adviser with over 18 years of experience. Leads complex lending strategy and capital structuring for clients navigating policy limits.
Experienced mortgage broker with over 20 years in the industry, having written more than $1B of loans across her career. Deep expertise across residential and commercial finance.
Jonalyn is our Broker Support Manager and policy specialist. She keeps every file moving, tightly documented and lender-ready from first submission to settlement.
Hazel manages our delivery team to keep the client experience exceptional, structured and calm, particularly on time-critical and multi-lender transactions.
Sienna maintains the relationship layer between our clients and their lenders, keeping conversations open, accurate and moving forward.
Louisa partners with brokers on complex commercial and construction files, keeping documentation, valuations and credit conditions moving in parallel.
Melissa spent five years at Connective as a policy strategist, so she knows lender policies inside-out and matches clients with the right lender for their scenario.
Angel spent five years at Connective as a loan writer, sharpening her eye for policy detail and lender nuance. She now structures Australian residential and investment lending with the same precision.
Fatima leads client onboarding and post-settlement care, ensuring every borrower has clarity on their structure, obligations and next-step options.
Shaira supports our brokers with lender submissions, credit conditions and pipeline management so files move quickly and cleanly to approval.
Chloe is our always-on AI assistant. She answers general questions about our services in plain English and connects you with a human strategist when it's time for personal credit advice. Chloe is not a lending strategist and not a credit adviser.
A confidential 30-minute chat with a senior adviser. No pressure, no obligation, no boilerplate, just a proper conversation about what you're trying to do.
