Home Loans, Home Loan, Property Loans
We advance funds to clients who provide fixed property as security. Our clients typically need finance for a new business opportunity or to expand their current business, but the commercial banks won't approve the applications or their credit approval processes take too long. We make quick decisions and provide flexible loans to suit our clients' particular circumstances. The key aspects of such a loan are:
Loan period of 6 -12 months;
The property should be unbonded;
The loan to value ratio should not exceed 40%;
CapX will register a covering bond over the property;
The client should make monthly interest payments on the loan; and
CapX may only consider loans to companies, CC's, trusts and partnerships.
The most important aspect of assessing an application is the client's exit strategy. We need to know from which source the loan will be settled at the end of the term, whether this is from selling a property, a business transaction being finalised, a pension to be paid out, finalisation of an estate or maturation of an investment.
, Home Loan
, Home Loans
, Property Finance
, Property Loans