For Brokers
Your clients trust you.
Trust us to protect that.
Vía Capital is a private credit fund that operates exclusively through the broker channel. We move fast, communicate clearly, and we will never put a broker in an awkward position with their client.
Speed
Indicative terms within 24 business hours
Submit a complete deal and we'll respond with an indicative position - loan amount, LVR, term, and indicative rate range - within 24 business hours on business days. Not an acknowledgement. An actual position.
Integrity
We protect your client relationship
We know that recommending a non-bank lender puts your reputation on the line. Our commitment: we communicate every development to the broker first, we don't surprise borrowers, and we behave the way we'd want a lender to behave with our own clients.
Access
Direct line to decision-makers
Vía Capital is a principal-led fund. When you call or email about a deal, you're speaking directly to the person who read the submission and made the credit call. No relationship managers. No message-relaying. No dropped balls.
Honesty
A fast no saves everyone time
If your deal falls outside our appetite, we'll tell you clearly and promptly - usually the same day. We'll explain why, and where possible we'll suggest what would need to change for it to work. We don't string deals along.
Our lending criteria.
We've published our parameters in full so you can self-qualify a deal before you spend time on a submission.
Loan Size
$1,000,000 - $20,000,000
Security
Registered first mortgage over Australian real property
Geography
NSW, VIC, QLD - other eastern seaboard states considered case by case
Borrower Type
Companies, trusts with corporate trustee, SMSFs
Developer experience (construction)
Minimum 2 completed projects required
LVR - Residential / Low Doc
Up to 75% of as-is value
LVR - Construction
Up to 65% of gross realisable value (GRV)
LVR - Land / Pre-DA
Up to 60% of as-is land value
LVR - Commercial
Up to 65% of as-is value
LVR - Residual stock
Up to 70% of as-is value of remaining stock
Loan Term
3 months - 24 months
Maximum loan term
24 months (no exceptions)
Interest
Capitalised or serviced - deal dependent
Second mortgages
First mortgage only - we do not lend behind other private lenders
Credit History
Assessed on merits - prior credit events considered in context
How the process works - from enquiry to settlement.
Submit your deal
Use our online form to submit the deal scenario. Include the loan amount, security value, deal type, and a brief description of the scenario. The more detail you provide, the faster we can respond.
Indicative terms
Within 24 business hours. We'll come back with an indicative position - or a clear explanation of why the deal falls outside our appetite. No maybes.
Full application
If indicative terms are acceptable to your client, we'll request a full application including borrower entity documents, security details, and supporting information relevant to the deal type.
Credit decision
Within 48 hours of complete application. Our credit decision is made by the principals - the same people you're dealing with. We aim to issue a formal Letter of Offer within 48 hours of receiving a complete application package.
Documentation
On acceptance of the Letter of Offer, loan documents are prepared and issued within 48 hours. We use efficient, experienced legal panel firms.
Settlement
We coordinate directly with solicitors to settle. For time-critical deals, we can prioritise the documentation and settlement process.
What brokers say.
"Working with Vía Capital was genuinely different. I knew exactly where my client's deal stood at every point in the process, and they did everything they said they would."
Sarah M.
Mortgage Broker - Sydney, NSW
"I've placed deals with a lot of non-bank lenders. What sets Vía Capital apart is that they tell you no quickly if it's not going to work - that saves me hours I'd otherwise waste."
James T.
Finance Broker - Melbourne, VIC
"My client was on a tight timeline. Vía Capital had indicative terms back to me within three hours and we were settled inside two weeks."
Chris W.
Commercial Broker - Brisbane, QLD
Frequently asked questions from brokers.
Do I need to be accredited with Vía Capital before submitting a deal?
How quickly will I receive indicative terms?
What information do I need to include in my submission?
Will you communicate directly with my client?
What if my deal is unusual or doesn't fit your standard criteria?
Do you lend to first-time developers?
Ready to submit a deal?
Fill in our deal form and we'll come back with an indicative position within 24 business hours. If it doesn't fit, we'll tell you immediately.
Submit a Deal