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Koa Capital provides timely lending solutions to borrowers directly as well as through finance brokers nationwide with whom we maintain strong and lasting relationships. Koa aims to simplify the process of the private lending landscape and help borrowers secure the financing they need for their businesses and real estate projects.

Why Choose Koa Capital?

Year after year, brokers and borrowers trust Koa Capital to deliver fast funding with transparent fee structures and a dynamic team that works with borrowers not against them.

Fast Turnaround

Expect a response from us within hours, not days or weeks. We understand the urgency that often accompanies financial decisions.


Our approach is rooted in creative problem-solving, offering greater flexibility to meet your specific needs.

Short-Term Loans

We specialise in loans ranging from 3 to 12 months, with no early exit penalties after the minimum term.

Dynamic Team

Our team is focused, hard-working, and creative, committed to delivering exceptional service and solutions.

Niche Opportunities

Where others may hesitate, we strive to find a way. Our expertise allows us to explore niche lending opportunities.

Security Mechanisms


  • 1st Mortgage
  • 2nd Mortgage

Other Security Options

  • GSA (General Security Agreement): Secures assets other than property via PPSR of security interests in personal assets.
  • Personal Guarantees: Holds a company director personally liable if the business is unable to repay the loan.

In private lending, security options are essential to protect the lender’s investment. These may include property assets, shares, or other collateral, providing assurance to the lender that their funds are safeguarded in case of borrower default.

Loan Duration

  • 1st Mortgages: 3-12 Months
  • 2nd Mortgages: 3-12 Months

Loan Size

  • Minimum: $500,000
  • Maximum: $20,000,000

LVR (Loan to Value Ratio)

  • 1st Mortgage: <65%
  • 2nd Mortgage: <75%

Property Security Types

  • Free-standing property
  • Land (with or without DA)
  • Residual Stock

Koa Lending Matrix

A lending matrix is a structured framework that financial institutions use to evaluate borrowers’ creditworthiness and determine suitable loan terms. It involves assessing factors such as credit scores, income, and debt-to-income ratios to make informed lending decisions.

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    Contact Us

    Please give us a call or submit the contact form to send an enquiry. We look forward to hearing from you.