Private Lending & Business Finance
Direct capital,
on your timeline.
Troy Ounce Capital funds Australian small businesses with secured, short-to-medium term loans — decided by people, not algorithms. No bank queues, no boilerplate.
Accredited & associated with
Loan Products
Finance structured around your business, not a checklist.
1
Secured Term Loans
Short-to-medium term capital secured against business or property assets, for growth, stock, or working capital.
$100K – $3M · 3–24 months
2
Bridging Finance
Fast, short-term funding to bridge a settlement, purchase, or cash-flow gap while permanent finance is arranged.
$150K – $5M · 1–12 months
3
Invoice Financing
Release working capital tied up in unpaid invoices, so growth is never held back by slow-paying customers.
$50K – $1.5M · Revolving
4
Line of Credit
A standing, secured facility you draw against as needed — pay interest only on funds actually used.
$100K – $2M · 12–36 months
5
Equipment Finance
Fund machinery, vehicles, or equipment purchases with the asset itself as security.
$50K – $2M · 12–60 months
6
Property Development
Construction and development funding for small-to-mid scale residential or commercial projects.
$500K – $5M · 6–24 months
From enquiry to funded, in four steps.
Enquire
Tell us about your business and what you need funded.
Assess
Our credit team reviews your position — no algorithms, real people.
Offer
We issue clear terms with no hidden conditions.
Funded
Capital lands in your account, often within days.
Why Troy Ounce
We lend our own capital — so we can move at our own pace.
Balance-sheet lending
We fund from our own capital, so approvals aren’t held hostage to a warehouse facility or investor committee.
Real credit judgement
Every application is read by a person who understands your industry, not scored by a rigid algorithm.
Flexible security
Property, equipment, receivables, or a blend — we structure security around what you actually have.
Discretion as standard
Private by nature. Your funding relationship stays between us.