The Capricornian
Asset Equity Business Loan
Non-Residentially Secured Loan. Interest Rates available on application.
Business loansBank updated 17 July 2026
At a glance
- Pricing
- Rates on application
- Upfront fee
- $2,900
- Monthly fee
- $105
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee | Event | $20 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Arrears Fees - Default Notice Fee | Event | $40 | — | If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. |
| Arrears Fees - Reminder call fee | Event | $5 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Contract Variation & Consent Fee | Event | $400 | — | — |
| Mortgage Discharge Fee | Event | $300 | — | This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. |
| Loan Service Fee - Loan value between $100,001 - $250,000 | Periodic | $30 | Every 1 mo | — |
| Loan Service Fee - Loan value between $5,001 - $100,000 | Periodic | $20 | Every 1 mo | — |
| Loan Service Fee - Loan value Greater than $250,000 | Periodic | $50 | Every 1 mo | — |
| Loan Service Fee - Loan value Under $5,000 | Periodic | $5 | Every 1 mo | — |
| Establishment Fee - Loan value between $100,001 - $250,000 | Upfront | $800 | — | Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. |
| Establishment Fee - Loan value between $20,000 - $100,000 | Upfront | $600 | — | Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. |
| Establishment Fee - Loan value Greater than $250,000 | Upfront | $1,000 | — | Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. |
| Establishment Fee - Loan value Under $20,000 | Upfront | $500 | — | Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. |
§ 03 — Features
RedrawInstant paymentsPayIDDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
- · Security : Business loans would require security in the form of residential property, commercial property, or other types of security. A guarantee will also be required by company directors for corpo…
- · Credit history - all borrowers, owners, directors and guarantors must have clear credit records. All statutory payments and ATO liabilities need to be up to date and not under arrangement
§ 05 — Compare
§ 06 — Run the numbers
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Published by The Capricornian under the Consumer Data Right, last changed by them on 17 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.