Private Lending in Melbourne
Commercial loans in Melbourne.
Same-day approvals.
Melbourne is Australia's fastest-growing commercial property market. From inner-city developments to industrial corridors in the west and south-east, Alphacon Capital provides fast, flexible private lending for Melbourne borrowers. Category 1 postcodes across metro Melbourne unlock our best LVR and pricing.
Local Advantage
Why Melbourne borrowers choose Alphacon
Category 1 Metro Coverage
Melbourne inner and metro postcodes are classified as Category 1, providing access to 75% LVR and our best pricing. From the CBD through to growth corridors in the west and south-east.
Boost Eligible for $3M+
Melbourne is one of only three cities where Boost loans above $3,000,000 are available. Combined with 24-hour approval and no income verification, this makes Melbourne one of the strongest markets for fast private lending.
Construction and Renovation Hub
Melbourne's active development pipeline makes Flexi's progressive drawdown especially relevant. Draw capital at each construction milestone and pay interest only on the drawn amount.
Regional Victoria via Reach
For properties outside metro Melbourne — Geelong, Ballarat, Bendigo, the Mornington Peninsula — Reach covers every Victorian postcode with no geographic restrictions.
Products
Lending products available in Melbourne
Resolve
Available in MelbourneCommercial Core
Lowest cost. No risk fee. Up to 75% LVR.
View Resolve→Boost
Available in MelbourneFast Metro
24-hour approval. No income docs. Auto-extension.
View Boost→Flexi
Available in MelbourneProgressive Draw
Draw as you build. Pay interest only on drawn amount.
View Flexi→Reach
Available in MelbourneNationwide
Every postcode. Second mortgages. No credit minimum.
View Reach→24h
Indicative terms
$10M
Max loan size
75%
Max LVR in Melbourne
0%
Risk fee on Resolve
Melbourne Market
Private lending across Greater Melbourne
Suburbs and corridors we cover
Alphacon Capital lends against property across all of Greater Melbourne — from the CBD, Southbank, and inner suburbs through to the western growth corridors of Werribee, Melton, and Tarneit, the south-eastern corridor including Cranbourne and Pakenham, and established suburbs across the Bayside, Inner North, and Yarra Ranges. All metro Melbourne postcodes are classified as Category 1, unlocking the highest LVR caps and best pricing.
For regional Victoria, our Reach product covers every postcode without geographic restrictions. Geelong, Ballarat, Bendigo, Shepparton, and the Mornington Peninsula are all eligible. Regional deals are assessed on the same asset-first basis as metro deals, with LVR adjustments reflecting local market depth.
Typical deal types in Melbourne
Melbourne's active development pipeline generates strong demand for construction and renovation finance. Our Flexi product's progressive drawdown feature is especially relevant here — borrowers draw capital at each construction milestone and pay interest only on the drawn amount, reducing holding costs significantly during the build phase.
Other common Melbourne scenarios include bridging finance for auction purchases where 30 or 60-day settlement timelines leave no room for bank delays, business acquisition funding secured against existing commercial property, refinancing for borrowers whose bank has pulled back on commercial lending, and short-term capital for property investors managing multiple acquisitions across Melbourne's growth corridors.
Ready to submit a Melbourne deal?
Send us the scenario. Two sentences, a security address, and how much your client needs. We will come back same day with indicative terms.