Commercial Core
Resolve
Cost-efficient transitional finance for borrowers with an established track record. No risk fee — a significant cost saving compared to other private lending products on the market.
No risk fee — lowest cost product in our range
Product Features
Fees & Charges
Resolve is the foundation of the Alphacon Capital product suite. Designed for borrowers who can demonstrate income through an accountant letter or prepaid interest structure, Resolve delivers the lowest total cost of any product we offer — because it carries no risk fee.
For eligible borrowers, this represents a meaningful saving. On a $1M loan, the absence of a risk fee can save between $4,000 and $7,000 depending on the security type and LVR. Over the life of a 12-month facility, that difference compounds into real money.
Resolve supports both first and second registered mortgages, giving borrowers and brokers flexibility in structuring multi-security deals. Whether you are bridging between properties, consolidating existing debt, refinancing an expiring facility, or settling a purchase, Resolve provides a clean, predictable cost structure with no surprises.
The product covers all Australian postcodes and accepts residential, commercial, and land security types. Terms range from 6 to 60 months, and borrowers can repay early with just 14 days notice — no early discharge fees, no break costs.
Resolve is ideal for borrowers who have a clear income trail and a credit score above 600. If you meet these criteria, there is no reason to pay a risk fee elsewhere. This is the product your accountant would choose.
All Resolve loans are distributed through accredited mortgage brokers. If you are a borrower without a broker, we can connect you with one in your area. If you are a broker, Resolve is your go-to for clients with clean financials who want the most competitive private lending terms available.
Use Cases
When to use Resolve.
Standard Bridging
You have found a new property but your existing one has not sold yet. Resolve bridges the gap, giving you time to sell at the right price rather than accepting a discount under pressure. With terms up to 60 months and no early exit penalties, you control the timeline.
Purchase Settlement
You need to settle a commercial property purchase but your bank is taking too long. Resolve provides same-day indicative terms and can settle in as fast as two weeks. Once settled, refinance to your bank at your own pace.
Refinance
An existing facility is expiring or the terms no longer suit. Resolve replaces it with a clean structure, competitive pricing, and no risk fee. Ideal for borrowers moving between lenders or consolidating multiple facilities into one.
Debt Consolidation
Multiple debts across different lenders create complexity and cost. Resolve consolidates them into a single facility secured against property. One repayment, one lender, one clear exit strategy.
Frequently Asked Questions
Resolve FAQ
What is the Resolve product?
Resolve is Alphacon Capital's cost-efficient transitional finance product for established borrowers. It covers bridging, purchase, and refinance scenarios with loans up to 75% LVR and terms from 6 to 60 months. Resolve carries no risk fee, making it the most cost-effective option in our range.
Who qualifies for Resolve?
Companies or trusts with an active ABN, a credit score above 600, and accountant-verified income or prepaid interest. The loan must be for a commercial purpose — personal or consumer lending is not available.
Does Resolve have a risk fee?
No. Resolve is the only Alphacon Capital product with no risk fee, making it the most cost-effective option for eligible borrowers. This can save thousands of dollars compared to Boost, Flexi, and Reach, where risk fees range from 0.40% to 0.70% of the loan amount.
Can I get a second mortgage with Resolve?
Yes. Resolve supports both first and second registered mortgages at up to 75% LVR. For second mortgages, the LVR is calculated on a combined basis — our loan plus the existing first mortgage cannot exceed 75% of the property value.
Related Resources
Learn more about Resolve
What is Bridging Finance?
A complete guide to bridging finance in Australia — how it works, costs, and when to use it.
Second Mortgages Through Private Lenders
How second mortgages work, LVR impact, and when they make sense.
LVR Calculator
Check your loan-to-value ratio and see which products are available.
Bridging Cost Estimator
Estimate the total cost of a bridging loan across our product range.
Lending Glossary
Definitions of key lending terms including LVR, bridging finance, and risk fees.
For Brokers
Same-day decisions, competitive commissions, no clawbacks. Submit a deal today.
Ready to submit a Resolve deal?
Send us the scenario. We will match it to Resolve and come back same day with indicative terms.