Financial services to meet your
every need. We offer a wide variety of bespoke,
tailor made financial solutions

Welcome to Ares Capital

At Ares Capital we take pride in providing a high quality, bespoke service in the world of financial products and services. Our commitment is to ensure our clients receive the highest level of personalised financial support possible.

Our Mission Statement

We strive to be the most trusted firm, placing integrity before profit.

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Our Core Values

Integrity

At Ares Capital we work for our clients and will always do everything to ensure our clients and their businesses are looked after.

Honesty

We believe in full disclosure to our clients ensuring all loans are completely understood and kept to the highest standard.

Reliability

At Ares Capital, our clients can expect prompt responses from our specialists during the loan process.

Asset Finance

Asset finance is by far one of the most important things to get right for SMEs to thrive in their day to day work. Ares Capital Specialises in transport & equipment loans from trucks, trailers, yellow goods to fit outs Ares capital offers a range of options.

With over 35 asset finance lenders carrying over 100 unique products we will always make sure we get you the best rate possible with the product tailored to your business needs. Our lenders offer multiple ways for loans to be conducted such as Chattel Mortgages, Operating Leases or rentals. Some of our Asset Finance lending partners are below.

Custom Flexible Items

Working capital can make the world of difference to a SME and we understand that when it comes to cashflow it is the biggest pain point for business.

Ares Capital offers a range of products from our lending panel from interest only loans, term loans, Business lines of credit, unsecured and more!

When it comes to repayments, we know that having the flexibility to pay weekly, fortnightly, monthly or even daily is important when managing cash flow.

That is why we have hand selected our lenders to make sure we can offer our clients the solution that best meets their needs.

We even offer sale and leaseback loans using vehicles to get you a loan term of up to 5 years at a rate that won’t break the bank.

Construction & Development

We know that construction and Development facilities are by far one of the hardest loans to get approved these days.

We have done extensive research into our lenders we have chosen to partner with to make a rather stressful time as quick and painless as possible for our clients.

We have a range of facilities available from $50K-$500M via our direct panel as well as the ability to go even higher with our partnership with Halston Capital and their affiliation with multiple private equity and family office firms.

Commercial Property

Deciding to purchase commercial property is a huge step for most businesses, whether its your first purchase or you are adding to your portfolio Ares Capital has a range of products from our lenders to tailor each property loan to our clients’ needs and goals.

We offer a range of Short term and long-term loans for all businesses looking to purchase property within Australia.

Residential Mortgages

Purchasing a property can be both exciting and stressful, At Ares Capital we have chosen to have a team that only specialises in this sector to ensure that this becomes a smooth and easy process for our clients.

Property Finance

For those loans that you need a large amount over a longer or certain time Ares Capital is pleased to offer a range of secured loan products such as Caveat lending, Term Loans and Equity loans using residential or commercial property.

These loans are perfect for things like; Large tax debt, buying out partners and acquiring new businesses.

Easy Access

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Our Product Guides

Bridge
Lending

Summary

	First Mortgage	Second Mortgage	Caveat
Loan Size	Min: $50K	Min: $50K	Min: $50K
	Max: $25M	Max: $15M	Max: $5M

Loan Terms	Min: 3 Months	Min: 3 Months	Min: 3 Months
	Max: 3 Years	Max: 2 Years	Max: 1 Years

LVR up to	Resi: 75%	Resi: 75%	Resi: 75%
	Com: 75%	Com: 70%	Com: 70%
	Land: 65%	Land: 65%	Land: 65%

Rates From	5.95% P.A.	1% P.M.	1.5% P.M.

Requirements

Current registered ABN.
Assets & Liabilities statement from all directors.
Application & Privacy form from all directors.
Proof of ownership.
Proof of balance owing (2nd & caveat only).
Exit Strategy.

Summary

Loan Amount	$5K – 75K	$75K – 150K	$150K+

Rates From	3.95%	3.95%	3.95%

Term	12-60 Months	12-60 Months	12-60 Months

Balloon Option	Up To 40%	Up To 40%	Up To 40%

Requirements

	Low Doc	Full Doc
ABN GST registered for 2 years	√	X
ABN 1 day	X	√
Property owner or 20% deposit	√	X
Clear credit file with no defaults or judgements	√	√
Application and privacy for all directors	√	√
Completed Assets & Liabilities statement from all directors	√	√
Description of asset being purchased	√	√
Asset no older that 15 years end of term	√	X
Bank statements (6 months) or Full financials including profit & loss and balance sheet	X	√
Work source letter for asset (not required but preferred)	X	√

Bridge Lending

	First Mortgage	Second Mortgage	Caveat
Loan Size	Min: $50K	Min: $50K	Min: $50K
	Max: $25M	Max: $15M	Max: $5M

Loan Terms	Min: 3 Months	Min: 3 Months	Min: 3 Months
	Max: 3 Years	Max: 2 Years	Max: 1 Years

LVR up to	Resi: 75%	Resi: 75%	Resi: 75%
	Com: 75%	Com: 70%	Com: 70%
	Land: 65%	Land: 65%	Land: 65%

Rates From	5.95% P.A.	1% P.M.	1.5% P.M.

Requirements

Current registered ABN.
Assets & Liabilities statement from all directors.
Application & Privacy form from all directors.
Proof of ownership.
Proof of balance owing (2nd & caveat only).
Exit Strategy.

Commercial Asset Finance

Load Amount	$5K – 75K	$75K – 150K	$150K+

Rates From	6.75%	5.5%	3.95%

Term	12-60 Months	12-60 Months	12-60 Months

Balloon Option	Up To 40%	Up To 40%	Up To 40%

Requirements

	Low Doc	Full Doc
ABN GST registered for 2 years	√	X
ABN 1 day	X	√
Property owner or 20% deposit	√	X
Clear credit file with no defaults or judgements	√	√
Application and privacy for all directors	√	√
Completed Assets & Liabilities statement from all directors	√	√
Description of asset being purchased	√	√
Asset no older that 15 years end of term	√	X
Bank statements (6 months) or Full financials including profit & loss and balance sheet	X	√
Work source letter for asset (not required but preferred)	X	√

Business Loans

Loan amount $10,000-1,000,000
Terms from 6 months – 10 years
Interest rates from 5.95% P.A

Our Reviews

Our Partners

Maximus Finance Group

Maximus Finance Group is a small boutique brokerage with access to all 3 pillars of finance. Our offers will allow us to provide lending for consumers. Whether it is for properties, motor vehicles or cash flow. Our focus is on lending via mainstream bank and to multiple tires of lenders.
Halston Capital

Halston Capital is an investment banking facilitator for equity, debt and hybrid funding solutions ranging from $25mm to $500mm+. Through our Family Office clients, HNWI, and institutional clients we are well positioned to facilitate the origination of a variety of capital funding solutions for our clients.

Halston Capital has been actively involved in the raising of over USD $1.6 billion in equity, debt and hybrid funding facilities for its clients since its inception in 2001.