Frequently asked
Questions answered.
Common questions about commercial finance, our process, and how we work. Don’t see your question? Talk to us.
01
About Aurelius Capital
- We’re a commercial finance brokerage. We sit between business owners and a panel of 130+ lenders, structure the deal, and run it through to settlement. We don’t lend our own money — we know who will, and at what price.
- A bank can only offer what’s on its own shelf. We look at 130+ lenders and pick the one most likely to fund your deal on the best terms. We work for you, not the lender.
- Aurelius Capital is the full-service commercial finance brokerage — every type of business finance across the bank and non-bank market. Aurelius Private is our private lending brokerage arm, focused on short-dated, structured deals through non-bank and private lenders. Same team, two specialisations.
- Senior brokers with decades of combined experience across commercial property, asset finance, development funding and business lending. Full team and credentials on the team page.
- Gold Coast, Queensland. We work with clients Australia-wide — most of what we do is done over the phone, on email, and on signed documents.
02
Application Process
- About three minutes to lodge. The form asks for the basics — type of finance, amount, business, contact. We follow up by phone to fill in the rest.
- It depends on the deal. For most commercial loans: two years of business financials, recent BAS, ID, and the supporting documents specific to the asset or property. We’ll give you a precise list after the first call so you’re not chasing paper you don’t need.
- Within hours during business hours, often within one. Indicative quote within 24 hours of receiving the basic numbers.
- Simple commercial deals settle in 2–4 weeks. Property and development deals depend on valuations and legals — typically 4–8 weeks. Asset and equipment finance can settle in days.
- We tell you why, and we keep going. A decline at one lender often becomes an approval at another — that’s the whole point of a broker. If the deal genuinely doesn’t stack up right now, we’ll tell you that too.
03
Lenders & Products
- More than 130. Major banks, second-tier banks, non-bank lenders, specialist commercial lenders and private credit funds.
- Based on the deal — security type, loan-to-value ratio, sector, timeline, your trading history, and the price you need. We submit to the lenders most likely to fund it on the best terms, not the ones we’re paid the most by.
- No. Aurelius Capital is commercial finance only. If you need a home loan, we can refer you to a residential broker we trust.
- Yes — those deals run through Aurelius Private, our private lending brokerage arm. Short-dated, structured, non-bank and private lender deals. Same team, brokered through a separate desk.
- From around $50,000 up to $500M+. Most of our deal flow sits between $250K and $50M.
04
Fees & Commissions
- For most commercial deals, no — we’re paid by the lender on settlement. For complex or specialist work, we may quote a brokerage fee upfront. Always disclosed in writing before you commit.
- Commission from the lender on settlement, structured as either upfront, trail, or both depending on the product. Disclosed in your Credit Quote and Credit Proposal before settlement.
- Yes — in writing, in line with the National Consumer Credit Protection Act and our own credit guide. Ask anytime.
- No. The application is a conversation starter. You’re free to walk away at any point, with no fee.
- You can. We’ll make the transition clean — return original documents, transfer files if you ask, and hand off without drama. Brokerage is a trust business; we don’t hold deals hostage.
05
Compliance & Security
- Yes. Aurelius Capital Group Pty Ltd operates as a Credit Representative (CRN 560687 and 562362) of Connective Credit Services Pty Ltd, holder of Australian Credit Licence 389328. CAFBA member. AFCA member. Full detail in our credit guide.
- Encrypted in transit, access-controlled at rest, only handled by the brokers working on your deal and the lenders we submit to with your consent. See our privacy policy for the full picture.
- The Aurelius Capital team working on your deal, and any lender we submit to with your written consent. Nobody else.
- Full policy at /privacy-policy — covers what we collect, how we use it, who we share it with, how it’s stored, and how to request access or correction.
- Start with us — phone, email, or in writing. We acknowledge promptly and respond inside the timeframes set by ASIC RG 271. If you’re not satisfied, you can escalate to the Australian Financial Complaints Authority (AFCA). Full process at /compliments-and-concerns.
Still have questions?
Talk to us directly.
Phone, email, or the contact form. We respond within hours during business hours.