Our Process
How we work.
One short application puts your deal in front of the lenders most likely to fund it. Here's how a deal moves through Aurelius Capital — from the first conversation to funds in the account.
The Process
Four steps, one team.
First conversation
Tell us the shape of the deal — what you need, what you've got, and the timeline you're working to. One short form or a call with a senior broker. No documents at this stage; we just need to understand the deal.
We structure the deal
We work the deal before any lender sees it: security, purpose, serviceability and exit. From there we narrow the panel to the lenders whose current credit appetite actually fits the profile — usually one to three, not the whole list.
Lender approval
We submit to the matched lender, manage the credit back-and-forth, order valuations and negotiate rate and terms. You get a clear recommendation — the realistic options on the table, not a wall of numbers that don't apply.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account. We stay on it so the deal doesn't stall on a missing form or a slow valuation.
What To Expect
Realistic timeframes.
Every deal is different, but these are the typical ranges for a clean application. The variable that moves them most is how quickly documents come back — not lender turnaround.
- Asset & equipment finance
- 1–5 business daysfrom signed documents, for clean deals
- Commercial property
- 4–8 weeksdepending on valuation turnaround
- Development & construction
- 6–12 weeksfrom first submission to unconditional approval
The Difference
Why our process works.
01 / 03
A senior broker, start to finish
You deal directly with the broker structuring your deal — no call centre, no juniors, no handoffs. The person who scopes the deal is the person who takes it to the lender.
02 / 03
Structure first, then the lender
We design the deal around your business, then take it to the lenders most likely to fund it — rather than forcing the deal into the one product your own bank happens to offer.
03 / 03
We protect your credit file
Every formal application leaves an enquiry on your file. We submit to the one to three lenders with genuine appetite, not the whole panel — so a deal isn't damaged by a scatter of declines before the right lender ever sees it.
Common Questions
Questions about the process.
It depends on the product. Asset and equipment finance can settle in 1–5 business days from signed documents; commercial property typically runs 4–8 weeks depending on valuation; development funding 6–12 weeks to unconditional approval. The most common delay is document return from the borrower, not lender turnaround.
It varies with the deal. A typical commercial application needs business and personal financials, recent BAS, business bank statements, ID, and a clear statement of purpose and security. We tell you exactly what's required up front so the application goes in complete — which is the single biggest factor in how fast it settles.
On most commercial deals the lender pays the broker a commission on settlement, so there's no direct cost to you. Where a fee does apply — typically on complex or private-lending deals — we disclose it in writing before any work begins. You always see the full cost of the finance before you commit.
Every formal credit application lodges an enquiry on your file. That's exactly why we structure the deal and read lender appetite before submitting — so the deal goes to the one to three lenders genuinely likely to approve it, rather than being blanketed across the panel and collecting unnecessary enquiries and declines.
No. We bring you a clear recommendation and the realistic alternatives, but the decision is yours. Our job is to put the right options in front of you and explain the trade-offs — rate, terms, settlement speed and structure — so you can choose with full information.
Get Started
Let's find your lender.
Apply online in five minutes or talk to us first. We take it to the right lender from 130+. No obligation, no cost.