Commercial lending
Offices, warehouses, retail, mixed-use. Finance structured around the asset and the income it produces, not a one-size-fits-all bank template.
Capila Finance: the calculated move in private lending
Non-bank lending · Commercial lending · Private lending · Australia
The calculated move in non-bank finance — private and commercial lending structured for property investors and business owners. Power with direction, instinct with intelligence.
Why Capila
“It is not about the rate. It is about the opportunity cost, and getting you from pain to pleasure.”
About
Shan Narkhede.
Private Lending Specialist
Banks are making it harder for property investors and business owners, and a lot of them are starting to feel it. Not because they aren’t capable, but because traditional lending criteria can be too rigid for how they actually operate.
Shan works on the other side of that problem: private lending, structured properly. The right facility, with advice that actually supports the next move, not just the current deal.
- Lending structured, not just approved.
- Investor-first advice.
- Speed when it matters.
Blog
Finance, explained in plain English.
Journal
Notes from the desk.
What we do
Eight ways we move.
Lending structured around the asset, the strategy, and the exit. At every stage, one standard: calm, considered execution.
Development finance
From site acquisition to completion. Funding staged to the build programme, with lenders who understand feasibility, presales and exit.
Mezzanine funding
The layer between senior debt and your equity. Bridges the gap on larger projects so you keep momentum without giving away the upside.
Construction funding
Progress-drawn facilities that keep the trades paid and the timeline intact, with the exit planned before the first slab is poured.
Private lending
Speed and flexibility when the deal does not fit the bank's box. Short-term, asset-backed, and structured with a clear way out.
Non-bank lending
Beyond the big four. Specialist and non-bank lenders that assess the full picture: complex income, trusts, companies and strategy.
Home loans
Owner-occupier or investor, first home or fifth. The right facility for where you are, with the next purchase already in mind.
Asset finance
Vehicles, equipment and machinery under the Capila standard: calm, considered execution applied to the tools of your trade.
The formula
Strategy. Execution. Growth.
01
Strategy
We start with your position and your goal, not a product list. Where you are, where you're going, and what the lending needs to make possible.
02
Execution
The right structure, placed with the right lender, at the right speed. The goal is not just getting the deal approved. It's getting it right.
03
Growth
Advice that actually supports the next move. Every structure is built with the one after it in mind.
“Shan understood what the banks couldn't: how we actually operate. The structure was right, and it settled when it needed to.”
“It was never just about the approval. The advice set up our next two purchases before we'd finished the first.”
Contact
Make the calculated move.
Don’t just send the numbers. Send the story. The more context you share upfront, the faster the right solution takes shape. Well-presented deals get approved faster.
Tell us
- Purpose of funds
- Security available
- Timeframes
- Any challenges
- Phone
- 0468 645 477