Capital Raising
OPEN
Capspace Private Debt Fund
Purpose-led, future focused
INDUSTRY
Fund Management
RAISING
Open Ended
MINIMUM INVESTMENT
A$50,000
Investment Highlights
Company Overview
Transaction Overview
Additional Information
Team
Transaction Summary
Capspace Private Debt Fund
Open Ended
A$180M Raised so far
A$50,000 minimum
Investment Highlights
Over A$180M in capital raised to date.
Stable and competitive returns paid monthly or compounded - BBSW + 5% (8.75% as at July 2025).
Proven track record - Target return of 8-10% p.a. achieved with zero capital loan losses since inception.
Strong capital security – Weighted average 59% Loan to Value Ratio (LVR) over the past 12 months, with predominately 1st mortgages as security.
Robust security structure including – Registered mortgage over Australian real property, typically supplemented by GSA’s over business assets and personal/directors guarantees.
Transparency – Asset quality review completed at least twice annually by 3rd party experts Performance Property Advisory.
Awards and recognition: 2025 Best Fund Manager – Private Credit Finalist, 2025 5-star Mortgage Innovator, 2025 Innovator of the Year Finalist, 2024 Finalist for Non-Bank of the Year and Innovator of the Year.
Company Overview
Private Debt Fund
Capspace provides tailored commercial and business loans secured by Australian real property, as well as one or more of a GSA over business assets, and/or directors’ personal guarantees.
Investor benefits
Diversified fund with high yields, producing monthly returns or compounded distributions, offering a 60-day liquidity period, and the security of Australian real property.
Commercial and business loans
Ranging from A$500,000 to A$10,000,000 with terms up to 3 years, and clear exit strategies.
Market leading borrower origination
Quality deal flow referred by accountants, financial advisers and experienced commercial finance brokers.
What is Capspace?
Capspace is a private debt fund, founded by four industry leaders in finance and broking. Capspace was created to meet a growing demand for lending solutions that traditional banks have been unable or unwilling to fulfill. Our borrower-centric approach is built to match the pace and needs of businesses today, while offering wholesale investors access to a diversified fund managed by an experienced team and designed for long-term performance.
With transparency and capital security as core objectives, Capspace is designed to be a high-performing, low-volatility fund that delivers consistent returns and long-term value, supporting investors in achieving their wealth goals.
Powered by investor capital, Capspace provides tailored commercial and business loans to Australian small, medium and emerging businesses, secured by real property and business assets. Capspace's lending solutions are fast and flexible with a focus on growth, acquisitions and refinancing supported by clear exit strategies and upfront terms.
Secure Lending to SME Borrowers
Capspace delivers returns to investors by providing loans to high-quality SME borrowers for whom the banks would love to help but can’t. Capspace supports them by offering fair and transparent loan terms which are secured by real property and business assets.
Their ethical and progressive approach is revolutionising the non-bank lending category and has seen the fund experience significant growth since its inception.
Why investors choose Capspace
A diversified pooled fund of assets, actively managed for performance.
High-yield investments, choice of monthly or compounded distributions, and a 6-day liquidity.
Disciplined, experienced management with a proven track record - consistently achieved target returns of 8-10% p.a. with no capital losses since inception.
Robust security framework support - mortgages over Australian real property, security over business assets supported by a General Security Agreement, directors' personal guarantees, together with clearly defined exit strategies.
Transparency embedded into all processes with independent 3rd party reviews of the underlying assets held as security, and regular investor reporting.
Capspace Loan Security Structure
Capspace Target Market
Capspace: $500K – $5M
Banks unable to compete on agility, commerciality and loan terms
Low exposure to construction risk
Businesses generating cash flow, secured by real property
Robust multiple security structure
Diversified across multiple loans
Why borrowers choose Capspace
Speed – Tailored funding with settlements made in days, not weeks
Service & SME Knowledge – Direct involvement by decision makers with > 100 years of experience combined with strong business acumen
Outside Bank Strict Lending Criteria – SMEs don’t quite meet the stringent requirements
Growing Business with a Trade-Up Period – New businesses that need trading records before banks consider
Asset Rich, Cash Poor – Funding based on agreed asset sales
Transaction Overview
Terms of offer:
- Option 1: BBSW + 5.00% (currently 8.75% p.a. as at July 2025)
- Option 2: Fixed return of 8.00% p.a.
Distributions: Your choice of monthly distributions or compounded interest
Minimum recommended investment time frame: 12 months
No management fees or exit fees
Please refer to IM for terms.
Use Of Funds:
100% of any investment into Capspace Private Debt Fund is allocated to units in the Master Trust of the Fund issued at $1.00 per unit. The Trust is the lender and security holder for all SME commercial loans made by the Fund.
Team
Management
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