What interest rates will I pay

The interest rate paid will vary depending on the length of the loan, kind of security, your credit history and the purpose of the loan.  Interest can be paid in several ways, usually interest only.  In some cases, interest can be paid at the beginning or the end of the loan term.

What sort of security do I need

For smaller loans, we will look at many types of security including cars, boats and shares. However, for larger loans we require property or business assets.

How long do approvals take

Approvals can usually be given in a matter of days if we receive detailed information on the loan requirement, ability to repay and kind of security. This will make the process as quick and easy as possible.

What conditions apply to loans

This website is meant to convey general information only and the products described are subject to the usual credit conditions such as appropriate security, valuations, sufficient income to service the loans, credit checks and the assumption that the information you provide to us on your application form is correct. Any errors in this website do not mean that Fortuna is liable for any losses incurred through relying on this information and it is your responsibility to check any terms & conditions that apply. It is best to contact us for a free business advisory session and then we can tailor a facility to suit your business.

How is Fortuna Capital different from the banks?

1. Banks are lending institutions that need to deliver consistently large profits to their shareholders year by year and they tend to be very conservative and risk-averse for this reason. Fortuna Capital know that risk and reward go hand in hand.

2. Banks and finance companies are staffed by employees and often have little if any experience in business. They are usually young and trained by their organizations to follow a recipe for selling their products that doesn’t allow for any circumstances “outside the box”. Our experience of business is that it is nearly always “outside the box” and if the principals are smart, they are constantly adjusting their approach to suit the changing needs of their market.

3. Banks will only accept standard securities for their loans – usually first mortgages. Because we are experienced in business, Fortuna Capital will accept a range of different security options.

4. Banks can’t respond quickly in the case of emergencies, because their approval processes are long and complicated and the client never really speaks to the decision-maker.

5. Banks can’t respond quickly to take advantage of market opportunities. Fortuna Capital understands how important speed is when looking at any market opportunity and we can respond quickly.

6. Banks tend to favour men through their lending criteria even though women are twice as likely to be successful in small business ventures in Australia. The principal of Fortuna Capital is a woman and she understands what it’s like to be a woman in business – you have to be smarter, faster, better-educated, work harder, have more resources and network better, just to have access to the same opportunities – and then there’s your kids, family responsibilities and housework, which don’t go away just because you’re in business!

How do I apply

You can contact us directly on the numbers below for an initial appraisal. You can also go into the relevant loan type page, download an application form and fax it back to us.

What happens to my confidential information?

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