Lending

Funding,
fast.

Individually tailored commercial and business loans.

Speed

Tailored funding with settlements made in days, not weeks. Our process is fast, responsive and built for business today.

Transparency

Clear, upfront terms with no hidden fees or lock-ins. No minimum periods. Early payouts with no penalties, just a straightforward approach from day one.

Flexibility

Tailored loans with interest-only or capitalised options. Terms up to 3 years. Proudly never missed a settlement, with a team known for getting things done.

Commercial

We focus on deals that make sense. Every loan is designed to support growth. If a deal doesn’t add value or isn’t the right fit, we’ll be transparent about why.

"Capspace was built by brokers, for brokers. And we're business owners so we understand what SMEs need, and how to deliver in a fast-moving environment. We're here to make life easier with streamlined processes, personalised service, and tailored solutions."

John Encina, Director and Head of Borrower Origination

Meet your lending team.

John Encina

John
Encina

Co-Founder and Director

Julio Labraga

Julio
Labraga

Co-Founder and Director

Julian Deza

Julian
Deza

Head of Credit

Nicola Grace

Nicola
Grace

Portfolio Manager

Michael Provino

Michael
Provino

Business Development Manager

Peter Hartley

Peter
Hartley

Head of Distribution

Nick Martino

Nick
Martino

Credit Manager

Yvonne Kola

Yvonne
Kola

Head of Operations

April Howlin

April
Howlin

Client Liaison

"When traditional banks showed their lack of entrepreneurial spirit, Capspace stepped in with a commercial mindset, understanding the true potential of my projects. Their speed in completing transactions is unmatched—what would take months with a bank, Capspace completes in days."

Chris Gray

"The personal relationships established made all of our dealings with Capspace feel safe and secure. They honour their word and went out of their way to both save us money and make us money. In these very sketchy times full of scams and mistrust, Capspace is a lighthouse on a stormy night."

Jo Schaeffer

"Professional team , easy process, speedy and efficient. Capspace were tremendous."

Bernie Brookes

"We highly recommend Capspace. We were very happy with the whole approach undertaken by the team as they had a pragmatic approach to the funding task at hand whilst being conscious and balanced about our desired outcome."

Matthew Phelps

Moving business forward, together.

Whether you want to workshop a deal or learn more about our lending solutions, get in touch with our team. We’re here to help you move forward with confidence.

Frequently asked questions and the right answers.

Successes

Borrower success looks like this.

Meet
Tino Carusi

Co-founder of Enliven Housing

In 2018, Tino Carusi co-founded Enliven Housing, a national specialist disability accommodation provider, after his father’s dementia diagnosis exposed him to the lack of accessible housing available for young people with disabilities.

The business quickly carved out a niche in the market and grew rapidly through disruption, persistence, and consistency. In 2023, Capspace stepped in to help optimise and scale the business, and prepare the business for the next stage of growth.

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Meet
Rebecca Yazbek

Co-founder of Nomad Group

Rebecca Yazbek and her husband are the powerhouse team behind iconic restaurants, Nomad in Sydney and Melbourne, Beau, and, award-winning, Reine & La Rue.

Rebecca’s story is as unique as it is fascinating. Discover her journey from borrower to investor, how she was introduced to Capspace, and how we were able to help when the banks couldn’t.

Watch Now

Get the latest Capspace Lending News.