Our Products

Our Philosophy

At IM Capital, understanding and achieving our clients’ goals are at the core of our company values. Our philosophy has always been to back our beliefs with actions.We spent a year personally testing and investing in the market to ensure zero losses or zero-interest investments. Our primary focus is on single-asset lending, with the ultimate goal of transitioning to a pooled fund structure.We remain steadfast in this commitment, recognizing the importance of aligning our interests with those of our clients in the commercial real estate debt market.

Senior Secured

Real Asset Backed

Short Duration

Australia Focus

3 – 24 Months

Duration

5M – 50M

Deal Size Focus

Monthly

Investor Distributions

A$250,000

Minimum Investment

10-20% P.A.

Investor Target Return

Transactions

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Mortgage Type

Project Status

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First Mortgage

Live Transaction

Point Piper, Sydney NSW

Refinance of First Mortgage from other private lender for the asset in Point Piper, Sydney NSW. Investor Return - 10% p.a.

Target REturn
10
%
LVR
65
%
FACILITY AMOUNT
A$
30,000,000
Term
12
Months
Updated
June 10, 2026

First Mortgage

Fully Subscribed

East Lindfield, NSW

First mortgage facility to refinance the existing facility.

Target REturn
10
%
LVR
80
%
FACILITY AMOUNT
A$
8,300,000
Term
6
Months
Updated
February 25, 2026

First Mortgage

Fully Subscribed

Bardwell Park Sydney, NSW

Refinance and equity release of a double-brick 6-bed, 4-bath home in Bardwell Park, NSW, set on 771sqm with pool, golf course views, and convenient access to the CBD.

Target REturn
10
%
LVR
82
%
FACILITY AMOUNT
A$
2,250,000
Term
7
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Burwood Sydney, NSW

Equity release of a Federation-style 6-bed, 3-bath home in Burwood, NSW, set on 1,694sqm with pool, landscaped gardens, and premium outdoor entertaining area. Conveniently located near top schools, parklands, and public transport.

Target REturn
14
%
LVR
80
%
FACILITY AMOUNT
A$
1,200,000
Term
9
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Point Piper, Sydney NSW

Second mortgage over Point Piper property to assist client with business working capital needs.

Target REturn
13
%
LVR
50
%
FACILITY AMOUNT
A$
2,000,000
Term
6
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Point Piper, Sydney NSW

Second mortgage over Point Piper property to assist client with working capital needs.

Target REturn
13
%
LVR
50
%
FACILITY AMOUNT
A$
2,000,000
Term
6
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Point Piper, Sydney NSW

Second mortgage over Point Piper property to assist client with working capital needs.

Target REturn
13
%
LVR
50
%
FACILITY AMOUNT
A$
2,000,000
Term
6
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Hunters Hill, NSW (Loan Repaid)

Second mortgage Hunters Hill property to assist client with working capital needs.

Target REturn
14
%
LVR
57
%
FACILITY AMOUNT
A$
2,200,000
Term
3
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Canberra, ACT – Mezzanine Loan

Mezzanine loan secured against two Canberra apartments and one Griffith owner-occupied property, to assist with business working capital. Investor Return – 18% p.a.

Target REturn
18
%
LVR
0
%
FACILITY AMOUNT
A$
500,000
Term
6
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Lindfield, NSW

Second mortgage property to assist with purchase settlement.

Target REturn
13
%
LVR
87
%
FACILITY AMOUNT
A$
350,000
Term
3
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Griffith, ACT

Target REturn
16
%
LVR
0
%
FACILITY AMOUNT
A$
1,320,000
Term
12
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Point Piper, Sydney NSW

Second Mortgage over Point Piper, Sydney NSW 2027 to assist with renovation and business working capital. Investor Return - 13% p.a.

Target REturn
13
%
LVR
65
%
FACILITY AMOUNT
A$
4,000,000
Term
6
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Lindfield NSW

To assist with renovations, working capital and clearance of unsecured debts.

Target REturn
14
%
LVR
71
%
FACILITY AMOUNT
A$
900,000
Term
9
Months
Updated
February 25, 2026

Second Mortgage

Live Transaction

HUNTERS HILL NSW

To assist with property settlement for commercial property in Ashfield.

Target REturn
15
%
LVR
84
%
FACILITY AMOUNT
A$
1,000,000
Term
6
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Cronulla NSW

To assist with renovations, working capital and clearance of unsecured debts.

Target REturn
15
%
LVR
72
%
FACILITY AMOUNT
A$
1,000,000
Term
9
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Hunters Hill NSW

To assist with property settlement for a residential and commercial property in Inner-West Sydney.

Target REturn
15
%
LVR
85
%
FACILITY AMOUNT
A$
1,250,000
Term
9
Months
Updated
February 25, 2026

Second Mortgage

Fully Subscribed

Drummoyne & HUNTERS HILL NSW

Short-term bridging facility to assist with a refinance and working capital.

Target REturn
10
%
LVR
80
%
FACILITY AMOUNT
A$
5,600,000
Term
9
Months
Updated
February 25, 2026

Second Mortgage

Live Transaction

OATLEY NSW 2223

Short term bridging facility to assist with a refinance.

Target REturn
17
%
LVR
87
%
FACILITY AMOUNT
A$
480,000
Term
6
Months
Updated
February 25, 2026

18 Items

INVESTMENT PHILOSOPHY

Built for downside protection

We focus on structure, collateral quality, and exit planning—before considering yield.

Asset-backed security

Every strategy is anchored by tangible collateral and enforceable security.

Disciplined underwriting

Conservative LVR, third-party valuations, and stress-tested exit scenarios.

Short-duration focus

Shorter tenors can reduce macro cycle exposure and improve liquidity planning.

Risk controls embedded in the structure

Our process is designed to identify downside early and protect capital through rigorous controls.

Investor Info

Conservative LVR thresholds and borrower equity alignment

Independent valuations and legal due diligence

Seniority and security documentation tailored to the asset

Active monitoring, reporting, and exit planning

Structured covenants where appropriate

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Learn more about im
FOR INVESTORS

Institutional-grade, asset-backed opportunities.

Private credit strategies supported by disciplined underwriting, clear security structure, and risk controls.