---
title: "Asset Equity Business Loan — The Capricornian"
description: "Business Loans from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/b75abb12-5998-48fd-8358-8416d264e2a9
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-17T06:13:24.528915Z
---

# Asset Equity Business Loan — The Capricornian

> Business Loans from The Capricornian. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · THE CAPRICORNIAN**

Non-Residentially Secured Loan.
Interest Rates available on application.

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/about-us/contact-us/)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Establishment Fee - Loan value Under $20,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $500.00 |
| Establishment Fee - Loan value between $20,000 - $100,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $600.00 |
| Establishment Fee - Loan value Greater than $250,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $1,000.00 |
| Establishment Fee - Loan value between $100,001 - $250,000 — Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees. | Upfront | $800.00 |
| Mortgage Discharge Fee — This fee is payable in addition to solicitors fees, registration, searches and other third party fees that may apply. | Event | $300.00 |
| Contract Variation & Consent Fee | Event | $400.00 |
| Loan Service Fee - Loan value between $100,001 - $250,000 — Charged monthly | Ongoing | $30.00 |
| Loan Service Fee - Loan value Under $5,000 — Charged monthly | Ongoing | $5.00 |
| Loan Service Fee - Loan value between $5,001 - $100,000 — Charged monthly | Ongoing | $20.00 |
| Loan Service Fee - Loan value Greater than $250,000 — Charged monthly | Ongoing | $50.00 |
| Arrears Fees - Reminder call fee — Applies when you fail to make your contracted repayments by the repayment due date. | Event | $5.00 |
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee — Applies when you fail to make your contracted repayments by the repayment due date. | Event | $20.00 |
| Arrears Fees - Default Notice Fee — If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. | Event | $40.00 |

## Features

- **PayID** (An account of this product type can be used as the target of an NPP PayID.)
- **Real-time payments (NPP)** (An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.)
- **Digital banking** (Access is available to online banking features for the product.)
- **Redraw facility** (Redraw of repaid principal above minimum required is available.)
- **Notifications** — Notification via email, SMS or secure message in online banking. (SMS and/or email notifications available.)

## Eligibility

- **You will need to become a member of the Credit Union before The Capricornian can accept a loan application.**
- **Minimum age** — 18 years
- **Residency status** — Individuals must be citizens or permanent residents of Australia. 
- **Security : Business loans would require security in the form of residential property, commercial property, or other types of security. A guarantee will also be required by company directors for corporate borrowers.**
- **Credit history - all borrowers, owners, directors and guarantors must have clear credit records. All statutory payments and ATO liabilities need to be up to date and not under arrangement**

## More information from The Capricornian

- [Overview](https://www.capricornian.com.au/business/business-banking/)
- [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `b75abb12-5998-48fd-8358-8416d264e2a9`
- Last updated by the provider: 17 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/b75abb12-5998-48fd-8358-8416d264e2a9
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/b75abb12-5998-48fd-8358-8416d264e2a9) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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