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Our Philosophy

At Initium 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.

Background & Expertise

Before the official launch of the Initium Capital Private Credit Fund, we conducted a thorough internal review with the board. Our philosophy has always been to back our words with actions.

Initium adopts a dual-pronged approach to transaction assessment. First, our credit team conducts an evaluation, followed by a review by Initium Management’s in-house real estate experts.

As a wholly owned subsidiary of Initium Group, Initium Management has a strong reputation in real estate development. This strategic alliance, founded by the Hayson family with over 30 years of experience and led by Initium Group Managing Partner Max Hayson, provides significant advantages for Initium and its investors.

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Single Asset Investment

Our single-asset investments allow investors and their advisors to select opportunities based on their risk and return preferences. Investors can set their own risk parameters and focus on any preferred sub-asset class, geographic region, or investment term.

We arrange loans secured by the following types of real estate assets:

  • Major metropolitan areas, with a focus on key cities such as Sydney, Melbourne, and Brisbane.
  • Secured property values typically range from $5 million to $50 million, with relatively strong liquidity for both acquisitions and refinancing.
  • Non-specialized real estate assets, including residential land, completed apartments, general commercial properties, and construction loans.

More specifically, as part of the credit assessment process, Initium Capital considers key underwriting metrics, including:

  • Location and site amenities
  • Land acquisition value and terms, relative to independent professional valuations
  • Conditions precedent, ongoing covenants, and conditions subsequent
  • Security structure
  • LVR/LTC ratios
  • Borrower’s income, other net assets, and repayment history
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Portfolio Snapshot

$250,000 Minimum Investment

9% P.A. Investor Target Return

5m – 50mDeal Size Focus

3 – 24 monthsDuration

Monthly Investor Distributions

Live Opportunity – Invest in Sydney’s Most Exclusive

Project

Refinance of First Mortgage from Other Private Lender for the asset in Point Piper, Sydney NSW 2027 Investor Return - 10% p.a

Location

Point Piper, Sydney NSW - First Mortgage

Facility

AUD $30m
Commercial Loan Facility

LVR

Overall 65% LVR, inclusive of existing senior debt loan amount

Enquire Now

Point Piper, Sydney NSW - First Mortgage

Project

Second Mortgage over Point Piper, Sydney NSW 2027 to assist with Renovation and Business Working Capital Investor Return ​- 13% p.a

Location

Point Piper, Sydney NSW - Second Mortgage

Facility

AUD $4m
Commercial Loan Facility

LVR

Overall 65% LVR, inclusive of existing senior debt loan amount

Enquire Now

Point Piper, Sydney NSW - Second Mortgage

Completed Projects

Project

Second mortgage Hunters Hill Property to assist client with working capital needs

Location

Hunters Hill, NSW

Facility

AUD $2m Commercial Loan Facility

LVR

Overall 57% LVR, inclusive of existing senior debt loan

Enquire Now

Hunters Hill, NSW

Project

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

Location

Point Piper, Sydney NSW

Facility

AUD $2m Commercial Loan Facility

LVR

Overall 50% LVR, inclusive of existing senior debt loan amount

Enquire Now

Point Piper, Sydney NSW

Project

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

Location

Point Piper, Sydney NSW

Facility

AUD $2m Commercial Loan Facility

LVR

Overall 50% LVR, inclusive of existing senior debt loan amount

Enquire Now

Point Piper, Sydney NSW

Project

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

Location

Point Piper, Sydney NSW

Facility

AUD $2m Commercial Loan Facility

LVR

Overall 50% LVR, inclusive of existing senior debt loan amount

Enquire Now

Point Piper, Sydney NSW

Project

Land refinance from existing Lender and provide construction finance on cost-to-complete basis for 8 x townhouses over single level basement

Location

South Sydney, NSW

Facility

AUD 5M
Commercial Progress Drawn Facility

LVR

65%

Enquire Now

South Sydney, NSW

Project

Land Banking for Future Seniors Living Development 19 hectares land with a SEPP Seniors Housing Certificate of Site Compatibility

Location

Northern Beaches, Sydney NSW

Facility

AUD 3.96M
Commercial Investment Facility

LVR

65%

Enquire Now

Northern Beaches, Sydney NSW

Project

Construction of 4 x double-storey townhouses with attached garages

Location

Lower North Sydney, NSW

Facility

AUD 3.5M
Commercial Progress Drawn Facility

LVR

65%

Enquire Now

Lower North Sydney, NSW

Project

Refinance of an exquisite brand-new premium apartment comprising 3-bedroom & 3-bathroom with basement parking for 2 cars, delivering luxury contemporary living with bespoke detailing throughout

Location

Eastern Sydney, NSW

Facility

AUD 5.2M
Commercial Investment Facility

LVR

65%

Enquire Now

Eastern Sydney, NSW