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What are the lending criteria for Tertiary (Category C) assets?

Financing for Tertiary (Category C) assets is available under specific, restricted conditions and applies to Commercial Lending only.

The key policy guidelines are:

  • Availability: Only offered under the streamline assessment process.

  • Maximum Loan Amount: A maximum lend of $50,000 applies.

  • Asset Age: The financed asset must be no older than 10 years at the end of the loan term.

  • Interest Rate: The applicable rate starts at 15.75%.

  • Valuation Requirement: An internal valuation is mandatory at settlement.

Note: This product is designed for niche assets and carries higher risk, as reflected in the age limit, capped amount, and pricing structure. This excludes: hospitality equipment, gym equipment, beauty equipment, printers and aircraft.