$2.9M No-Valuation Equity Release Unlocks Business Capital
When a borrower owns property outright, the challenge isn't always security—it's accessing equity quickly.
AltX (formerly Assetline) structured a $2.9 million private lending solution secured against an unencumbered investment property, allowing the borrower to release equity without requiring a valuation and access capital to fund business growth.
The Scenario
The borrower owned an unencumbered investment property in metropolitan NSW and required fast access to equity.
The funds were needed to provide working capital for an existing business, with the remaining balance to support the establishment of a new business venture.
Although the borrower had significant property equity, traditional lending pathways would have delayed access to funds due to valuation requirements and standard credit processes.
The borrower required a faster, property-backed funding solution.
Why Traditional Lending Wasn't the Right Fit
For borrowers with substantial property equity, the biggest obstacle isn't always borrowing capacity—it's time.
Traditional lending often requires valuations, lengthy approval processes and documentation that can delay access to capital.
Where funding is required quickly, those delays can prevent borrowers from acting on business opportunities or executing their plans when timing matters most.
The AltX Solution
AltX structured a $2.9 million private lending facility secured against the borrower's unencumbered investment property.
The facility included:
$2.9 million equity release
No valuation required under AltX's No Val product
60% LVR
18-month loan term
Fast execution
Funding designed to provide rapid access to equity while preserving flexibility
By removing the need for a traditional valuation, AltX helped the borrower access capital significantly faster.
"Property equity is only valuable if borrowers can access it when they need it. In the right circumstances, removing unnecessary delays can make all the difference."
Laura Stanley
National Director - Private Lending
Deal Snapshot
Loan Amount | $2.9 million |
Product | Private Lending |
Purpose | Equity Release |
Location | NSW |
Security | Unencumbered investment property |
LVR | 60% |
Loan Term | 18 months |
Valuation | Not required |
Exit Strategy | Refinance / Business cash flow |
Why This Structure Worked
This transaction wasn't constrained by property security—it was constrained by timing.
By leveraging AltX's No Valuation lending solution, the borrower was able to unlock existing equity without waiting for a traditional valuation process.
That meant faster access to working capital and greater certainty around executing both business objectives.
Common Scenarios We Fund
AltX regularly assists brokers with:
No valuation loans
Equity release against unencumbered property
Business working capital
Property-backed business funding
Fast access to equity
Asset-rich borrowers
Time-sensitive funding requirements
Private lending outside traditional bank processes
Frequently Asked Questions
What is a no-valuation loan?
A no-valuation loan allows eligible borrowers to access funding without obtaining a traditional property valuation, helping reduce approval time where the security meets lending criteria.
Can AltX release equity from an unencumbered property?
Yes. AltX can consider equity release against eligible unencumbered residential and investment properties, subject to assessment.
Who are no-valuation loans suitable for?
They may suit borrowers who need fast access to capital and have suitable property security, particularly where valuation delays could impact the transaction.
Can released equity be used for business purposes?
Yes. Subject to assessment, equity released through private lending may be used for a range of business and investment purposes.
How quickly can equity be released?
Timeframes depend on the transaction, but removing the valuation requirement can significantly streamline the funding process for eligible scenarios.
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