1300 00 5644
  • WHICH LOAN IS RIGHT FOR YOU?

At Joii Capital, we keep things focused. We offer two core commercial lending products each purpose-built for a specific type of borrower and project. Both include competitive rates, a dedicated client portal, and a streamlined application process backed by a team with deep industry knowledge.

If you’re a property developer or builder who needs capital aligned to a project timeline, our Flexi-Commercial Loan is built for you. If you’re self-employed or running a business and need a longer-term solution with flexible income verification, our Platinum Commercial Loan is the answer.

Flexi-Commercial Loan

Flexible short-term development finance with competitive rates and interest-only repayments

Platinum Commercial Loan

Premium lending for established commercial borrowers with competitive rates from *8.29%

  • APPLICATION PROCESS

Submit Your Enquiry

Complete our enquiry form or call us on 1300 00 5644. One of our lending professionals will be in touch within one business day to discuss your needs and confirm eligibility.

Assessment & Approval

We assess your application quickly, with minimal documentation requirements. Our streamlined process is designed to cut through red tape so you can get a decision without the wait.

Settlement & Support

Once approved, we work to your timeline — not ours. Access your loan through your dedicated client portal, with ongoing support from your Joii Capital lending professional throughout the term.

  • READY TO MOVE ON YOUR NEXT PROJECT?

You've seen how we work — now choose the product that fits. Both loans are purpose-built for commercial borrowers in the building and construction industry, with competitive rates and a fast, straightforward process. Select a loan below to explore full product details, eligibility criteria, and rates - or call us on 1300 00 5644 if you'd prefer to talk it through with a lending professional first.

  • CONTACT A JOII LENDING PROFESSIONAL

We’re more than just a lender -  we’re your growth partner. At Joii Capital, we combine deep industry insight with a commitment to service, speed, and smart lending. Whether you're expanding your portfolio or need strategic funding to take your business to the next level, we’re here to help you to achieve your financial goals.

CONTACT A JOII LENDING PROFESSIONAL