- ABOUT US
Joii Capital, a division of Joii Limited, is a dynamic new entrant in the financial services landscape, dedicated to empowering small businesses and commercial clients with innovative lending solutions.
We offer a suite of financial products tailored to meet the diverse needs of today’s entrepreneurs and property investors, combining competitive rates, flexible terms, and a client-first approach.
With Joii Capital, you gain more than a lender – you gain a financial partner committed to helping you grow. Our team brings deep industry expertise, a streamlined approval process, and a passion for supporting Australian businesses and investors.
- WHICH LOAN IS RIGHT FOR YOU?
Product
Rate
from
Max
LVR
Term
Repayment
Ideal For
Residential Bullet Loans
8.99%
65%
6 months – 3 years
Interest-only + bullet
Investors seeking cash-flow flexibility
Commercial Bullet Loans
9.99%
65%
6 months – 3 years
Interest-only + bullet
Property developers & commercial clients
Platinum Residential Loans
6.98%
75%
3 – 30 years
Principal & Interest
High-net-worth borrowers with prime assets
Platinum Commercial Loans
8.49%
75%
Up to 30 years
Interest-only + bullet
Self-employed / non-traditional income applicants
*Please Note: All rates indicative and subject to credit assessment. Fees and eligibility criteria apply – see individual product pages or talk to your local Joii Capital lending professional for full details.
- WHICH LOAN IS RIGHT FOR YOU?
A quick side-by-side comparison of our core lending products to help you choose the perfect fit.
Residential Bullet Loans
Rate from
8.99%
Max LVR
65%
Term
6 months – 3 years
Repayment
Interest-only + bullet
Ideal For
Investors seeking cash-flow flexibility
Commercial Bullet Loans
Rate from
9.99%
Max LVR
65%
Term
6 months – 3 years
Repayment
Interest-only + bullet
Ideal For
Property developers & commercial clients
Platinum Residential Loans
Rate from
6.98%
Max LVR
75%
Term
3 – 30 years
Repayment
Principal & Interest
Ideal For
High-net-worth borrowers with prime assets
Platinum Commercial Loans
Rate from
8.49%
Max LVR
75%
Term
Up to 30 years
Repayment
Interest-only + bullet
Ideal For
Self-employed / non-traditional income applicants
*Please Note: All rates indicative and subject to credit assessment. Fees and eligibility criteria apply – see individual product pages or talk to your local Joii Capital lending professional for full details.
Contact a Joii Capital 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 get there.
Contact a Joii Capital 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 get there.