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Frequently Asked Questions
We understand that clarity matters when it comes to your financial decisions. Explore our most frequently asked questions to learn more about how Portica operates, our investment and lending processes, and what to expect when partnering with us.
General
Who is Portica?
Portica is a private credit and commercial lending firm specialising in structured finance solutions for borrowers and investors. We focus on first and second mortgage lending, property development funding, and private credit investments across Australia.
How is Portica different from a bank?
As a non-bank lender, we offer greater flexibility, faster decision-making, and tailored funding solutions that adapt to complex or time-sensitive scenarios.
What types of clients do you work with?
We partner with commercial borrowers, property developers, brokers, and wholesale investors seeking reliable, transparent and flexible finance or investment opportunities.
Who owns Portica?
Portica operates under the guidance of B. Moses Capital Markets, leveraging its governance, expertise, and trustee services.
Is Portica regulated?
Yes. Portica follows responsible lending practices and complies with all applicable regulations, ensuring our investors and borrowers are protected.
How does Portica support the community?
Beyond lending, Portica is committed to charitable and community initiatives — sponsoring events, contributing to causes that support education, health, and social wellbeing, and investing in projects that make a tangible difference locally.
How can I contact Portica?
You can reach our team via the “Contact Us” page on our website, by phone, or by email. Our team is happy to answer any questions regarding investments, loans, or general enquiries.
Borrowers
What types of loans does Portica provide?
We offer first and second mortgage loans, bridging finance, construction and development funding, asset finance, and business-purpose loans.
How quickly can Portica settle a loan?
Settlement timeframes depend on the complexity of each transaction, but many deals can be assessed and approved within days, with settlements often occurring in as little as 1–2 weeks.
Do you work directly with borrowers or only through brokers?
We work with both borrowers and brokers. Borrowers can choose to approach us directly, or through their broker or adviser.
What security do you require for a loan?
Most loans are secured by real property, though security structures are tailored to suit each client’s needs and risk profile.
Are Portica’s loans regulated?
All loans are assessed under responsible lending and compliance frameworks, ensuring appropriate oversight and transparency in every transaction.
Investors
Who can invest with Portica?
Our investment opportunities are available to wholesale and sophisticated investors as defined under Australian law.
What investment options are available?
Investors can participate through our Fund Series - diversified, pooled funds with regular distributions - or through Syndicate Investments, which offer direct exposure to specific loans on a deal-by-deal basis.
What are the typical returns?
Returns vary depending on the structure. The B Series (first mortgage) targets around 8.5% p.a., while the C Series (second mortgage) offers 12% p.a., with potential for higher effective returns through strategic reinvestment.
How often are distributions made?
Fund investments typically distribute interest bi-annuallly (every six months), while Syndicate investors receive interest upfront at settlement.
How is my investment secured?
All investments are backed by real property security, with robust due diligence and risk management processes in place for every transaction.
Can I withdraw my investment early?
Withdrawal options depend on the product. Syndicate investments have fixed loan terms, while Fund investments offer greater flexibility after the initial investment period* (*3 years with possible 2+ year extension at discretion of finance manager).
ADDITIONAL INFORMATION
This website is operated by B. Moses Holdings PTY LTD and its affiliates on behalf of Portica Securities Pty Ltd (ACN 646 099 498). The information provided on this website is a general description of the services offered under Portica Securities and its affiliates only. It does not constitute advice, an invitation, a confirmation, an advertisement, an offer, or a solicitation to buy or sell any security or other financial products or services, credit or lending product, or to engage in any investment activity. Some products or services mentioned may only be suitable for some individuals and may only be available in some jurisdictions. All securities and financial products involve risks, and the past performance of any product described on this site is not a reliable indicator of future performance. Portica Securities Pty Ltd is a subsidiary of B. Moses Holdings Pty Ltd (ACN 649 654 482).
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