Founder’s lending track record · 1994–2017
The discipline behind Esteb Capital.
Esteb Capital was founded in 2025. Before that, the founder built a personal lending book of 30 loans across Queensland and New South Wales over 24 years. The list below is anonymised — amounts rounded, borrowers and exact addresses removed — but every loan is real.
30
Loans
$34M+
Deployed
28
Paid in full
24
Year history
Deployed by security type
Deployed by era
Showing 30 of 30 loans·$33.6M deployed
$700K
Paid in fullLogan, QLD
Residential
Paid in full at maturity.
$2.75M
Paid in fullAdvancetown, QLD
Land subdivision · syndicated
Paid in full at maturity. Syndicated across multiple contributors.
$3.0M → $120K
ActiveEagle Rise Estate, QLD
24-lot development
Principal stepped down progressively via successful lot sell-down.
$2.3M
Paid in fullBrassall, QLD
Land lots (staged release)
Stage 1 & 2 balance lots. Paid in full via lot-release proceeds.
$370K
ActiveParadise Waters, QLD
Premium residential apartment
Repeat borrower returning 10+ years after a smaller facility on the same property. Perfect performance.
$436K
Paid in fullTugun, QLD
Residential / commercial
Extended 21 months. Paid in full.
$250K
Paid in fullByron Bay, NSW
Residential apartment
Final lump-sum payoff well ahead of maturity.
$3.5M
Paid in fullBrassall, QLD
Large commercial development
Paid in full. Multiple staged capital infusions and returns over the life of the deal.
$1.5M
Paid in fullKillara region, QLD
Short-term secured
20 consecutive perfect monthly payments. Paid in full.
$1.2M
Paid in fullOrmeau, QLD
Commercial / development
Staged capital return: $1.2M → $400K → $0. Extended 16 months, paid in full.
$825K
Paid in fullBundaberg region, QLD
Real estate
Early payoff ahead of maturity with capital reduction structure.
$150K
Paid in fullStradbroke, QLD
Residential
GFC-era problem loan that recovered fully. ~96% of arrears recovered; paid in full 2014.
$3.0M
Paid in fullCaboolture, QLD
Dual-property commercial
Staged capital returns 2009–2010. Paid in full.
$200K
Paid in fullParadise Waters, QLD
Premium residential apartment
74 consecutive perfect monthly payments. Extended four years beyond original maturity.
$4.0M
Paid in fullToowoomba, QLD
Commercial property
Largest single position. Repaid in full via staged capital returns through 2009–2010.
$850K
Paid in fullToowoomba CBD, QLD
Commercial
Started at $500K, increased twice. Paid in full.
$150K
Paid in fullRydalmere, NSW
Residential
Extended one year. Paid in full.
$2.7M
Paid in fullBiggera Waters, QLD
Large residential development
Rapid execution. Paid in full with multiple staged capital returns mid-term.
$1.45M
Paid in fullSurfers Paradise, QLD
Residential / commercial
Paid in full ahead of schedule.
$65K
Paid in fullSouthport, QLD
Residential unit
Extended two years. Paid in full.
$1.33M
Paid in fullHope Island, QLD
Premium residential
11 consecutive perfect payments. Paid in full at maturity.
$430K
Paid in fullBroadbeach Waters, QLD
Residential
Capital return mid-term. Paid in full ahead of maturity.
$325K
Paid in fullRunaway Bay, QLD
Residential
Borrower voluntarily reduced principal $50K mid-term. Paid in full.
$260K
Paid in fullHope Island, QLD
Residential
Early payoff. Paid in full.
$65K
Paid in fullBenowa, QLD
Residential
Exact one-year term. Paid in full.
$1.1M
Paid in fullSouthport, QLD
Commercial / dual-use
Rate stepped down from 12% to 7% on prompt-payment incentive. Paid in full.
$375K
Paid in fullAirlie Beach, QLD
Residential
18 consecutive perfect monthly payments. Paid in full.
$100K
Paid in fullParadise Waters, QLD
Premium residential apartment
Borrower returned a decade later for a $370K facility on the same property.
$92K
Paid in fullMain Beach, QLD
Premium residential apartment
Annual interest-advance structure. Six clean annual cycles. Paid in full.
$150K
Paid in fullRepulse Bay, QLD
Coastal residential
10-year loan with annual extensions. Total interest paid approximately equalled original principal.
About this record
The loans listed above were funded through the founder’s personal lending vehicles between 1994 and 2017, prior to the registration of Esteb Capital (MCDR Group Pty Ltd) in July 2025. All borrower names, exact addresses, lot/plan references and ancillary asset identifiers have been removed. Loan amounts have been rounded. The selection represents the substantive book — loans excluded were duplicate-entity entries or where data was insufficient to summarise cleanly.
Past performance is presented to illustrate the underwriting approach and is not a guarantee of future outcomes. All Esteb Capital lending is for business and commercial purposes only.