Capital Unique

Press & Media

For journalists and producers

Capital Unique is a private, principal-led capital advisor based in Australia. John Codrington is available for considered commentary on non-bank lending, capital structure, and market cycles.

Press contact

John Codrington

Founder, Capital Unique

About Capital Unique

Capital Unique provides capital advisory and structuring services for commercial borrowers and sophisticated investors across Australia. The firm operates exclusively in the wholesale and commercial market — outside the consumer credit framework.

Engagements are principal-led: John Codrington personally oversees every transaction. The firm does not operate as a product distributor, volume broker, or committee-driven lender.

Capital Unique works across property development, construction, business, commercial, agricultural, and private capital scenarios.

Case studies

Anonymised deal scenarios for background

Real engagements, anonymised, that journalists are welcome to draw on when writing about Capital Unique and John Codrington. Each shows how the firm structures capital in situations mainstream lenders decline. Figures are rounded and clients are not identified. For detail on a specific scenario, email the press desk.

Business

$1.9M

Refinancing an expired corporate facility out of default

A corporate borrower's business facility had expired and a previous broker could not move it. Exit fees and a high default rate were mounting, and the principal was overseas on a family matter. We arranged a temporary facility to discharge the outgoing lender and negotiated favourable discharge terms. The matter has since settled, which restored order and eased the default costs. Once the remaining loan-to-value conditions are met, it refinances to a long-term principal and interest facility at a materially lower rate.

Private Capital

$1.23M

A private facility to reset a corporate group after the 2020 pandemic

A corporate group came through the 2020 pandemic with damaged credit files after circumstances outside their control, which put mainstream refinancing out of reach. We put a private facility in place to discharge the mortgages across both properties and finalise a company administration, which gave them room to restructure and repair their credit history. A short-term facility carried them through the delays, and we have since secured indicative approval for a long-term facility at a substantially better rate, subject to the final credit matters being resolved.

Construction

$900K

Completion capital for a builder whose lender would not fund the finish

A licensed building team had fully drawn their original construction facility, and their lender would not review or extend it to finish the works in progress. The project valuation showed there was still clear headroom to cover the additional funds. We secured approval for the funding needed to complete the build and bring the property to sale, so the team could move on to their next project.

Agriculture

$400K

Refinancing a defaulted rural facility around a succession plan

A farming partnership on a rural property had been placed in a poorly structured working-capital loan that quietly expired and fell into default, unnoticed for months while a steep default rate ran. Introduced through the owners' legal advisers, we discharged that facility and rebuilt the structure around their succession plan. That cleared the way to sell the property and move to the coast for retirement. We arranged the facility through one of our family-office relationships that specialises in rural property.

Property Development

$565K

Development funding for an agistment property built for the equine market

A landowner running an agistment operation in Victoria wanted to develop the site for the equine market with accommodation cabins, fencing and stabling, but the project fell outside what traditional lenders would fund. The cabin kits were already on hand. We funded the council approval fees and construction costs, and put the balance toward an investment property purchase. On completion, the improved asset positions the owner to refinance to an institutional lender.

Case studies are anonymised. Capital figures are rounded and each outcome is specific to that engagement; nothing here predicts or guarantees a particular result. Further recent work is on our Our Work page.

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