Private Lending

Private lending when the banks say no

Short-term business funding from $50,000 to $10m, secured by property, with first mortgages, second mortgages or caveats and settlement in days.

Get a free quote Call 0401 132 581

What is private lending?

Private lending is provided by private companies and institutions, usually funded by investors and secured by a mortgage. When a bank or non-bank lender can’t help because of restrictive credit policies, private lending becomes an option, because it is based mainly on the quality of the security provided.

Private loans are designed for short-term needs: settling a purchase quickly, bridging until a sale, funding a business opportunity or clearing a pressing debt, while you arrange longer-term finance.

Private loans at a glance

Loan size

From $50,000 up to $10,000,000.

Loan to value

Up to 75% of the value of residential or commercial property, including second mortgages behind a bank.

Term

From 3 to 24 months.

Repayments

Interest only, or interest prepaid for the term.

Security

Residential, commercial, industrial property or vacant land, by first mortgage, second mortgage or caveat, plus guarantees and general security agreements.

Locations

CBD, metropolitan and regional security in all states, subject to valuation.

What private loans can be used for

Business purposes and working capital
Property investment and construction
Refinance and debt consolidation
Acquisitions and equity release
Bridging the purchase and sale of a property

Costs to be aware of

Private loans cost more than bank loans, reflecting their speed and flexibility. As well as the interest rate, expect establishment and brokerage fees, plus valuation, legal and government fees. We set out every cost upfront and plan your exit, whether that’s a sale or a refinance to a bank or non-bank lender, before you commit.

How it works

Talk to us

A free 15-minute call to understand your business, your goals and your current position.

We find the structure

We assess options across 100+ bank, non-bank and private lenders and recommend the best fit.

We manage it to settlement

We prepare the application, negotiate terms and handle the lender until funds are in place.

Common questions

Do I pay for your service?

Yes. There is an engagement fee paid when you select our services, and a success fee paid on successful completion of your loan funding. We explain all fees upfront before you proceed.

How fast can a private loan settle?

Often within days of a valuation and signed documents, which is much faster than most bank loans.

Can private lending be used for personal purposes?

No. Loans must be used for business, investment, construction or similar purposes.

What is my exit strategy?

Because private loans are short term, lenders want a clear exit, usually the sale of a property or refinance to a bank or non-bank lender. We help you plan it upfront.

Need funds fast?

Book a free 15-minute call. No obligation, no credit check.