Private lending for Australian businesses and property transactions
Private funding for business and property.
We help business owners, investors and developers find short-term, property-backed finance when a bank is not the right fit. Before you proceed, you will know who the lender is, what the loan costs and how it is meant to be repaid.
Business-purpose finance only. Every application is assessed by the lender.
Business-purpose lending
Loans secured by property
Short-term and specialist options
About private lending
When private lending is worth considering.
Private lenders sit outside the major banks. They include specialist non-bank lenders, mortgage funds, private-credit funds and family offices.
They are often used for short-term business and property transactions where the timing, asset or borrower does not fit standard bank policy.
The trade-off is cost. Private finance can be more expensive, so the loan needs a specific purpose and a realistic repayment plan.
Common situations
Where private funding is often used.
The deal still needs to make commercial sense. A private lender simply assesses it differently from a bank.
Time-sensitive acquisition or settlement
There is a genuine commercial deadline and the conventional approval process may not match it.
Short-term refinance or bridge
You need to refinance an existing facility or create time to complete a longer-term solution.
Property-backed business capital
The business has a legitimate commercial use for capital and suitable property equity.
Complex credit or transaction
The borrower, asset or structure needs a specialist assessment beyond standard policy.
A private loan should fix a defined problem. If it only postpones the same problem, it is probably the wrong loan.
Comparing offers
Look past the advertised rate.
Start with the cash you will actually receive, then compare the total repayment, security, conditions and what happens if the loan runs longer than planned.
Tell us about the dealAfter retained interest and upfront costs
Interest, fees, legal and valuation
Priority, guarantees and other security
Minimum interest, extension and default
Valuation, credit and draw conditions
Repayment path, timing and contingency
How it works
A straightforward process.
We work out whether the request is realistic before asking you to spend money on valuations or legal work.
- 01
Define
Purpose, amount, deadline, security and intended repayment.
- 02
Test
Assess likely fit and identify structural or information gaps.
- 03
Approach
Present the scenario selectively to relevant funding providers.
- 04
Compare
Review cost, proceeds, security, conditions, term and exit.
- 05
Coordinate
Progress valuation, credit, legal documents and conditions.
Indicative terms are not an approval or offer of finance. Timing depends on lender assessment, valuation, legal documentation and satisfaction of conditions.
Before taking a short-term loan
- What will repay it?
- When will that money be available?
- What could hold it up?
- What will an extension cost?
Repaying the loan
Work out the repayment before taking the money.
The loan might be cleared by a property sale, a refinance, completed works or a known receipt. Whatever the plan, allow time for delays and approvals.
If the repayment plan only works when everything goes perfectly, the loan term is too tight.
Questions
What borrowers usually ask.
The answers vary by lender and deal, but these are useful points to understand before making an application.
What is a private lender in Australia?
A private lender provides finance outside the traditional major-bank channel. The term can include specialist non-bank lenders, mortgage funds, private-credit funds, family offices and privately funded lending businesses.
Is a private lender the same as a non-bank lender?
Not always. Some non-bank lenders are large institutions with standardised products; others use private or managed capital and assess transactions individually.
How quickly can private finance settle?
There is no universal timeframe. It depends on the scenario, lender capacity, valuation, legal work, information supplied and satisfaction of conditions.
How much does private lending cost?
Pricing is transaction-specific. The all-in cost may include interest, establishment fees, valuation and legal expenses, brokerage, minimum-interest periods, extension fees and default charges.
What is an exit strategy?
It is the realistic method and timing for repaying the facility. Common exits include an asset sale, refinance, project completion and sale, or receipt of a defined payment.
Get in touch
Tell us what you need and when you need it.
Include the amount, purpose, property available and how you expect to repay the loan. We will tell you whether it is worth taking further.