Property-backed loans for business purposes.
Short-term business finance for working capital, acquisitions, expansion or refinancing when a bank loan is not practical.
Business-purpose finance only. Funding remains subject to assessment, security and formal approval.
Private business finance
When a private business loan may be useful.
A private business loan lets a business use available property equity for working capital, an acquisition, expansion, refinancing or another approved commercial expense.
Private lenders may assess a transaction differently from a major bank, but the fundamentals still matter. The amount and purpose must be clear, the security must be acceptable, and the proposed repayment or refinance path must stand up.
The finance is provided outside the traditional major-bank channel, potentially by a specialist non-bank lender, private-credit fund, mortgage fund, family office or another private capital provider.
Potential uses
Common uses for private business finance.
Suitability depends on the commercial benefit, available security, total cost and ability to repay—not the use case alone.
Working capital
Funding a defined cash-flow requirement where the business has a clear use for funds and a realistic repayment plan.
Business acquisition
Supporting an acquisition where timing, borrower structure or the transaction falls outside a conventional lender's policy.
Expansion or investment
Capital for premises, inventory, contracts or another growth initiative with identifiable commercial benefit.
Commercial refinance
Replacing or consolidating existing business debt where the new structure measurably improves the borrower's position.
Lender assessment
What the lender will want to know.
Some providers use more flexible assessment methods than banks. That does not mean no assessment. Strong enquiries explain the transaction clearly and address the risks upfront.
Exactly how the funds will be used and how the facility helps the business.
Property type, value, location, ownership and existing secured debt.
Cash flow, liabilities, recent performance and any issue requiring explanation.
The expected source and timing of repayment, refinance or asset sale.
Check the numbers
Work from the cash you will actually receive.
The gross loan amount is not the cash the business receives. Retained interest, establishment costs, legal expenses and existing debt payouts can materially reduce net proceeds. The comparison should test the facility against the business outcome it is meant to create.
Terms to examine before commitment
- Net funds available
Confirm the usable amount after every deduction and payout.
- Total expected repayment
Model interest, fees and the cost of a delayed exit.
- Security and guarantees
Understand which assets and parties support the obligation.
- Exit feasibility
Test whether the business can achieve the proposed repayment event in time.
Prepare the scenario
What to have ready.
The exact documents vary by provider. A concise, complete initial brief helps determine whether a full application is warranted.
- Borrower and entity structure
- Funding amount, purpose and required date
- Property security and current debt position
- Recent business financial information and bank statements
- Contracts, invoices or acquisition documents relevant to the purpose
- Proposed repayment or refinance strategy
- Full disclosure of credit, tax or legal issues affecting the transaction
Common questions
Private business loan FAQs.
Are private business loans always short term?
Not always, but many property-secured private facilities are designed for a defined short-term requirement. The term should match the expected exit with enough contingency for delays.
Can the loan be used for any business purpose?
Uses depend on the provider's policy and the legal nature of the transaction. The purpose must be disclosed accurately and should create a genuine commercial benefit.
Are financial statements required?
Requirements vary. Some lenders rely more heavily on security and exit, but they may still request financial statements, bank statements, tax information and evidence supporting the transaction.
Can existing business debt be refinanced?
Potentially. The new facility should be assessed on total cost and whether it improves the overall position rather than simply extending unresolved debt.
Tell us what the money is for.
Include the amount, timing, property available and how you expect to repay the loan.