At a glance
| Lender type | Private, non-bank |
|---|---|
| Security | Australian property |
| Loan size | $20,000 to $5,000,000 |
| Decision | Often same day |
| Structures | Interest-only, capitalised, short-term |
How private lender business loans work
Banks are built for predictable borrowers with tidy paperwork. Private lenders are built for everything else: the urgent, the complex and the ones that don't fit a scorecard.
We've been working with private lending since 2012, so we know which structure fits which situation, and we can move the same day.
Who it suits
- Bank declines and stalled bank applications
- Unusual properties or complex structures
- Time-critical transactions
- Borrowers who need interest capitalised
How it works
- Check eligibility60 seconds online, with no credit score impact.
- Talk to a specialistWe confirm the amount, property and exit plan the same day.
- Get a written offerEvery cost set out clearly, often with just a desktop valuation.
- Sign and settleE-sign, we lodge the security, and funds land in as little as 24 hours.
What you'll need
- Photo ID for each borrower and guarantor
- Property address and who owns it
- What's owing on the property (if anything)
- The loan purpose and your exit plan
Not needed: No tax returns, financial statements, BAS or accountant letters.
A developer the banks wouldn't touch mid-project
A Sydney developer needed $1.2 million to finish a six-townhouse project after a builder collapsed. The banks wouldn't lend mid-construction. A private first mortgage over the site, with interest capitalised, funded completion, and the loan was repaid from sales.
Frequently asked questions
Is a private lender safe?
Reputable private lenders are an established part of Australian business finance. We work with lenders we've dealt with for years and set out every cost and condition in writing before you sign.
Why use a private lender instead of a bank?
Speed, flexibility and certainty. Private lenders decide in hours, don't depend on financials and can structure around a real-world exit.
Do private lenders check credit?
Some do, with your consent, but the decision rests mainly on the property and your exit plan.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.
