Why speed matters here
Banks can move quickly to exit a borrower after a covenant breach, a bad year or a change in policy. A 30-day letter leaves no time for a normal refinance. Private refinancing buys the time you need.
How we can fund it
Property-secured
We refinance the existing lender with a first mortgage, or add a second mortgage to clear arrears, secured against the same property.
Up to $5M · as little as 24 hrs · no financials
Cash-flow loan
This scenario is property-secured.
From bank statements · as little as 2 hrs
What helps us move fastest
- The bank's letter or default notice
- Current loan balance and arrears
- Property details
- Your plan for the next 6–18 months
A manufacturer given 30 days by its bank
After one loss year, a Perth manufacturer's bank asked it to refinance within 30 days. A $2.1 million private first mortgage settled in eight days, and the business returned to a bank 14 months later.
Frequently asked questions
Can I refinance if I'm in arrears?
Yes. Arrears and default notices are common reasons clients come to us.
How long can I stay on private finance?
As long as it takes to fix what the bank was worried about, then you refinance back to a mainstream lender. We agree the term with you up front.
Can you refinance a commercial property loan?
Yes. Commercial, industrial, residential and mixed-use properties are all considered.
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.
