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PRIVATE LENDING
The deal is on. The timing doesn’t line up.
A settlement date, a tax debt or an opportunity that won’t wait for a long approval process. We look at the security, the deadline and your exit, then match you with private and specialist lenders. Business and commercial purposes only.
Private lending is for business and commercial purposes only. It isn’t available for buying or refinancing your own home or a residential investment property. Lender criteria, fees and charges apply.
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Loan amounts depend on the lender and the security
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Terms usually from 3 months to 2 years
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Secured against property
Make an enquiry
A broker will call you to discuss your options. No obligation.
SOUND FAMILIAR?
Sound familiar?
Settlement is in three weeks.
And the usual lenders need longer.
The ATO wants paying now.
Your equity is in property, not cash.
The development is between stages.
You need funds to finish before you can refinance or sell.
The deal doesn’t fit a standard box.
Complex income, structure or security.
A lender pulled out late.
The deal was approved, then it wasn’t. Settlement is still the same date.
Your current loan has expired.
The facility has run its term, and refinancing to a standard lender will take time.
OUR PROCESS
How private lending works
1
Scenario review
Security, funding need, current debt, timeframe and exit.
2
Indicative terms
Suitable lenders review and issue a term sheet.
3
Valuation
Valuation and supporting documents reviewed.
4
Approval and funding
Formal approval, contracts, then funds released.
HOW WE HELP
Structure, lender fit, timing and what comes next.
Structure
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Short-term funding secured by property
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Interest options set around your exit
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No longer than the deal needs
Lender fit
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Private and specialist lenders
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Options when standard lenders say no
Timing
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Working back from your deadline
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A clear exit from day one
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Valuation and documents planned early
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Clear on fees before you sign
Tomorrow
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Set up with the refinance already in mind
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Terms that leave room for the next stage
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Avoiding a costly second private loan
WHAT IT CAN LOOK LIKE
A commercial settlement that can’t move
Illustrative scenario
A business owner has contracted to buy a commercial property, but the usual lender process won’t finish before settlement. The owner talks through a short-term private loan secured by property, with a plan to refinance once the longer approval is complete. Private lending usually costs more, so the exit plan matters. Illustrative example only, not a real client. Every business is assessed on its own circumstances and lender criteria.
QUESTIONS
Common questions
How does the process work?
We review your scenario, private lenders issue indicative terms, the property is valued and documents are checked, then formal approval and settlement. Timing depends on the lender and the security.
Is private lending more expensive?
Usually, yes. Rates and fees are generally higher than standard business lending. It is best suited to short-term needs with a clear exit.
Can I use private lending for my own home?
No. Private lending through us is for business and commercial purposes only. It is not available for buying or refinancing your own home or residential investment property.
What do private lenders look at?
Mainly the property, the loan size against its value, and the exit: how and when the loan will be repaid. Income matters less, but the exit has to stack up.
What does it cost and how do you get paid?
Costs depend on the lender, the product and your business. Your broker explains every fee and cost before you decide. We may be paid a commission by the lender or charge a fee, and we tell you before you apply. Subject to lender approval; fees and terms apply.
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Tell us what’s going on.
A short call is usually enough to see whether funding could help now, and how it could be set up for what comes next. No obligation. Business purposes only. Subject to lender approval; fees and terms apply.