Private Credit

Private finance when timing and structure matter.

Private credit lending for transactions that traditional banks cannot accommodate. Fast settlement, flexible structure and commercial pragmatism from a network of high net worth and institutional private lenders.

Discuss your requirements

Private finance when timing and structure matter.

Private from8.95% p.a.*

*Indicative only. Subject to lender assessment, fees and security.

01 / IN DETAIL

When private credit wins.

Private finance is not a fallback. It is the correct tool for specific scenarios. Bridging between settlements, short term capital to unlock a discount, recovery of equity locked in stock or property, and transactions with a five to ten day settlement window.

Bridging finance
Settle before sale of existing asset.
Capital release
Unlock equity for business, investment or opportunity.
Caveat and second mortgage
Short term capital behind existing senior debt.
Distressed and time critical
Funding inside five business days when needed.

02 / IN DETAIL

Terms that fit the deal.

Loan terms from three to thirty six months. Interest options including capitalised, prepaid or serviced. Security against residential, commercial or development assets. LVRs to 75% of as-is value on the right proposition.

03 / IN DETAIL

What we ask for.

A clear exit strategy. Private lenders price based on risk and certainty of repayment. Whether that is refinance, sale, or project settlement, we structure the deal around a credible exit on a realistic timeline.

WHEN THE SCENARIO ISN’T STANDARD

There may be
another way forward.

Non-standard income, complex security or a tight timeline. Explore the criteria, then talk to us about your circumstances.

Self-Declared IncomeGold Tier — Income Stated

$300K – $7.5M
Proof of income required: self-declared
Loan term: 1–36 months
Flat rate and fee structure
LVR: up to 75%*

*Subject to eligible collateral

Discuss your circumstances

No DocAsset-Rich, Income-Poor Clients

$300K – $7.5M
Proof of income not required
Loan term: 6–18 months
LVR: up to 70%*

*Subject to eligible collateral

Discuss your circumstances

Alt DocTrading Businesses — Quick Solution

$300K – $7.5M
Proof of income: (A) Accountant's declaration OR (B) 3-months' business bank statements and last quarter's BAS
Loan term: up to 36 months
LVR: pending security type

Discuss your circumstances

Lease DocCommercial Properties with Strong Lease

$300K – $5M
Proof of income: Lease agreement over subject property*
Loan term: up to 36 months
LVR: up to 70%**

*1.1x ICR required on standalone rent. **Subject to eligible commercial security.

Discuss your circumstances

Rapid RefinanceBusinesses

$300K – $3.5M
Last 3-months bank statements showing clear conduct
Loan term: 1–36 months
Flat rate and fee structure
LVR: up to 75%*

*Subject to eligible collateral

Discuss your circumstances

SMSFBusinesses Purchasing Commercial Property

SMSF Structure
Contact us to discuss your scenario

Discuss your circumstances

All scenarios are indicative and subject to lender assessment, eligible security and credit approval. Terms vary with the borrower, property and prevailing conditions.

QUESTIONS & ANSWERS

Private finance questions answered.

What is private finance or bridging finance in Australia?

Private finance (also called bridging finance) is short-term lending secured against property, typically used when you need to settle on a purchase before an existing asset has sold, or when bank timelines are too slow for a time-critical transaction.

How quickly can you settle a private finance loan?

We can settle private finance loans within 5 business days in most cases, depending on security and documentation. For urgent scenarios, contact us directly to discuss your timeline.

What LVR is available on private finance?

Private lenders will generally lend up to 75% of the as-is value of the security property. In some cases higher LVRs are possible depending on the quality of the exit strategy and security location.

What is a second mortgage or caveat loan?

A second mortgage or caveat loan provides short-term capital secured behind existing first mortgage debt. It is commonly used to release equity quickly without refinancing the primary loan.

Explore All Services

Mortgage Broking

Investment & residential loans from 6.99%

Development Finance

Construction & subdivision capital

Business Loans

Unsecured & cashflow lending

Equity Sourcing

JV & preferred equity partners

Asset Finance

Equipment, vehicles & machinery

Corporate Advisory