You've come to the right place.
Instead of going lender to lender, speak with us. You only have to explain your situation once. We're across 70+ lenders, from private lenders when you need speed to bank options through our trusted broker network, so we can get you quick answers.
Scroll down to see our aggregated lending matrix: what our lenders are funding right now. ↓
Tell us what you need in the form below, or call us.
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Our lending matrix
Purchase, refinance and equity release on office, retail, industrial and mixed-use.
Business-purpose loans secured by residential property, including units held by companies and trusts.
Site acquisition, construction, subdivision and residual stock.
Land banking, englobo, vacant land and rural holdings.
Short-term funding to settle before a sale or refinance completes.
Additional funding behind an existing first mortgage.
Working capital, expansion and acquisitions, secured by property or cash flow.
Mezzanine, preferred equity, stretch senior and corporate credit.
Loans to self-managed super funds for commercial and residential property.
Funding against unpaid invoices and trade cycles.
Equipment, vehicles, plant and machinery.
ATO debt, GST funding and other niche scenarios.
Don't see your scenario? Call 1300 911 862. The matrix changes every cycle.
We arrange commercial property loans, development and construction finance, bridging loans, second mortgages and caveat loans, business and cash flow loans, SMSF loans, invoice finance and equipment finance. All are for business or commercial purposes. The lending matrix above shows current loan ranges across our lender network.
No. We work with more than 70 private lenders, private credit funds and non-bank lenders, and with the banks through our trusted broker network. The lender makes the credit decision; our job is to put your scenario in front of the lenders most likely to fund it.
A private lender funds loans from private or institutional capital rather than customer deposits. Private lenders usually assess the deal and the security more than standard bank criteria, can move quickly, and will look at scenarios banks decline. Rates are typically higher than bank rates, reflecting that flexibility and speed.
Often, yes. Private and non-bank lenders assess deals differently from banks, so a bank decline doesn't mean there's no pathway. Tell us what the bank said and we'll tell you where it's likely to fit.
It depends on the deal: the security, the loan-to-value ratio, the term and how the loan will be repaid. Private loans are usually priced above bank rates, reflecting their flexibility and speed, and non-bank rates often sit in between. Once we understand your scenario, we can show you indicative terms from the lenders it suits, at no cost.
Lenders look at the loan-to-value ratio (LVR): the loan as a share of the property's value. Each lender sets its own limits depending on the property type, location and loan purpose, and second mortgages are assessed on the total borrowing across both loans. Tell us about the property and we'll tell you what's realistic.
Not always. Many private lenders focus on the security and the exit more than full financials, so low-doc options are available for the right scenario. Lenders will still want to understand what the loan is for, the security, and how it will be repaid.
Often, yes. Private lenders focus on the property and the exit, so ATO debt, arrears or a past default don't automatically rule you out. Tell us about it up front. Issues raised early are far easier to work through than ones found later.
It's how the loan will be repaid, usually through a sale, a refinance to a longer-term lender, or funds due from elsewhere. For short-term loans it's often the lender's first question, and a clear, supported exit is one of the biggest factors in how a lender views the deal.
A bridging loan is short-term funding, usually from a few months up to three years, that lets you settle a purchase or cover a gap before a sale or longer-term refinance completes. It's secured against property and repaid from that sale or refinance.
A second mortgage is extra funding secured behind an existing first mortgage, with the first lender's consent where required. A caveat loan is a fast, short-term business loan secured by a caveat on the property title rather than a registered mortgage. Both are used when funds are needed quickly without refinancing the existing loan.
No. We're not a lender, and we don't get involved in consumer credit. If you need a home loan, personal loan, car loan or any other consumer loan, call us and we'll put you in touch with one of our trusted brokers.
How much you need, what it's for, the security you can offer and your timing. We don't ask for financials or documents until you've signed our privacy consent and decided to go further.
We aim to get back to you within the hour. In that first conversation we'll tell you whether your scenario fits a lender in our group or network, and what we need to take it further. Once we have that, you'll usually know within 24 hours whether there's a credible funding pathway, and if there isn't, why.
Getting indicative terms costs you nothing. If you decide to proceed, any fees are agreed with you up front, before any work starts.
No. Speaking with us doesn't involve a credit enquiry. A lender will usually only run one once you choose to proceed with an application.
Yes. Our lenders fund commercial and business loans across Australia, including Sydney, Melbourne, Brisbane, Perth, Adelaide and regional areas. Appetite varies by state and location, which is part of what we check for you.
They're combined from our lenders' credit guides and published criteria, and reviewed every 21 days. Each deal is still assessed on its own merits by the lender.
