Private Lending & Commercial Bridging
When the Bank Can't Move Fast Enough.
Structured funding for business-purpose scenarios that sit outside standard bank policy — from urgent settlements and commercial bridging finance through to second mortgage structures, ATO pressure, and time-sensitive capital needs.
Specialist private mortgage lending structured around security, equity, exit strategy and speed.
Most deals don't fail on merit.
They fail on timing and policy.
The borrower has equity. The exit is real. But the bank either can't assess it under standard policy, or takes so long the deal dies waiting.
The bank problem
Settlement deadlines pass in the credit queue
A standard bank turnaround on commercial or business-purpose credit can run 6–12 weeks. If there's a notice to complete, a director penalty notice, or an expiring contract — the deal is dead before the bank finishes assessing it.
The specialist path
Scenario first, indicative offer same day
Private mortgage lenders work backwards to banks. The scenario goes in first. An indicative offer comes back — often within hours — with the full term sheet. Valuations and due diligence follow after, not before. Speed is the entire point.
The bank problem
Income servicing calculators don't fit
Banks assess business-purpose deals against personal income servicing models. Self-employed borrowers with strong equity get declined because the payslip — or the BAS — doesn't pass the policy gate.
The specialist path
Assessed on security, equity, and exit
Private lenders don't run servicing calculators. They assess on the property, the LVR, the equity position, and the exit strategy. If the security is strong and the exit is credible, income is supporting evidence — not the deciding factor.
The bank problem
Entity structures trigger policy exclusions
Trusts, companies, multi-director structures, and related-party arrangements are standard in business — but they trip automated credit policy at most major banks.
The specialist path
Company-to-company is the default structure
Private lending is structured company-to-company by design. The borrower must be an incorporated entity with an ACN. Lenders work with trusts, companies, and multi-entity structures daily.
The bank problem
No exit framework — just long-term servicing
Banks structure business lending around ongoing income servicing over 20–30 year terms. There's no mechanism to assess a short-term facility with a defined exit event.
The specialist path
Exit strategy is the entire assessment
Every private lending facility is built around the exit strategy. Sale of property, refinance to a mainstream lender, incoming settlement proceeds, or a defined short-term business event. No credible exit means no approval.
The bank problem
Banks rarely do second mortgages for business
If your property already has a first mortgage, most banks won't lend behind it for business purposes. Refinancing the entire facility takes weeks.
The specialist path
Second mortgages are a core structure
Private lenders routinely use second mortgages to unlock equity without disturbing the first mortgage. It's often the fastest way to access capital for ATO debt, urgent cash flow, or bridging.
Bottom line: a bank decline on a business-purpose deal usually isn't a credit problem — it's a policy fit problem.
What is private lending for business.
A category of short-term, property-secured business lending provided by non-bank funds — assessed on security, equity, and exit strategy, not income servicing. Interest is typically capitalised and repaid at facility exit.
Commercial Bridging
Larger facilities for settlement gaps, property transactions, and time-sensitive commercial deals.
Short-Term Business Capital
Faster-turnaround facilities for urgent equity release, ATO pressure, and scenarios where a second mortgage avoids disturbing the first.
How deals are assessed
Private mortgage lenders don't run servicing calculators. Every deal is assessed against four things:
Does your scenario fit?
Select a scenario above.
Not the right fit? Try One Doc Home Loans, Business Loans, or Asset Finance.
Private lending FAQs.
Quick answers for business owners considering specialist private lending.
If the scenario is unusual, a short call covers more ground than any FAQ.
Private lending for business is short-term, property-secured funding from non-bank lenders for business-purpose scenarios. The borrower must be an incorporated entity (ACN).
Banks use income servicing calculators. Private lenders assess on security, equity, LVR, and exit strategy. The process runs backwards — scenario first, indicative offer back same day, then due diligence.
Commercial bridging finance is a short-term facility that bridges a timing gap in a business or property transaction.
The fastest route is through a specialist private lending broker who has direct relationships with non-bank lenders. A broker matches your scenario to the right funder, structures the deal around security and exit, and manages the process through to settlement. Talk to us →
Yes. If a notice to complete has been issued, private lenders can settle before the contract is terminated. Purchase must be in company name (ACN) with a clear exit.
No servicing calculators. Assessment is on property, equity, LVR, and forced sale value. Income evidence supports the decision — doesn't drive it.
Yes. Second mortgages unlock equity without disturbing the first mortgage. Second Mortgage Business Loans →
Residential, commercial, industrial property and land. Some accept specialised assets. Caveat loans may work for very short-term scenarios.
Yes. First mortgages start ~9–10% p.a. Second mortgages can run 1–2% per month. Interest is usually capitalised and repaid at exit.
Indicative offers within hours. Formal approval 1–5 business days for short-term facilities, 1–2 weeks for larger commercial bridging deals.
Structured around security, equity, and exit.
The deal that gets approved isn't always the cheapest — it's the one that's structured right.