Private Lending Guide

Private lending involves loans from non-bank sources including high-net-worth individuals, family offices, and private lending funds. These lenders can move quickly and consider factors beyond standard bank criteria. The Australian private credit market is estimated at $40 billion, representing approximately 2.5% of total business debt.

Private lending is particularly valuable when timing is critical (days not weeks), borrower circumstances don't fit bank criteria, transactions are complex or non-standard, bridge financing is needed between longer-term solutions, or credit history issues preclude bank lending. Private lenders focus on asset value and exit strategy rather than extensive income verification.

Private lending rates typically range from 10-18% p.a., reflecting the speed and flexibility offered. Terms are usually short (1-24 months). Establishment fees of 2-3% are common. While more expensive than bank finance, the accessibility and speed often make the premium worthwhile for time-sensitive opportunities.

We introduce borrowers to reputable private lenders with established track records. Our relationships enable faster processing and competitive terms for qualifying transactions. All our private lender partners operate professionally with clear documentation and transparent terms.