Formation Finance is a team of finance and lending experts, based in Melbourne, providing financing solutions and private lenders loans across Australia.
Formation Finance has access to funding from the major banks, second-tier banks, non-bank lenders, private lenders, family offices and investors which allows us to tailor a solution for any scenario or transaction.
Our clients love us because we:
As a Melbourne-based finance and loan specialist, Formation Finance secures funding from private lenders, non-bank institutions, family offices, and investors, ensuring you get the best loan structure for your needs.
Property Developers – Secure development sites faster and kickstart construction without the delay of traditional loan approvals. For example, some construction loans without presales can help accelerate timelines.
Self-Employed & Business Owners – Access working capital quickly without the lengthy paperwork or income proof required by banks—ideal for time-sensitive opportunities.
Borrowers with Bad Credit – Even if you’ve faced financial setbacks, you can still qualify for funding. Many lenders look beyond credit scores and focus on asset value and loan purpose.
Those Seeking Bridging Loans – Cover short-term gaps between property transactions with funding that can be approved and settled in just days. Learn more about how bridging loans work from NAB.
If you’re exploring alternative finance options, our private lenders loans page breaks down how it works, who it suits, and how you can apply with confidence.
Purchase Property or Development Sites – Secure funding quickly to act on time-sensitive real estate opportunities.
Bridge Short-Term Cash Flow Gaps – Cover expenses between property settlements or during business slowdowns.
Fund Renovations or Construction – Start or complete projects without waiting for bank approvals.
Consolidate Debt – Use private lending to streamline multiple debts into a single short-term loan.
Access Flexible Finance – Ideal for borrowers who don’t meet standard criteria or who are exploring a second mortgage to unlock equity.
