Formation Finance is a team of finance and lending experts, based in Melbourne, providing financing solutions 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 service page breaks down how it works, who it suits, and how you can apply with confidence.
Private lending moves on a different clock to a bank. Here is what happens at each stage, and exactly what gets assessed before your loan settles.
Step 01
A short call
What we need from you
Step 02
Fast turnaround
What you receive in writing
Step 03
Where the calendar sits
What gets assessed
Step 04
Weeks ahead of a bank
What happens
Most of the calendar sits with valuation and legal. Everything either side moves in days.
Timeframes are indicative and depend on the security, the lender and how quickly documents are returned. Nothing on this page is an offer of credit.
