MELBOURNE-BASED PRIVATE LENDING SPECIALISTS
Short-term, property-secured finance for investors, developers and business owners — assessed on your security and exit, not your payslips. We match each deal with the right credit fund, family office or private investor.
Need business funding without property security? Business loans from $5,000 →
Tell us about your deal and we’ll come back with indicative terms.
Business and investment purposes only. Not available for owner-occupied home loans.
7.95%
Rates from, p.a.*
75%
Maximum LVR*
3–24
Month terms, interest only
3–10
Business days to funding*
WHEN PRIVATE LENDING FITS
Private lenders fund on the strength of the property and a clear exit. Pick the situation closest to yours.
Your purchase settles before the bank is ready. Bridge the gap and keep the deal.
Buy the next investment property before the current one sells, then repay from the sale.
Secure a development site, with or without DA, while you line up construction finance.
Unlock equity in investment or commercial property without refinancing your first mortgage.
Clear an ATO debt or fund operations, secured against property you already own.
Defaults, judgements, tax debts or non-conforming income — we look at the security and the exit.
For cash flow, stock, equipment or an ATO bill, unsecured business loans start from $5,000 and are assessed on revenue and cash flow.
OUR LENDING
First or second mortgage, from 7.95% p.a.*, up to 75% LVR and 3–24 month terms. Interest paid monthly, prepaid or capitalised.
Site acquisition, construction and residual stock, plus preferred equity up to 95% of total development cost.
Office, retail and industrial property — full doc, lease doc or no doc.
For self-employed borrowers, investors, refinancers and SMSFs.
SECURITY
Not available for owner-occupied homes where the purpose is personal.
COMPARE
| Private lending | Bank | |
|---|---|---|
| Assessed on | Security, deal merit and exit | Income, credit score, servicing |
| Time to funding | Typically 3–10 business days* | Often 6–12 weeks |
| Documents | Tax returns and BAS generally not required | 2 years’ tax returns, financials, BAS |
| Term | 3–24 months | 5–30 years |
| Cost | Higher — you pay for speed and flexibility | Lower |
If your deal fits bank policy and timing, a bank is usually cheaper — we’ll tell you.
HOW IT WORKS
01
Your objective, timeline, security, existing debt and exit.
02
We match the right lender and structure, usually within 24–72 hours.*
03
Valuation, title, entity and exit checks.
04
Funds typically in 3–10 business days. Repay by sale, refinance or project completion.*
BUSINESS LOANS
Not every need is property-backed. For cash flow, stock, equipment or an ATO bill, we arrange business loans assessed on revenue and cash flow — not just a credit score.
$5K – $500K, no property security
Assessed on bank statements and trading history.
Working capital for cafés, retail, trades & services
Wages, stock, suppliers, equipment or growth.
3 – 12 month terms, no early payout penalty
Seasonal stock, slow receivables or an ATO bill.
Indicative approval within 3 business hours*
Funds as soon as the next business day.*
WHY FORMATION FINANCE
We’re a Melbourne-based finance and lending team working with borrowers across Australia. Because we work with major and second-tier banks, non-bank lenders, credit funds, family offices and private investors, every deal goes to the funder whose appetite fits it.
The process was smooth and stress-free. Highly recommend for reliable property development finance!
Owen L. · Property development client
★★★★★ Google review
FAQ
More detail on rates, terms and process in our private lenders loans guide.
Short-term finance from non-bank sources — credit funds, family offices and private investors — secured against property. Assessment focuses on the security and your exit rather than income or credit score.
Typically up to 75% of the security’s value, lower for rural or specialised assets. The final amount depends on valuation and your exit.
Settlement deadlines, bridging, site acquisition, equity release, working capital and tax debts — any business or investment purpose with a clear exit.
It’s faster, shorter-term and more flexible on documents and credit history, but it costs more. It’s best used as a bridge to a sale or a cheaper refinance.
No — private lending is for business or investment purposes. For owner-occupied borrowing, see our low doc home loans.
INSIGHTS
Share the security, amount, purpose and timing. We’ll come back with indicative terms — obligation free.
