Home - Services - Private Lenders Loans
At Formation Finance, we help property developers, investors and business owners across Australia access Private Lenders Loans when banks are too slow or simply do not fit the situation.
We work with a broad network of funds, family offices, private investors and specialist non-bank lenders so that your loan is structured around the strength of the asset and the project, not only a textbook credit score.
Private Lenders Loans are asset-based loans funded by capital that does not come from traditional banks.
Our funding sources typically include:
Instead of focusing only on tax returns and pay slips, we look closely at:
We provide private lenders loans to small and mid-sized property developers, active property investors with growing portfolios, business owners and self-employed professionals who rely on less regular income, borrowers who have experienced recent credit issues but still hold strong assets, and community or not-for-profit groups that control valuable property or long-term projects yet do not fit a standard retail banking profile.
At Formation Finance, we work with a panel of reputable private lenders across Australia to ensure our clients access:
A private lenders loan is a type of funding offered by non-bank financiers such as credit funds, family offices, and private investors. Unlike traditional banks, these lenders focus on asset value and borrower potential, not just income or credit score. It’s commonly used for short-term, urgent, or non-standard lending needs.
For a comprehensive understanding of private lending in Australia, you can refer to this guide: A Guide to Private Lending and Private Lenders in Australia.
Approval can happen within 24 to 72 hours depending on the complexity of your case and how fast you can provide required documents. In some cases, funding may be released immediately after approval, especially for asset-backed loans like short term property loans or development loans.
Not necessarily. Private lenders are more focused on the value of your security (e.g. property) and the strength of your exit strategy than your credit score. We regularly help clients with defaults, tax debts, or non-conforming income.
You can apply through our online enquiry form, call us directly, or email us with details about your loan needs and property security. We’ll guide you through the next steps and provide fast feedback.
