Fast, Flexible Business Loans When You Need Them Most
Working capital, asset finance, or second mortgages we fund what the banks won’t.
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What Are Private Business Loans?
Redefining Business Finance — Outside the Banks
Private business loans are funding solutions designed for business owners who need capital quickly — without the red tape, delays, or rigid requirements of traditional banks. Instead of waiting weeks for approval, private lenders make decisions based on logic, asset position, and deal structure, not a checklist.
These loans are flexible, fast, and tailored — built to serve real-world business needs rather than tick boxes on a policy sheet.
How Private Lending Differs from the Banks
Traditional business loans are often slow, documentation-heavy, and policy-driven. Business owners are asked to provide full financial statements, tax returns, cash-flow forecasts, and aged debtor summaries — only to face rejections over minor technicalities or timing issues.
Private lenders, on the other hand, operate on commercial reality — not bureaucracy. They look at your business potential, assets, and exit strategy rather than fixating on perfect paperwork. This means:
- Approvals within days, not weeks.
- Flexible documentation options, including full doc, lease doc, low doc, and no doc.
- Funding based on equity and purpose, not just serviceability ratios.
- Straightforward communication, no endless bank committees or revisions.
Private business loans are built for momentum, helping you move fast when opportunities or pressures arise.
Common Uses for Private Business Loans
Private funding can be used across a range of business scenarios — especially when timing and flexibility are key:
Working Capital
Keep operations running smoothly during seasonal slowdowns or growth phases. Cover payroll, suppliers, and day-to-day expenses without waiting for receivables.
Asset Purchases (Vehicles, Equipment, Machinery)
Upgrade your capacity with new equipment or vehicles. Many lenders offer sale-and-leaseback or equity-release options based on existing assets.
Business Growth or Acquisition
Expand, buy out a partner, or take over another business. Private loans can provide fast bridging capital while you prepare for long-term bank finance.
Tax Debt Resolution
ay down ATO obligations before they escalate into enforcement or wind-up actions. Private lenders regularly fund deals involving tax debt where banks won’t.
Cash Flow Smoothing
Balance uneven revenue cycles or bridge timing gaps between large payments, tenders, or projects.
Private business loans are not a last resort — they’re a smarter, faster way to fund opportunity. When your business can’t afford to wait, private lending delivers.
Why Private Lending?
Why Our Clients Turn to Private Lending
Whether you’re a business owner, investor, or broker supporting your client, private lending offers real solutions when banks say no:
Credit Score Issues
Many business owners are rejected due to credit blemishes that don’t reflect current business performance. Private lenders assess the full picture — not just a number.
Tax Debt
ATO debts can stop bank approvals cold. Our lenders understand that tax debt is often temporary and solvable — and they’ll still fund the deal.
Low-Doc or Incomplete Financials
If your business doesn’t have perfectly prepared financials or you’re between tax returns, we offer low-doc including:
- Accountant declaration
- BAS statement reviews
- Bank statements
Urgent Timeframes
Need funds this week, not next month? We can move from scenario to settlement in a matter of days, not weeks.
When Urgency, Flexibility, and Simplicity Matter
For many business owners, dealing with traditional banks can feel like navigating a maze of red tape, endless documentation requests, and slow turnaround times. That’s where private lending comes in — as a fast, flexible, and common-sense alternative.
What Makes Private Lending Different
Fast Approvals
with decisions often made within 24–72 hours
Flexible Terms
customised to your business needs and repayment structure
Equity-First Approach
funding is based on asset strength and deal logic, not red tape
Creative Structuring
including second mortgages, cash-out, and bridging facilities
Common-Sense Underwriting
real humans assessing deals, not just checklists
Loan Documentation Options
Full Doc or No Doc — We’ve Got You Covered
We understand that not every business has perfectly packaged financials — and we don’t believe that should stop you from accessing the funding you need. That’s why we offer multiple documentation pathways to suit a wide range of business profiles and situations.
Full Doc Loan
For businesses with strong financial records and up-to-date documentation, our full doc loan options offer access to the most competitive rates and terms.
- Requires complete financials (tax returns, financial statements, etc.)
- Ideal for established businesses with clean records
- Generally provides the lowest interest rates and best repayment terms
Low Doc Loans
When full documentation isn’t possible, our low doc options offer a fast and flexible alternative — especially for time-poor business owners or recently restructured entities.
Accepted forms of low doc evidence include:
- BAS Statements – Business Activity Statements showing turnover and GST
- Accountant Declarations – Signed letters from your accountant confirming income
- Bank Statements – Business or personal bank activity to verify cash flow
For businesses with strong financial records and up-to-date documentation, our full doc loan options offer access to the most competitive rates and terms.
Who We Help
Business Owners Across Industries
We work with business owners from all walks of life — whether you're running a small local operation, scaling up your team, or navigating unexpected financial pressure.
Small to Mid-Sized Business Owners
From cafés and tradies to growing service-based businesses, we help everyday owners access fast capital without the headaches of traditional banks.
Trades & Contractors Needing Gear or Staff
Need equipment, utes, or additional hands on the job? We offer quick access to funds so your projects don’t stall.
Time-Poor Professionals
If your business keeps you busy — we make the funding process simple. Fast communication, low-doc options, and minimal admin.
Clients Recovering from COVID or Cash-Flow Hits
We understand the lasting effects of lockdowns, staff shortages, and economic disruptions. Our funding helps businesses bounce back.
Businesses with Tax Debt, Urgent Obligations, or ATO Pressure
If the ATO is closing in and your bank has declined you, we’ll step in. We work with lenders who accept tax debt and find a way forward — fast.
Mortgage & Finance Brokers
Need a home for a tough scenario? We partner with brokers to place non-bank, low-doc, and second mortgage business loan deals that others can’t.
Frequently Asked Questions
How fast can I get funds?
24–72 hours. Once we’ve reviewed your scenario and supporting info, funds can often be released in as little as one to three business days.
Do I need to provide financials or tax returns?
No. We offer low doc and no doc loan options, including approvals based on BAS, bank statements, or even just asset position and declared income.
Do I need to provide security?
Not always. While most of our loans are secured against property (first or second mortgages), we can explore unsecured or lease-backed options for certain clients and scenarios.
Will you lend if I have unpaid tax debt?
Yes. We regularly assist clients under ATO pressure. In fact, it’s one of the most common reasons borrowers come to us after being rejected by their bank.
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