Balmoral Finance

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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Finance

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:

Private business loans are built for momentum, helping you move fast when opportunities or pressures arise.

money

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.

Lending

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:

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

Documentation

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.

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:

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.

Guides

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.

FAQ

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.

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.

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.

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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