PRIVATE FUNDING
Commercial Loans
Purchase, refinance, or free up equity from commercial property — warehouses, retail spaces, offices, and mixed‑use assets.
Ideal for:
· Owner‑occupiers buying their business premises
· Investors expanding their commercial portfolio
· Refinancing from a major bank to access equity faster
LVR: up to 70–75%
Loan term: 1 – 5 years (interest‑only options available)
Settlement: as fast as 7–10 business days
No full financials required if you have sufficient equity and a clear exit strategy.
CONSTRUCTION Loans
Progress drawdown finance for residential or commercial builds — from slab to handover.
Construction loans from private funders are ideal for:
· Builders and owner‑builders who don’t meet bank serviceability
· Projects where a major bank has declined due to timeline or complexity
· Multi‑stage builds requiring flexible draw schedules
How it works: Funds are released in stages (e.g. slab, frame, lock‑up, completion). You pay interest only on the amount drawn.
LVR: up to 70–75% of the completed value
Typical term: 12 – 24 months
We require a fixed‑price building contract, council approvals, and a qualified builder (or experienced owner‑builder with prior track record).
RENOVATION Loans
Unlock the hidden value in your property — renovate, extend, or flip with short‑term, asset‑backed funding.
Perfect for:
· Cosmetic or structural renovations before sale or refinance
· Adding a granny flat, second storey, or luxury upgrades
· Bridging the gap when a bank won’t fund the full renovation cost
Loan amount: based on after‑renovation value (ARV)
Term: 6 – 24 months (interest‑only available)
Exit options: refinance to a standard bank loan or sell the property
No income verification needed if you have sufficient equity and a credible scope of works.
DEVELOPER FINANCE
Strategic capital for property developers — land acquisition, DA costs, civil works, and vertical construction.
Tailored for experienced developers undertaking:
· Small to medium residential subdivisions (5–50 lots)
· Townhouse or apartment developments
· Mixed‑use commercial/residential projects
Typical structure:
· Up to 70–75% of gross realisation value (GRV)
· Interest‑only with flexible drawdowns
· Terms from 12 to 36 months
Requirements: feasibility study, DA or approved plans, experienced project team, and a clear exit strategy (presales or refinance).
We do not fund first‑time developers without a proven track record or a qualified joint‑venture partner.