Fast private business funding for companies and business owners.
Get access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping Australian companies and business owners connect with suitable private lenders for property-secured business funding scenarios.
Private funding for genuine business-purpose scenarios.
This website focuses on commercial funding for companies and business owners using residential, commercial or land security. It is designed around the specific funding purpose rather than generic consumer lending.
Why companies use private business funding instead of banks.
Private lenders may consider commercial business-purpose scenarios where the available property equity, proposed use of funds and exit strategy are stronger than the borrower’s current financial statements.
Banks commonly decline because of:
- No current financials or tax returns
- Recent business losses or irregular cashflow
- ATO debt, BAS arrears or payment plans
- Urgent settlement or acquisition deadlines
- Complex company or trust structures
- Short trading history
- The purpose falls outside standard policy
Private lenders may assess based on:
- Residential, commercial or land security
- Available equity and overall LVR
- A legitimate commercial business purpose
- A clear repayment or exit strategy
- First or second mortgage position
- Capitalised interest where available
- Speed and commercial common sense
Property-secured funding structured around the business purpose.
Every private lender has different lending criteria, security requirements, leverage limits, pricing and preferred funding scenarios. The role of this website is to help connect borrowers with suitable private lenders that specialise in the type of funding being sought, rather than taking a one-size-fits-all approach.
Business-Purpose Loan Amounts
Facilities may range from smaller working capital requirements through to multi-million-dollar equity release and acquisition scenarios.
Short-Term Commercial Structures
Terms are 3 to 36 months, with longer terms available in some scenarios and capitalised interest where suitable.
Residential or Commercial Security
Security may include residential property, commercial property or vacant land under a first or second mortgage.
PrivateBusinessFunding.com.au is an independent referral platform. We do not lend money, provide credit or make lending decisions. Our role is to understand the scenario and help connect it with suitable private lenders or specialist funding partners whose lending criteria best fit the situation.
A simple process designed for fast scenario assessment.
The goal is to get the business-purpose scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Does your company need fast private business funding?
Send through the business purpose, funding amount, available property security and proposed exit strategy.
Private business funding FAQs.
Common questions from Australian companies, business owners and advisers considering property-secured private funding.
What can private business funding be used for?
Funding may be used for working capital, stock, payroll, business acquisitions, partner buyouts, ATO debt, equipment, debt consolidation and other legitimate commercial purposes.
Can a company obtain funding without current financials?
Some private lenders may consider company and trust borrowers without current tax returns or full financial statements where acceptable property security and a clear exit strategy are available.
Can residential property secure a business loan?
Yes. Depending on the lender and scenario, residential property, commercial property or land may be considered as security for a legitimate business-purpose loan.
Are first and second mortgage business loans available?
Yes. Suitable private lenders may consider either a first mortgage or a second mortgage, subject to available equity, existing debt and the proposed exit strategy.
Can the interest be capitalised?
Some facilities allow interest to be added to the loan, reducing or removing the need for monthly interest payments during the agreed term.
Who will contact me after I submit my scenario?
After the enquiry is reviewed and a suitable funding partner is identified, a private lender or their representative may contact you directly to discuss the scenario and any additional information required.
How quickly can private business funding be arranged?
Timeframes depend on the lender, security and information available. Some straightforward scenarios may receive indicative feedback quickly, with settlement timing assessed case by case.
Can private funding be used to pay ATO debt?
Yes. Some private lenders may consider funding for ATO tax debt, BAS arrears, GST liabilities or payment-plan pressure where suitable property security and an acceptable exit strategy are available.
What loan-to-value ratio may be available?
Maximum leverage varies between lenders and depends on the security type, location, mortgage position, loan purpose and exit strategy. Some scenarios may be considered up to approximately 70% LVR.
Can vacant land be used as security?
Yes. Some lenders may consider vacant land as security for a legitimate business-purpose loan, subject to location, valuation, existing debt and the proposed exit strategy.
What exit strategies may private lenders accept?
Possible exits may include refinancing, sale of the security property, sale of a business or business asset, incoming investment, or repayment from business cashflow where acceptable to the lender.
Does the security property need to be owned by the borrowing company?
Not always. Depending on the lender and structure, property owned by a director, shareholder, related entity or guarantor may be considered as security for a genuine business-purpose facility.
Related private business funding scenarios.
Explore business-purpose private funding options based on the company’s immediate commercial requirement.
Cashflow & Working Capital
Acquisitions & Ownership
Debt & Liability Funding
Submit your private business funding scenario.
Provide the business purpose, required loan amount, available property security and proposed exit strategy.