Private Lending
For developers and investors whose deal does not fit a bank credit policy. We arrange funding assessed on the asset and the exit — then tell you honestly what it costs and when it stops making sense.
When Private Lending Is the Right Tool
Private lending is faster and more flexible than bank finance because it is secured against an asset and repaid from a defined exit, rather than assessed against servicing history and credit policy. That flexibility has a price — it is more expensive than a bank facility, and it is designed to be held for months rather than years.
Used properly, it buys you a site, funds a project the bank would not, or gets you to a settlement you would otherwise miss. Used as a substitute for finance you could have arranged conventionally, it erodes your margin. We will tell you which situation you are in.
Bridging & Short-Term
Where the timing gap is the problem — a settlement date, an auction, or a property that needs work before it sells.
Development & Construction
Where the bank will not fund the project, will not fund enough of it, or will not move at the pace the deal needs.
Equity & Structured
Where the security is there but the structure needs to work around an existing lender or a non-standard borrower.
How a Private Deal Gets Assessed
Three questions decide most private lending outcomes. Have answers to these and we can give you a realistic read quickly.
The Security
What the asset is, what it is genuinely worth, and where we would sit on title. Valuation and position drive most of the outcome.
The Exit
How the loan gets repaid — a sale, a refinance, or project completion. A private loan is only as good as its exit, so this is the question we test hardest.
The Timeline
How long you need the money and whether that lines up with the exit. Short-term funding held too long is expensive funding.
Understand the Cost Before You Commit
Private lending carries establishment fees, legal and valuation costs, and a higher interest rate than bank finance. We set these out in writing before you proceed — never after.
Got a deal that needs to move?
Send us the asset, the amount and the exit. We'll tell you whether it's fundable and what it realistically costs.