Private Lending Solutions with Loanworx

Not every deal fits inside the boxes set by banks and traditional lenders. Sometimes you need fast, flexible funding to secure a property, keep a project moving or solve a short-term cash flow problem – and by the time a mainstream lender is ready, the opportunity has passed.

Loanworx Group helps clients access private lending solutions through a carefully selected panel of reputable private lenders. Our focus is on structuring funding that is transparent, time-sensitive and appropriate for your situation, rather than simply the fastest option on the table.

Why clients turn to Loanworx for private lending

At Loanworx Group, we know private lending is not about cutting corners – it is about finding a practical option when bank policy, timing or project profile mean traditional finance is not available.

We start by understanding what you are trying to achieve, how long you need the funds for and what your exit strategy looks like. Then we look at private lending options that can bridge the gap in a controlled way, so you can move ahead with your plans while being clear about the costs and timelines involved.

How we structure private lending solutions

The private lending market is broad and varied. Some private lenders are highly professional and transparent, while others are less so. Our role is to help you navigate that space safely.

Loanworx Group works with a select panel of established, boutique private lenders who have proven track records for reliability and clear communication. With these lenders, we focus on:

Explaining the purpose of the funding and how it will be repaid
Structuring facilities around realistic timeframes and exit strategies
Ensuring terms and conditions are understood upfront, not discovered at the last minute
Balancing the higher cost of private lending against the value of securing the opportunity

We regularly use private funding to support short-term property, development and business needs when mainstream lenders are not a good fit.

When private lending may be worth considering

Private lending can make sense when timeframes or circumstances rule out a standard bank loan. Common scenarios include bridging the purchase of a property where bank approval will not be ready in time, covering a development project that has gone over budget, or injecting capital into a business following an unforeseen event.

It may also be relevant where a project is outside normal bank criteria, documentation is not yet complete, or a short-term fix is required while a longer-term refinancing solution is being put in place. In each case, the key is to treat private finance as a tool with a clear role and clear exit, not a permanent replacement for mainstream lending.

Why timing matters with private lending

If you think private funding may be needed, it is usually better to talk sooner rather than waiting until the last moment. When we have time to properly review your situation, we can compare options, negotiate terms and make sure the private lending structure and exit plan are realistic. Leaving it too late can limit your choices and increase pressure, especially when contracts or project deadlines are involved.

Key things to know about private lending

Potential benefits

Access to funds when mainstream banks will not support the deal
Faster assessment and approval times when timing is critical
Flexible structures for property, development and business purposes
Ability to keep projects moving rather than stalling mid-way
A short-term solution while longer-term bank finance is arranged

Things to watch

Interest rates and fees are generally higher than standard bank loans
Private loans are usually short-term and require a clear exit strategy
You need to understand all fees, charges and default provisions upfront
Not all private lenders operate to the same standard or level of transparency
Using private funding without a clear plan can increase risk rather than reduce it

We will step you through these considerations in straightforward language and only recommend private lending when we believe it is a suitable option for your circumstances.

Our private lender panel

Loanworx Group does not work with every private lender in the market. Instead, we work with:

Boutique, established private lenders with strong track records
Private mortgage funds and investors who focus on property-backed loans
Selected providers experienced in short-term property, development and business funding

By keeping our panel focused on reputable, consistent lenders, we aim to reduce the risk of last-minute term changes and ensure the funding process remains as predictable as possible.

How Loanworx Group arranges private lending

Step 1 – Understand the need and exit strategy

We begin by discussing why funding is required, how quickly you need it, what security is available and how the loan will be repaid – for example, through sale, refinance or business cash flow.

Step 2 – Assess suitability and compare options

We assess whether private lending is appropriate for your situation, then approach suitable private lenders from our panel to compare indicative terms, costs and conditions.

Step 3 – Structure and documentation

Once a direction is agreed, we help structure the facility – including loan amount, term, fees and security – and work with you and your advisers to gather the required documentation.

Step 4 – Approval, settlement and follow-through

We manage the process through approval and settlement, keeping you informed at each stage. We also remain available to assist with the planned exit – for example, moving to traditional bank finance when the time is right.

Speak to a Property Loan Specialist

Private lending – frequently asked questions

Are private loans only for people with bad credit?

No. Many clients who use private lending have good credit but face timing, policy or project constraints that make bank lending impractical in the short term.

How long are private loans usually for?

Most private loans are short-term, often ranging from a few months up to a couple of years, depending on the purpose and agreed exit strategy.

Are private lenders regulated?

Regulation depends on the structure and type of lending involved. This is one reason we work only with established, reputable private lenders who have clear documentation and processes.

Is private lending always more expensive?

Private funding does usually come with higher rates and fees than mainstream bank loans, reflecting the speed and flexibility provided. The key question is whether the cost is justified by the opportunity or problem it solves – something we will discuss with you upfront.

Can private lending be refinanced to a bank loan later?

In many cases, yes. A common approach is to use private lending as a bridge, then refinance to a traditional lender once conditions, documentation or project milestones make bank finance viable.

Ready to discuss private lending with Loanworx Group?

Private lending is not for everyone, but when speed and flexibility matter, it can be the difference between seizing an opportunity and missing out. If you are considering private lending or want to understand whether it might be appropriate for your situation, we are here to help.

Call us on 1300 562 696 to talk through your private lending and short-term finance options with Loanworx Group.

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