Private lending is short-term funding provided by private lenders and non-bank funders rather than the major banks. It exists for situations where speed matters or where a deal falls outside standard bank criteria, and it’s almost always secured, usually against property, and built around a clear exit such as a sale or refinance.
At Loanworx, we arrange private lending for scenarios like bridging between properties, settlement shortfalls, short-term business cash flow and deals on tight timeframes. We work with reputable private funders, compare the options, and structure the facility around how and when you’ll repay it.
As an experienced finance broker, we work for you rather than for any single funder. Private lending is a tool for a specific job, not a long-term home loan, and we’re upfront about when it fits and when it doesn’t.
Facing a tight timeframe or a deal the banks can’t fund? Call us on 1300 562 696 or get in touch and we’ll be back to you shortly.
Private lending comes down to speed, security and a clear way out. Here’s how it works.
Private funders can assess and settle far faster than a bank when a deadline is real, sometimes in days rather than weeks, which can be the difference between securing a deal and missing it.
Private lending is almost always secured, usually against property, with the facility built around a clear exit such as a sale or refinance. The exit is the heart of the deal, not an afterthought.
Bridging, settlement shortfalls, short-term cash flow and one-off situations that standard lending can’t accommodate are where private funding earns its place. It fills the gap a bank timeline or policy leaves open.
Banks are built for standard deals on standard timelines. When a settlement looms, a shortfall appears, or an opportunity won’t wait, a private lender can often fund in days rather than weeks, provided there’s security and a clear way out.
We work with reputable private funders, match your scenario to the right one, and structure the facility around your exit. Private lending is short-term by design, so we’re clear from the outset about the cost, the term and the plan to repay it, because a private loan without an exit is a problem, not a solution.
Private lending is one of four specialist solutions we offer. Explore the others below to find the right fit.
Flexible personal loans and competitive car finance, sourced from lenders who suit your situation and structured around your budget.
Home loan benefits for eligible professionals, including LMI waivers at higher LVRs and sharper pricing, with select lenders.
Limited recourse borrowing to buy residential or commercial property inside your self-managed super fund.
Private lending is assessed differently to a bank loan. These are the factors that drive a private funder’s decision.
Private lending is secured, usually against property, so the value and quality of that security is central. A strong asset gives a funder the confidence to move quickly.
The single most important element is how you’ll repay the loan, whether that’s a sale, a refinance to a bank, or incoming funds. A credible, evidenced exit is what makes a private loan work.
Private funders lend against the security’s value, and a conservative loan-to-value ratio gives them, and you, a buffer. The right level depends on the asset, the funder and the scenario.
Private lending is short-term by design, typically arranged for months rather than years, aligned to your exit. The term is set around when the funds will come back, not stretched out indefinitely.
A private funder wants to understand why the funding is needed and how the situation resolves. We help you present a clear, credible plan, and we’re honest about whether private lending is the right tool before you commit. Where it isn’t, we’ll tell you.
Specialist lending isn’t only about the headline rate. It’s about being matched to a lender that will approve your scenario, structuring it correctly, and having someone manage the process. Here’s what working with us looks like.
We compare across specialist, non-bank, private and SMSF-capable lenders that most borrowers never see, so you get a genuine spread of options rather than one lender’s view. We match your scenario to the lender most likely to approve it on sensible terms.
You deal with experienced brokers who expect to see self-employed income, trusts, SMSFs, professional packages and short-term deals, and who know how to present each one to the right lender accurately rather than force-fitting it into a generic application.
From the first conversation to settlement, we prepare the submission, liaise with the lender, coordinate with your accountant or adviser where needed, and keep you updated at each stage, so the deal keeps moving and you’re never chasing it.
For most loans, Loanworx is paid an upfront and trail commission by the lender after settlement, and that commission typically does not change the rate or fees you pay. Where a fee for service applies to a more complex scenario, we disclose it in writing before any work begins. No surprises.
Private lending is short-term funding from private lenders or non-bank funders rather than a major bank. It’s almost always secured, usually against property, and structured around a clear exit such as a sale or refinance. It’s used where speed matters or where a deal sits outside standard bank criteria. It isn’t a long-term home loan; it’s a tool for a specific, short-term purpose.
When timing or circumstances rule out a standard bank loan. Common scenarios include bridging between a purchase and a sale, covering a settlement shortfall, funding short-term business cash flow, or acting on an opportunity a bank can’t fund in time. The common thread is a short timeframe and a clear way to repay or refinance the loan.
Far faster than a bank, often in a matter of days for a clean deal with strong security and a clear exit, compared with weeks for a standard loan. The exact timing depends on the security, the funder and how ready the supporting information is. We’ll give you a realistic timeline upfront and move quickly where the deal allows.
Generally, yes. Private funding is faster and carries more risk for the lender, so it typically costs more than a standard bank loan, and it’s priced for the short term. Whether that cost is justified depends on what the funding achieves, such as securing a deal or bridging a gap. We’re upfront about the cost and only recommend it where the benefit clearly outweighs it.
Yes. The exit is the most important part of a private loan: it’s how the funding is repaid, whether through a sale, a refinance to a bank, or incoming funds. A credible, evidenced exit is what makes private lending work and keeps it short-term. We won’t arrange private funding without a clear, sensible exit, because that protects you as much as the funder.
For most arrangements, Loanworx is paid by the funder, and we’ll always make the cost of the facility clear before you proceed. Where a fee for service applies to a more complex private deal, we disclose it in writing before any work begins. Either way, you’ll understand the full cost, the term and the exit before committing. No surprises.
Have a scenario that falls outside the standard bank mould? Talk it through with a specialist broker, with no cost and no obligation. Call us on 1300 562 696 or get in touch and we’ll be back to you shortly, ready to map out what’s possible.
Level 15/412 St Kilda Rd
Melbourne VIC 3004
Loanworx Group Pty Ltd as trustee for Loanworx Group Trust and brokers representing it, are credit Representatives of Loanworx Group Licencing Pty Ltd (Australian Credit Licence number 495267). Please note, we adopt best practice regarding Australia’s privacy legislation. Your contact information will be collected by us and by our aggregator, and its subsidiaries and related businesses. We use this information to stay in contact and provide our services to you, and we may also use your information to offer or provide you with additional products or services or ask for your feedback. We may not be able to assist you if we do not have your current contact information. We may need to disclose your information to our associates, contractors, and service providers, who may be overseas. Our Privacy Policy available at www.loanworx.com.au contains information about how you can access your personal information and request corrections or complain if you are dissatisfied with how we have dealt with your personal information.
Copyright © Loanworx | Privacy Policy
