Business & private finance
Private funding
When the banks can’t move fast enough, or won’t lend at all. Short-term funding secured by property, with a clear plan to get you out the other side.
When private funding makes sense
- Bridging: buying before you’ve sold, or settling while you wait on a sale.
- Time-critical deals: auctions, short settlements or opportunities that won’t wait for a bank.
- Tax debts or business cash crunches where equity in property is the answer.
- Complex situations that don’t fit bank or non-bank lending policy right now.
Every private loan needs an exit plan
Private funding costs more than a standard loan and is designed to be short-term. Before you commit, we’ll map out how you’ll exit, whether through a property sale or refinancing back to a mainstream lender, and help you get there.
How private lending works
Private lenders focus mainly on the value of the property offered as security and your exit strategy, rather than your income. That’s why they can move quickly. Loans are usually for short terms, commonly up to 12 months, and generally lend a lower share of the property’s value than a bank. Interest may be paid monthly or set aside from the loan at the start.
Is private funding right for you?
It can be a useful tool, but it isn’t for everyone. We’ll compare it with any bank or non-bank options first and explain all fees clearly. If a business loan or refinance would do the job for less, we’ll tell you.
Ready to talk?
Answer a few quick questions and a broker will come back to you within one business day.
Related services
FAQ
Common questions
What is private lending?
Private lending is short-term finance from private funds or investors rather than banks, usually secured by property. It’s typically used when speed or flexibility matters more than having the lowest rate.
How quickly can private funding settle?
Once a private lender has the valuation and legal documents in place, some loans can settle within days. Timing depends on the property and how quickly the paperwork is completed.
How much does private funding cost?
It costs more than standard lending, with higher interest rates and establishment fees. We’ll show you the full cost in writing before you commit.
What is bridging finance?
Bridging finance covers the gap when you buy a new property before selling your current one. It gives you time to sell without rushing, with the loan repaid from the sale.
Do I need to show income for a private loan?
Private lenders focus mainly on the property security and your exit plan, so income documents may be limited. You’ll still need to show how the loan will be repaid.
Need funds quickly?
Tell us about the property, the amount and your timeframe. We’ll come back to you within one business day.
