Private Lending Solutions
Private lending broker support for business-purpose loans, commercial property finance, non-bank lending, and alternative funding after bank rejection.
Private Lending | Non-Bank Commercial Loans Australia | Emet Capital
Alternative Finance
Private Lending Solutions
Get Quote
Call Expert
What is Private Lending?
Lending structures encompass first mortgages, second mortgages, mezzanine finance, and specialized arrangements tailored to transaction requirements. Private lenders accommodate various property types, unique circumstances, and time-sensitive situations that traditional lenders may decline. Security typically involves real property, though business assets may support certain private lending arrangements. Interest rates reflect risk assessment and funding urgency, with terms ranging from short-term bridging to medium-term facilities depending on purpose and exit strategy.
Who This Service Is For
This is commercial and business-purpose lending only—no consumer finance is provided. Borrowers require appropriate business structures (ABN/ACN) or investment purposes, property or business asset security, and viable exit strategies for loan repayment. Both established investors and emerging businesses benefit from private lending tailored to commercial requirements and individual transaction circumstances.
Private Lending After a Bank Rejection
A bank decline does not always mean a transaction is unfundable. Sometimes the file is outside one lender's policy because of timing, income presentation, property type, lease profile, development stage, or the way the exit has been explained.
Private lending may be worth exploring where there is adequate security, a clear business purpose, and a realistic repayment path. It is not a way to bypass risk, and it may carry higher cost or shorter terms than standard bank debt.
How Emet Capital Helps
As commercial finance brokers, we provide access to over 50 lenders nationwide, including extensive private lending networks encompassing credit funds, private investors, and specialist non-bank financiers. Our relationships span diverse private capital sources with varying risk appetites, funding scales, and specializations. We match clients with private lenders offering appropriate structures, competitive pricing within the private market, and terms aligned with transaction requirements and exit strategies.
We guide clients through private lending assessment, deal structuring, and negotiation processes. Our expertise includes presenting transactions to private lenders, structuring security arrangements, and coordinating time-sensitive settlements where appropriate. We structure applications around the asset, borrower, purpose, and exit so lenders can assess the transaction on its merits.
Key Features & Benefits
Loan Ranges & Terms
Suitable Use Cases
Property acquisition, business growth funding, debt restructuring, development finance, bridging loans, and situations outside standard bank policy.
Flexible Security Options
Security typically includes real property (commercial, residential, or investment). First and second mortgage positions available depending on equity and deal structure.
Fast Process
Assessment focused on security strength, commercial purpose, deal merit, and exit strategy. Some private lenders can review suitable files quickly when information is complete.
Eligibility & Next Steps
Eligibility requires business or investment purpose (no consumer lending), property or business asset security with sufficient equity, and viable exit strategies for loan repayment. Documentation requirements are typically streamlined compared to banks, focusing on security evidence and transaction details. Private lenders assess deals based on security strength and merit rather than rigid policy criteria, accommodating diverse circumstances and property types.
To proceed, contact our team for a transaction assessment. We'll evaluate your funding requirements, security position, and circumstances to identify suitable private lending options. Our process includes deal structuring, private lender matching, and guidance through assessment and settlement.
Start Application
Speak with Specialist
Guides & Resources
Explore our in-depth guides to learn more about this financing option before you apply.
Complete guide to private lending in Australia—how it works, costs, risks, and when it's the right choice.
Read Complete Guide
Finding Suitable Private Lenders
How to evaluate and select private lenders for your business needs.
Read Guide
Comparing Private Lenders 2025
Current market comparison of private lending rates and terms.
Private Lenders for Small Business
How SMEs can compare private lender fit, security, and timing.
Private CRE Lenders Directory
Specialist lenders for commercial real estate outside bank criteria.
Related Services
Commercial Property Finance
Property-backed purchase, settlement, and refinance structures
Learn More
First & Second Mortgages
Property-backed business lending through registered mortgage structures
Asset-Backed Lending
Asset and property-backed business lending options
Refinancing Solutions
Commercial refinance and bank-decline pathways for business borrowers
Private Lending by Location
Explore our city-specific private lending pages for local market context and non-bank funding scenarios:
Sydney
Private lending broker support for business-purpose loans, commercial property finance, non-bank lending, and alternative funding after bank rejection.
private lending, alternative finance, private credit, non-bank lending, commercial finance
md:col-span-2 lg:col-span-3
What is private lending?
Private lending involves finance from non-bank lenders including private credit funds, high-net-worth individuals, and specialist finance companies offering alternative funding outside traditional banking channels.
How fast can private lending be arranged?
Private lenders may be able to assess some transactions faster than banks where security, purpose, and exit are clear. Timing still depends on valuation, legal work, lender appetite, and documentation.
Can private lending help after a bank rejection?
It can be relevant where the issue is lender fit, timing, structure, or non-standard security rather than a fundamentally weak transaction. A clear explanation, adequate security, and credible exit remain essential.
What does a private lending broker do?
A broker helps package the transaction, compare private and non-bank lender appetite, explain the security and exit, and reduce misdirected applications to lenders that do not fit the scenario.
Are private lending solutions available Australia-wide?
Yes, private lending is available for businesses and property investors across all Australian states and territories through our national lender network.
Is this for business purposes only?
Yes, this is commercial lending for business and investment purposes only. Consumer finance is not offered.
What is Private Lending in Australia?
what-is-private-lending-australia
Understanding private lending and how it differs from traditional bank finance
Private Lending vs Bank Lending: Which Is Better?
private-lending-vs-bank-lending-which-is-better
Compare bank and private lending pathways for commercial borrowers
Bank vs Non-Bank Commercial Lending
bank-vs-non-bank-commercial-lending-in-australia-which-borrowers-get-approved
Which borrowers may fit bank, non-bank, or private lender assessment
>Complete guide to private lending in Australia—how it works, costs, risks, and when it