Private Lending Solutions

What is Private Lending?

Private lending provides commercial finance from non-bank sources including private credit funds, high-net-worth individuals, family offices, and specialist finance companies operating outside traditional banking channels. This alternative funding can be relevant for businesses and investors needing flexible structures, time-sensitive assessment, or finance for circumstances outside standard bank criteria. Private lenders still assess security strength, commercial purpose, exit strategy, and transaction risk.

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

Private lending serves property investors, developers, business owners, and companies requiring flexible funding outside traditional banking constraints. Borrowers with complex income structures, non-standard properties, urgent funding requirements, or circumstances outside bank policy benefit from private lending solutions. Property investors managing portfolio transitions, developers funding time-sensitive acquisitions, and businesses restructuring debt or pursuing growth opportunities utilize private finance for alternative capital access.

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

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.