Adelaide city skyline for property-secured private lending in South Australia

Private Lenders Adelaide and South Australia

Assurity Capital is an Australian non-bank private lender providing property-secured finance for eligible business, commercial and investment purposes throughout Adelaide and South Australia.

Private lending may be considered when a bank cannot meet the required timeframe, the borrower has a non-standard structure, a property-backed transaction needs more flexibility, or an existing private loan requires refinance. We assess each Adelaide private-lending scenario on the security property, total debt position, purpose of funds and a clear exit strategy.

Assurity Capital considers first mortgages, second mortgages, bridging finance, secured business loans, short-term business finance, property development funding, private-loan refinance and urgent settlement funding from $50,000 to $5,000,000 and above, subject to assessment.

We do not provide consumer-purpose personal loans or owner-occupied home loans.

Private Loans in Adelaide: How They Work

A private loan is non-bank finance secured by property. Rather than following a standard bank lending model alone, a private lender assesses the individual transaction.

For an eligible Adelaide or South Australian private-loan scenario, key considerations include:

The property offered as security
Property type, location, value and marketability
Existing mortgages, caveats and secured debt
Whether the loan is a first mortgage or second mortgage
The requested loan amount and combined LVR
The business, commercial or investment purpose
The required settlement date
A realistic and documented exit strategy

Private lending is generally short-term. It should support a defined transaction, commercial need or transition to a clear repayment event.

Why Use a Private Lender in Adelaide?

An Adelaide private lender may be relevant where a bank process is too slow, too restrictive or unsuitable for the transaction.

Eligible borrowers may consider private lending for:

Urgent commercial or investment-property settlements
Bridging finance while waiting for a sale or refinance
Refinance of an expiring private loan, caveat or second mortgage
Business cash flow, working capital, stock or supplier payments
Eligible business-related ATO debt or creditor obligations
Business and investment debt consolidation
Development finance or residual stock funding
Commercial investment opportunities
Self-employed or complex borrower scenarios
Bank declines where suitable security and a credible exit remain available

Private finance is not automatically the lowest-cost form of lending. It should be used where its timing, structure and commercial purpose justify the total cost and property-security risk.

First Mortgage Private Loans in Adelaide

A first mortgage is a loan secured by a first-ranking mortgage over property. The first mortgage lender has priority over other lenders in relation to the security property.

Assurity Capital may consider first mortgage private loans for eligible Adelaide and South Australian business, commercial and investment purposes. This can include refinance, commercial acquisitions, development requirements, bridging finance, urgent settlement funding and short-term secured business requirements.

Second Mortgage Loans in Adelaide

A second mortgage is secured against property that already has an existing first mortgage. The first mortgage lender ranks ahead of the second mortgage lender.

A second mortgage may allow an eligible borrower to access property equity without necessarily refinancing an existing first mortgage. It can be useful where the existing loan is worth retaining, but additional short-term capital is required for a business, commercial or investment purpose.

The combined LVR is important. Assurity Capital assesses the current first mortgage, proposed second mortgage, property value, other secured interests and the borrower’s exit strategy.

Explore related second-mortgage solutions:

Second Mortgage Loans
Business and Investment Debt Consolidation
Business Cashflow and Expansion Loans
ATO & Creditor Payment Loans
Refinancing Private Lenders or Caveats

Bridging Finance in Adelaide

Bridging finance is short-term property-secured funding that bridges the gap between two financial events.

For example, an eligible borrower may need to settle on an Adelaide commercial or investment property before another asset is sold, before bank refinance is completed, or before a development reaches a key milestone.

A strong bridging-finance application includes property details, current debt, the required settlement date and a clear exit strategy. The exit may be a property sale, refinance, asset sale, development completion or another documented repayment source.

Bridging Loans

Secured Business Loans for Adelaide Business Owners

A secured business loan uses an asset, such as real estate, as security for finance. For eligible borrowers, property-backed business finance may assist with working capital, stock purchases, supplier payments, expansion costs, urgent commercial obligations or a short-term cash-flow gap.

Assurity Capital considers property-secured business lending. The application must demonstrate an eligible purpose, acceptable security and a realistic plan to repay the loan.

Secured Business Loans and Business Cashflow and Expansion Loans

Private Lending for Self-Employed Borrowers

Self-employed business owners can face difficulty with standard bank lending where income varies, business structures are complex, financial statements are not current or taxable income does not fully explain the borrower’s available equity and commercial position.

Assurity Capital may consider eligible self-employed borrower scenarios where there is acceptable property security and a clear exit strategy. A bank decline or non-standard income does not automatically prevent private finance, but it also does not guarantee approval.

Self-Employed Borrowers

Refinance Private Loans and Caveat Arrangements

Private-loan refinance may be considered where an eligible borrower has an expiring private loan, caveat-related arrangement, second mortgage or business facility secured by property.

A refinance needs to make commercial sense. The borrower should provide the current payout figure, property details, reason for refinance and the proposed exit strategy from the new loan.

Refinancing short-term debt without a sustainable repayment plan may not be appropriate.

Refinancing Private Lenders or Caveats

Can Private Lending Be Used for ATO Debt or Creditor Payments?

A property-secured private loan may be considered for genuine business or investment-related ATO obligations, creditor payments and urgent commercial liabilities.

Borrowers should obtain independent tax, accounting and legal advice before replacing existing liabilities with private finance. The loan should form part of a clear commercial solution rather than merely delay an unsustainable debt problem.

ATO & Creditor Payment Loans

What Is LVR in Private Lending?

LVR means loan-to-value ratio. It compares total secured debt against the assessed value of the property.

For example, if a property is valued at $1,000,000 and the total secured debt is $600,000, the LVR is 60%.

For a second mortgage, the lender considers the combined LVR, which includes the existing first mortgage plus the proposed second mortgage. Acceptable LVR depends on the security property, location, mortgage ranking, purpose, loan term and exit strategy.

How Quickly Can an Adelaide Private Loan Settle?

Many eligible scenarios can receive indicative terms within 24 to 48 hours after sufficient information is provided. Some straightforward private loans can settle in as little as three to five business days.

Settlement timing is not guaranteed. It depends on the property assessment, valuation requirements, existing mortgages, borrower entity documents, legal documentation, solicitor availability and final approval conditions.

If your Adelaide property or business transaction is urgent, submit the scenario as early as possible.

What Information Is Needed for an Adelaide Private Loan Enquiry?

For an initial assessment, provide:

Property address and security type
Estimated property value or valuation, if available
Existing mortgage balances and payout figures
Requested loan amount
Clear purpose of funds
Borrower structure, including company or trust details where relevant
Required settlement date
Any relevant contracts, statements or creditor payout figures
A clear exit strategy

Complete information helps identify whether the scenario may be suitable and what further documents are required.

What Is an Exit Strategy?

An exit strategy is the borrower’s defined plan to repay the private loan at or before the end of the agreed term.

Common exits include:

Sale of the security property
Refinance to a bank or non-bank lender
Sale of another asset
Development completion and sale
Settlement proceeds from a transaction
Another documented business or investment funding source

An exit strategy must be realistic. A private loan should not be entered into simply on the assumption that a future refinance or sale will occur.

Are Private Lenders Suitable for Everyone?

No. Private lending is generally not suitable for consumer personal expenses, owner-occupied home loans, long-term unsustainable debt or scenarios without acceptable property security and a credible repayment plan.

Private lending carries property-security risk. If the borrower cannot meet the loan obligations, the lender may have rights under the loan and mortgage documents. Independent legal advice is strongly recommended before signing.

Submit an Adelaide Private Lending Scenario

Assurity Capital considers eligible private-lending scenarios across Adelaide and South Australia.

To discuss property-secured finance, call 02 9389 1077 or email scenario@assuritycapital.com.au with:

Property address
Requested loan amount
Existing debt
Purpose of funds
Required timeframe
Proposed exit strategy

General information only. Finance is subject to assessment, acceptable security, genuine business, commercial or investment purpose, lender criteria, fees, legal documentation and approval. Rates, fees, loan terms and settlement timeframes vary by transaction.

Assurity Capital does not provide personal loans or consumer-purpose owner-occupied home loans.