Private lending has become one of the fastest-growing funding solutions in Australia. With banks tightening credit policies and turnaround times blowing out, both brokers and borrowers are increasingly turning to private lenders for faster, more flexible access to capital. Whether you’re a broker looking to understand private lending more deeply, or a borrower seeking fast finance for business, investment, or property opportunities, this guide explains exactly how private len

From 1 July 2025 , the rules regarding deductibility of ATO tax debt will undergo significant changes. Businesses will no longer be able to claim deductions on interest incurred from outstanding ATO tax debts. For many businesses already managing cash flow pressures, this shift could mean higher effective costs if tax liabilities remain unpaid. What Does This Mean for Businesses? - ATO Tax Debt Previously, interest charged by the ATO on overdue tax debts could be claimed as

What is Private Lending? Private lending refers to loans provided by non-bank entities — including individuals, private companies, or specialist funds — directly to borrowers. Unlike traditional banks, these lenders often offer more flexible terms and faster decisions. This makes private lending an attractive option for many borrowers. Why is Private Lending Gaining Traction in Sydney? Speed & Flexibility : Borrowers seeking fast, tailored financing find private lending appea

In today’s competitive finance market, brokers need more than just traditional bank products to stand out. Clients expect speed, flexibility, and solutions that match their unique situations—especially when conventional finance isn’t an option. That’s where private lending comes in. Partnering with a trusted non-bank lender like Assurity Capital allows brokers to say “yes” to more deals, win more clients, and grow referral networks. The Problem: Why Brokers Lose Deals to De

In today’s competitive financial landscape, traditional bank loans often fall short for many business owners, investors, and property developers who require swift, flexible funding. That’s where private lending  steps in — a dynamic solution providing fast access to capital secured by property, without the rigid restrictions of banks. What is Private Lending? Private lending is a form of finance offered by non-bank lenders, private investors, or specialist funds. Unlike tradi

At Assurity Capital, we provide private second mortgage loans  to business owners across Australia who need fast, flexible funding — without the red tape of traditional banks. But second mortgages aren’t just for emergencies or debt consolidation. They can be a powerful strategic tool to grow and stabilise your business. Here are five unexpected — yet highly effective — ways a second mortgage  can help you unlock business growth. 1. Purchase Inventory at a Discount — Quickly

Second mortgages can unlock the value in your existing property without disrupting your first mortgage — but how much can you actually borrow? At Assurity Capital , we specialise in fast, flexible second mortgage solutions for borrowers across Australia. Whether you’re looking to fund a business, settle urgent debts, or cover a property deposit, this guide will help you understand how much you can borrow with a second mortgage — and how the process works. What Is a Second Mor

When you're looking to finance business growth, manage cash flow, or cover urgent expenses, you’ll typically face two options: secured  and unsecured business loans . Both serve distinct purposes, and the right loan depends on your business’s needs, assets, and repayment capacity. At Assurity Capital, we offer flexible private lending solutions tailored to suit different business circumstances — including both secured  and unsecured loan options . What Is a Secured Business L

Bridging finance is a powerful tool for property investors, developers, and business borrowers who need fast access to capital between transactions. Unlike traditional lenders, Assurity Capital offers flexible, non-NCCP bridging loans  secured by real estate — allowing borrowers to seize opportunities without being slowed down by rigid bank requirements. What Is Bridging Finance? Bridging finance is a short-term loan  designed to cover a gap between: Buying a new property  

Private Lending ATO Debt - For business owners and self-employed individuals, outstanding ATO tax debt  can quickly spiral into a serious problem — especially when it starts to impact credit, cash flow, or financing options. At Assurity Capital , we regularly help clients pay out ATO debt using private loans , giving them breathing room to get back on track, avoid enforcement action, and prepare for long-term refinancing. Why ATO Debt Is a Red Flag for Traditional Lenders Man

Refinancing Private Lender - Private loans serve a valuable purpose when speed, flexibility, or complexity rules out traditional finance. But they’re not meant to be long-term solutions. Many borrowers find themselves nearing the end of a private loan term — and facing pressure to refinance quickly . At Assurity Capital , we specialise in helping borrowers refinance out of existing private lenders , whether to access better terms, buy more time, or transition to bank finance

Residual stock finance is a powerful tool for property developers holding completed but unsold units after construction. At Assurity Capital, we regularly assist developers in unlocking equity from their remaining inventory to repay lenders, fund new projects, or support cash flow. In this article, we’ll explain what residual stock finance is, how it works, and when it can benefit your development business. What Is Residual Stock? Residual stock  refers to the unsold apartmen

When exploring private lending options, many borrowers and brokers come across terms like first mortgage  and second mortgage . But what do they actually mean—and which one suits your funding needs? At Assurity Capital, we specialise in both first and second mortgage loans. Understanding the difference can help you unlock the right solution, especially when speed and flexibility matter. What Is a First Mortgage? A first mortgage  is the primary loan  secured against a propert

Private loans are designed to be short-term, fast, and flexible. But just as important as getting the funding is how you're going to repay it — and that’s where your exit strategy  comes in. At Assurity Capital, we consider your exit strategy one of the most important parts of any deal. Here's why it matters — and what a strong exit looks like. What Is an Exit Strategy in Private Lending? An exit strategy  is the clear, realistic plan for how you will repay the loan at or bef

When speed, flexibility, and access to capital matter most, private loans  can provide a powerful alternative to traditional bank finance. Whether you're self-employed, running a business, or investing in property, private lending offers a way forward when mainstream lenders can’t. At Assurity Capital, we specialise in private loans secured by property. Here's a clear overview of how they work—and how they can help. What Is a Private Loan? A private loan  is a short-term, ass

When people hear “second mortgage,” they often assume it’s complicated or risky—but for business owners, investors, and borrowers with equity, it can be a strategic financial tool. At Assurity Capital, second mortgages are a common solution for fast, short-term funding. Here’s what you need to know about how second mortgages work and when they’re used. What Is a Second Mortgage? A second mortgage  is a loan secured against a property that already has an existing (first) mortg