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What is a Non-Bank lender?

Understanding Private Lending & Why It’s Gaining Momentum in Australia

If you’ve ever been turned away by a bank — or simply frustrated by slow approvals and rigid requirements — a non-bank lender might be the solution you didn’t know existed.

At Assurity Capital, we specialise in non-bank private lending for business and investment purposes. Our focus is on fast, flexible loans secured by real estate — without the red tape of traditional lenders.

What Is a Non-Bank lender?

A non-bank lender is a financial institution or private lender that provides loans outside of the traditional banking system. Unlike banks, non-bank lenders aren’t deposit-taking institutions, meaning they don't hold customer savings. Instead, they’re funded by private investors, funds, or capital markets.

In Australia, non-bank and private lenders have rapidly grown to meet the demand for faster, more flexible lending solutions — particularly for business owners, property investors, developers, and those who don’t meet bank criteria.

Benefits of Using a Non-Bank Lender​

  • Faster Approval - Non-bank lenders cut through red tape. At Assurity Capital, we offer conditional approvals within 24–48 hours and settlements within days — not weeks or months.

  • Flexible Criteria - We look at the deal, not your tax returns. Our loans are based on real security, not a checklist. Perfect for borrowers with complex structures, ATO debt, or irregular income.

  • No Financials Required - In many cases, we don’t require full financials, BAS, or tax returns. Just a clear loan purpose, a solid exit strategy, and suitable security.

  • Tailored Loan Structures - Banks often force borrowers into a one-size-fits-all product. Non-bank lenders structure loans to suit your situation, not theirs.

  • Access to First & Second Mortgages - We offer private loans secured by 1st or 2nd mortgage, ideal for urgent business needs, bridging finance, or refinancing other private lenders.

  • Real People, Not Algorithms - We’re relationship-driven and make common-sense lending decisions — not automated declines based on outdated credit models.

When Is a Non-Bank Loan the Right Fit?

  • Need funds urgently for business or investment

  • Been declined or delayed by traditional banks

  • Have equity in real estate but not full-doc income

  • Looking to settle a transaction fast

  • Need a short-term solution to bridge a gap

  • Dealing with credit issues, ATO debt, or refinancing private loans

Our Focus at Assurity Capital

At Assurity Capital, we are a non-bank private lender focused exclusively on non-NCCP loans — that is, loans for business and investment purposes only (not consumer lending). We work with borrowers directly and through accountants, mortgage brokers, financial advisers, and lawyers across Australia.

We specialise in:

Contact Us to discuss your scenario. 

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