How Private Loans Work: Fast Funding for Business and Investment Purposes

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, asset-secured loan provided by a non-bank lender. Unlike banks, which assess your income, credit score, and paperwork in detail, private lenders focus on:

• The value of your property security

• The loan-to-value ratio (LVR)

• The purpose of the loan

• Your exit strategy

This makes private loans a popular solution for borrowers who need speed, flexibility, or who don’t meet traditional lending criteria.

Who Uses Private Loans?

Private loans are commonly used by:

• Self-employed borrowers with complex income

• Business owners needing fast cash flow or bridging finance

• Property developers waiting on approvals or refinancing

• Investors needing equity release or funding for new opportunities

• Borrowers who have been declined by a bank

Private lending is not for personal use—it's strictly for business or investment purposes (non-coded loans).

How the Process Works at Assurity Capital

1. Initial Enquiry - Tell us your scenario—what you’re trying to do, the security property, and how the loan will be repaid.

2. Quick Assessment - We’ll assess your deal based on the property value, proposed LVR, and exit strategy—no tax returns, credit checks, or long applications required.

3. Indicative Terms in 24 Hours - If suitable, we’ll issue terms quickly so you can make a decision.

4. Valuation & Legal - Once terms are accepted, we arrange valuation and legal documents. The process is fast and streamlined.

5. Settlement - Funds can be settled in a matter of days, depending on how urgent the deal is.

   
   

Typical Private Loan Features

• Loans from $50,000 to $5,000,000+

• Terms from 3 to 24 months

• 1st or 2nd mortgages on residential, commercial, or development sites

• Flexible repayment options – interest may be capitalised

• Available to trusts, companies and self-employed borrowers

  
  

Why Borrowers Choose Private Loans

• Speed – Banks can take weeks or months. Private loans settle in days.

• Simplicity – We focus on equity and exit, not credit history.

• Flexible structures – Every loan is tailored to your needs.

• Opportunity-driven – Perfect for seizing time-sensitive business or investment deals.

Common Use Cases

• Bridging finance between property purchases

• Business working capital or urgent tax payments

• Refinance of existing private or caveat loans

• DA or construction funding for development sites

• Short-term funding pending asset sale or refinance

Work With a Specialist Lender

At Assurity Capital, we work directly with borrowers and brokers to structure fast, efficient private loans that work in the real world. We understand urgency, and we know how to move quickly—without compromising on professionalism.

Contact us today.