Understanding Private Lending: Fast, Flexible Finance When You Need It Most

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 traditional bank loans, private loans are typically asset-backed, focusing on the security of the loan (usually real estate) rather than the borrower’s credit score or financial history.

This approach allows private lenders to approve loans quickly, often within days, providing essential funding to those who may be declined or delayed by banks.

Why Choose Private Lending?

1. Speedy Approvals and Settlements

Private lenders prioritize rapid decision-making. With streamlined assessments based on the property value and exit strategy, you can expect conditional approvals within 24-48 hours and settlements in as little as 3-5 business days.

2. Flexible Terms

Private loans offer flexible loan terms typically ranging from 3 to 24 months. Interest-only repayments and customised exit strategies make private lending ideal for short-term funding needs such as bridging finance, business expansion, or refinancing.

3. Access for Non-Standard Borrowers

Whether you’re self-employed, have a complex financial situation, or have been declined by banks, private lending provides a viable option. Since assessments rely on the asset’s value and exit plan rather than strict credit checks, private lending is more inclusive.

4. Variety of Loan Purposes

Private lending can fund a wide range of needs including:

• Property development and investment

• Business cash flow and expansion

• Debt consolidation

• Startup business finance

• Bridging loans

• Tax and creditor payments

How Does Private Lending Work?

Private lenders provide loans secured by a first or second mortgage over residential, commercial, or rural property. The process generally includes:

1. Loan Application: Submit your scenario and property details.

2. Assessment: The lender assesses the loan based on the asset’s value and your exit strategy.

3. Conditional Approval: Receive a conditional approval quickly, often within 24-48 hours.

4. Settlement: Once terms are agreed, the loan settles—usually within 3-5 business days.

5. Repayment: Repay the loan as per agreed terms, typically at the end of the loan term or via refinance/sale.

   
   

Is Private Lending Right For You?

Private lending isn’t for every situation. It’s best suited for borrowers needing:

• Quick access to capital when time is critical

• Finance where traditional banks are unwilling or unable to assist

• Short-term funding with clear exit strategies

• Flexibility in loan structure and repayment terms

If you have a property asset and require fast, reliable finance, private lending is a powerful alternative to explore.

Why Choose Assurity Capital?

At Assurity Capital, we specialise in private lending solutions tailored for business owners, investors, and developers across Australia. With over 20 years of combined experience, our team understands the market and offers fast, flexible funding with personalised service.

We focus on understanding your unique needs and delivering lending solutions that work for you — whether it’s a first mortgage, second mortgage, or short-term bridging loan.

Get Started Today

Need fast, flexible finance backed by property? Contact Assurity Capital today at 02 9389 1077 or email scenario@assuritycapital.com.au for a confidential discussion. Discover how private lending can unlock your next opportunity. Contact us