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Private Lending for Self-Employed Borrowers
We help self-employed borrowers assess and structure private lending with a clear exit strategy.
Home Page > Self-Employed > Private Lending
Private Lending, When Traditional Lenders Aren’t an Option (Yet)
We help self-employed borrowers assess and structure private lending with a clear exit strategy.
/ About Service
What Is a
Private Lending?
Private lending refers to finance provided by:
- Non-bank or private lenders
- Investors or specialist funding groups
- Short-term or flexible lending solutions
These loans often prioritise:
- Asset value over income
- Speed over documentation
- Flexibility over pricing
They are not suitable for everyone and must be used carefully.
/ About Service
What Is a
Private Lending?
These loans often prioritise:
- Asset value over income
- Speed over documentation
- Flexibility over pricing
Private lending refers to finance provided by:
- Non-bank or private lenders
- Investors or specialist funding groups
- Short-term or flexible lending solutions
They are not suitable for everyone and must be used carefully.
Who Private Lending May Suit
Private lending may be considered if you:
- Are self-employed with complex income
- Have strong asset or equity position
- Need short-term funding
- Are waiting for financials to be finalised
- Have been declined by traditional lenders
- Require fast settlement
It’s typically used as a temporary solution, not a long-term loan.Our role is to help you choose the least stressful and most cost-effective option.
Important Things
to Know About Private Lending
Higher interest rates
Shorter loan terms
Higher fees
Stricter exit expectations
That’s Why Suitability & Planning
Matter More Than Speed.
When Private Lending
May Make Sense?
Private lending may be appropriate for:
- Bridging short-term cash-flow gaps
- Purchasing time-sensitive property
- Business transitions
- Waiting for tax returns or financials
- Resolving temporary credit or structure issues
It should always be paired with a clear refinance or exit plan.
Private Lending Concern
And How We Help
01
Is private lending risky?
We assess suitability honestly
02
Is this my only option?
We explore standard lenders first
03
Will this affect my future borrowing?
We plan the exit strategy upfront
04
How expensive will it be?
We explain costs clearly
05
I don’t want to get stuck
We structure short-term pathways
Finance That Grows with Your Life
We Handle the Loans, So You Live Your Life.
Our Approach
to Private Lending
Suitability Assessment
We confirm whether private lending is appropriate.
Alternative Review
We assess whether standard or near-bank options exist.
Risk & Cost Explanation
We explain interest, fees, and risks clearly.
Structure & Exit Planning
We map a pathway back to mainstream lending.
Implementation & Monitoring
We support the process and future transition.
You Relax.
We Do the Rest.
What You Get
When Work with Us
Honest assessment of private lending suitability
Clear explanation of risks and costs
Access to reputable private lenders
Protection against unnecessary long-term exposure
Strong focus on exit and refinance planning
Support across personal and business finance
/ Compare
Private Lending
Vs.
Traditional Lending
Private lending
- Focuses more on assets than income
- Is faster but more expensive
- Is usually short-term
Traditional lending
- Is cheaper long-term
- Requires more documentation
- Is more restrictive
Private Lending for Self-Employed Borrowers
Flexible, Short-Term Solutions
If you’re self-employed and struggling to meet strict bank policy, private lending may offer a short-term pathway. Traditional lenders often rely heavily on tax returns, serviceability models, and conservative income shading. When business income fluctuates or documentation is incomplete, even a strong operator can be declined for a standard self-employed home loan.
Private lending works differently. Instead of focusing purely on taxable income, these lenders often assess the strength of the asset and available equity. This can provide flexibility where full-doc, low-doc home loan, or alt-doc home loan pathways aren’t suitable.
Private loans are usually short-term and higher-cost. That’s why strategy is essential. They are not designed to replace long-term lending, but to bridge a gap responsibly.
We help self-employed borrowers:
- Assess whether private lending is genuinely suitable
- Compare alternatives such as the BAS home loan or the accountant declaration pathways
- Structure clear exit strategies into mainstream lending
- Protect equity and minimise long-term cost
Position future refinance opportunities
In some cases, a private facility may be used temporarily before transitioning into a standard or low doc refinance once financials are stronger. Without a clear plan, however, costs can escalate quickly.
Working with an experienced self-employed mortgage broker ensures you understand both the risks and benefits before proceeding. We review equity levels, repayment sustainability, and lender terms carefully before recommending any private option.
- You need fast approval for a time-sensitive purchase
- Your financials are not yet finalised
- You are between tax years or restructuring your business
- Traditional lenders have declined your application
- You require short-term funding before refinancing to mainstream lending
/ FAQ
Your Questions Answered
Is private lending legal in Australia?
Yes, when provided by licensed lenders and used appropriately.
Are interest rates higher?
Yes, private lending typically costs more than bank loans.
How long are private loans usually for?
How long are private loans usually for?
Do private lenders assess income?
Less strictly. Asset value is often more important.
Will private lending affect my credit file?
It can, depending on structure. We explain this upfront.
Can I refinance out of private lending later?
Yes, exit planning is essential.
Is private lending a last resort?
It should only be used when other options aren’t suitable.
Can private lending be used for property purchases?
Yes, in certain situations, with careful planning.
Your Journey
Starts Here
Ready to talk?
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
Let's
Explore Your Options
We’re here to help.