AUSTRALIAN PRIVATE LENDING

Private Lenders for Business Loans: $50K-$8M Fast Approval

Access business funding from Australia's leading private lenders when banks say no. Fast approval in 24-72 hours, no income assessment required, and 2nd mortgages accepted. Get the working capital your business needs today.

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24-72hrs

Approval Time

$500M+

Loans Funded

75%

Max LVR

Sydney CBD

$3.05M

2nd Mortgage Refinance

Strathfield NSW

$2.18M

1 Day Settlement

Brisbane QLD

$1.48M

Commercial Property

FLEXIBIZ PRIVATE LENDING

Private Business Lending When Banks Can't Help

Private lenders offer flexible business loan solutions that traditional banks won't consider. Whether you're self-employed, have irregular income, or need urgent cash flow, private lenders for business loans provide fast, asset-based funding across Australia.

24-72 Hour Approval

Private lenders approve and settle business loans in days, not months

No Income Assessment

Focus on property security, not financial statements or tax returns

2nd Mortgage Accepted

Access equity without refinancing your existing bank loan

Flexible Repayment Terms

No minimum term - pay daily interest only as you need

Loan Size

$50k - $8m

Interest Rate

From 8% p.a.

Maximum Term

6 months

Metro Residential LVR

75%

Real Business Loans from Private Lenders

Actual FlexiBiz loans funded by private lenders across Australia

Strathfield, NSW (2135)

FLEXIBIZ

$2,180,000

Security:Single House

Purpose:Working Capital

LVR:72%

Blacktown, NSW (2148)

FLEXIBIZ

$2,320,000

Security:Single House

Purpose:Working Capital

LVR:69%

Mosman, NSW (2088)

FLEXIBIZ

$600,000

Security:Single House

Purpose:Working Capital

LVR:75%

When to Use Private Lenders for Business Loans

Common scenarios where private business lending makes sense

Bank Declined Your Application?

Private lenders for business loans consider applications banks reject. Whether you're self-employed, have poor credit, or non-traditional income, private lenders focus on property security instead of credit scores.

No income assessment required
Poor credit history considered

Need Urgent Business Cash Flow?

When timing is critical, private lenders approve and settle business loans in 24-72 hours. Perfect for covering urgent bills, tax payments, payroll, or time-sensitive business opportunities that can't wait for bank processing.

Funds accessible within 24-72 hours
No minimum term or daily interest payment

Want to Keep Your Bank Loan?

Private lenders accept 2nd mortgages, allowing you to access property equity without refinancing your existing bank loan. Keep your low bank interest rate while accessing additional working capital for business growth.

2nd mortgage after bank acceptable
No need to refinance existing bank loan

Seasonal Business or Irregular Income?

Private business lenders understand that not all businesses have consistent monthly revenue. They offer flexible repayment options that match your cash flow cycles, making it easier for seasonal or project-based businesses to access capital.

Flexible repayment matching cash flow
Funds guaranteed by property security

Why Choose Goodland Capital as Your Private Lender

Asset-Based Lending

We focus on your property security, not your credit score or financial statements. This makes approval faster and more accessible.

Direct Private Lender

As a direct private lender, we make decisions quickly without committee approvals or red tape that delays bank loans.

Australia-Wide Coverage

Private lenders for business loans operating across all Australian states and territories with local market expertise.

Proven Track Record

Over $500M+ in business loans funded. We understand what businesses need and deliver consistently.

Private Business Lenders Across Australia

Servicing businesses nationwide with fast private lending solutions

New South Wales

Sydney CBD, Parramatta, Newcastle, Wollongong, Central Coast, North Shore, Western Sydney, Eastern Suburbs, Northern Beaches

Victoria

Melbourne CBD, Geelong, Ballarat, Bendigo, Inner Melbourne, Eastern Suburbs, Western Suburbs, Mornington Peninsula

Queensland

Brisbane, Gold Coast, Sunshine Coast, Toowoomba, Cairns, Townsville, Ipswich, Logan

Western Australia

Perth CBD, Fremantle, Joondalup, Mandurah, Bunbury, Rockingham, Perth Northern Suburbs

South Australia

Adelaide CBD, Glenelg, Port Adelaide, Mount Gambier, Whyalla, Adelaide Hills, Northern Adelaide

ACT & Tasmania

Canberra, Queanbeyan, Hobart, Launceston, Devonport

Private Lenders for Business Loans FAQ

What are private lenders for business loans?

Private lenders for business loans are non-bank financial institutions that provide business funding based primarily on asset security rather than credit scores or financial statements. They offer faster approval and more flexible terms than traditional banks, making them ideal for self-employed borrowers, businesses with irregular income, or urgent cash flow needs.

How fast can private lenders approve business loans?

Private business lenders typically approve and settle loans within 24-72 hours. Unlike banks that require committee approvals and extensive documentation, private lenders make direct decisions based on property security, enabling much faster turnaround times for urgent business funding needs.

Do private lenders require income verification?

No, most private lenders for business loans do not require income assessment or financial statements. They focus on the security (your property) rather than your business financials, making it easier for self-employed individuals, cash businesses, or those with non-traditional income to qualify.

Can private lenders provide second mortgage business loans?

Yes, private business lenders commonly accept 2nd mortgages. This allows you to access equity in your property without refinancing your existing bank loan. You can maintain your low bank interest rate on the first mortgage while accessing additional working capital through a second mortgage from a private lender.

What interest rates do private lenders charge?

Private lenders for business loans typically charge higher interest rates than banks, starting from 8% p.a., reflecting the faster approval, flexible terms, and higher risk. However, the trade-off is speed, accessibility, and no minimum term - you only pay daily interest for the period you actually use the funds.

What loan amounts do private business lenders offer?

Private lenders for business loans typically offer between $50,000 and $8 million, depending on the property security value and loan-to-value ratio (LVR). Metro residential properties can secure loans up to 75% LVR, while commercial properties typically reach 65% LVR.

When should I use a private lender instead of a bank?

Consider private lenders for business loans when banks decline your application, you need urgent funding within days, have irregular income or poor credit, want to avoid refinancing your existing bank loan, or your business is seasonal/project-based. Private lenders offer solutions where traditional banks cannot or will not help.