Short-term funding, with a plan to get out of it.
Property-secured lending settled in days — and a clear path back to a bank loan.
Higher rates than a bank loan, for a shorter time. Every cost set out in writing before you commit.
When private funding makes sense
- Settlement is days away and the bank won’t make it.
- You’ve exchanged, the deadline is fixed, and the bank’s approval is still weeks out.
- You’ve bought before you’ve sold.
- Bridging the gap between the new purchase and the existing sale.
- The security is sound but the paperwork isn’t.
- Tax returns not lodged. ABN too new. Income is real but not yet documented.
- A business needs to move quickly.
- Buying stock, funding a contract, covering a tax bill — with property as security.
- Development or renovation funding
- Where the bank’s timeline doesn’t match the project’s.
- A short credit impairment
- One that will resolve, but not before this deal has to settle.
What it actually costs
Private funding is priced for speed and risk. Rates are materially higher than bank lending, and terms are short — measured in months, not decades.
You need an exit. Every private loan needs a clear way out before it starts: a property sale, a refinance to a bank loan, or a business event with a known date. If there isn’t a credible exit, private funding is the wrong tool, and we’ll tell you so.
What’s typically involved: interest rate, establishment fee, valuation, legal costs. We’ll set all of it out in writing before you commit — no exceptions.
What happens if the exit doesn’t land. If a sale falls through or a refinance takes longer than planned, most private loans can be extended — but at a cost, and not indefinitely. The security is your property, and the lender’s remedies are real. We’ll talk through what happens if things run late before you sign, not after.
Ezlend vs going it alone
Speed
- With Ezlend
- Viability answer on day one; settlement in days
- Finding a private lender yourself
- Varies
- Waiting for the bank
- Weeks
Costs
- With Ezlend
- All costs set out in writing before you commit
- Finding a private lender yourself
- Often unclear until late
- Waiting for the bank
- Lower, but may be too late
Exit plan
- With Ezlend
- Planned from the start, including the refinance back to a bank
- Finding a private lender yourself
- Up to you
- Waiting for the bank
- —
Situations we’ve handled
Purchase settling before a sale completed
Bought before the existing property sold, with a fixed settlement date approaching. Short-term private funding covered the gap and was repaid on sale.
Business owner facing a tax deadline
An ATO payment arrangement had a firm date, and the latest returns weren’t lodged yet, so a bank refinance wasn’t possible in time. A six-month private loan secured against an investment property covered it, then was refinanced to a bank once the returns were lodged.
Auction purchase with a short settlement
The vendor wanted a 30-day settlement, and the bank’s valuation came back late and needed a second review. Private funding settled on time, and the client moved to a bank loan four months later.
Illustrative examples of situations we help with.
How quickly it moves
- Day 1
- A conversation about the security, the amount and the exit. You’ll know that day whether it’s viable.
- Days 2–3
- Valuation ordered, terms issued.
- Days 4–7
- Legals and settlement.
Timelines depend on valuation access and the complexity of the security. We’ll give you a realistic date at the start, not an optimistic one.
What we’ll need
Property details and current value · Existing mortgage position · Amount and how long you need it · Your exit plan
That’s usually enough for a first answer. Full documentation comes later.
From private funding back to a bank.
Private funding is a bridge, not a destination. From day one we plan your exit — and when the time comes, we arrange the refinance to a lower-cost bank loan for you.
Not sure if private funding is the right fit?
Book a 15-minute assessment call. If a bank loan works better for your situation, we’ll tell you that instead — we do those too →
Private lending is not regulated consumer credit in all circumstances. Terms and eligibility depend on the security, the exit strategy and the lender. This page is general information only, not credit assistance.