Insights

Expert analysis of private lending, commercial finance, and business-purpose lending in Australia. Written for corporate borrowers, property developers, and the commercial brokers who introduce them.

Second Mortgage

Second mortgage vs caveat loan: which is right for your business?

A registered second mortgage and a caveat loan both unlock equity — but they work very differently. Here's how to choose.

First Mortgage

First mortgage vs bank mortgage: when private lending is the right tool

Private first mortgages aren't a last resort — they're a different tool for a different set of problems.

Construction

Construction finance feasibility — what private lenders actually look at

Feasibility assessment for private construction lending works differently from a bank. Here's what panel lenders and private investors focus on.

Renovation & Flip

Property flipping in Australia — the Pty Ltd structure

Why corporate borrowers use a Pty Ltd company for buy-renovate-sell strategies, and how the lending works.

Compliance

Section 5(1) of the National Credit Code, explained for SMEs

How section 5(1) exempts loans to body corporate borrowers from consumer credit regulation — and why it matters for your business.

Compliance

Why a Pty Ltd structure changes what's possible in commercial lending

Borrowing through a Pty Ltd company opens doors that personal borrowing cannot. The legal and commercial reasons explained.

Compliance

Anti-avoidance — what s.13(3) of the Code means in practice

The National Credit Code's anti-avoidance provision and what it means for Business Purpose Declarations.

Compliance

When is a 'business purpose' loan actually a consumer loan?

The line between business-purpose and consumer lending, and why getting it wrong has consequences for both borrower and lender.

Compliance

Choosing between a Pty Ltd company and a corporate trustee for your borrowing entity

Pty Ltd or trust? The lending, tax, and asset-protection considerations when choosing your borrowing structure.

Borrower Guide

Bank declined your business loan — what to do next

A bank decline isn't the end. Here's a practical guide to what happens next and how private lending can bridge the gap.

Borrower Guide

Settlement is in 14 days and your loan isn't approved

When contract deadlines are closing in and your bank approval hasn't come through, a private bridging solution may be the answer.

Borrower Guide

ATO debt is blocking your refinance — here's how to fix it

An outstanding ATO debt can prevent a mainstream refinance. A property-secured business loan arranged through our panel can clear it.