Who we help
Private Credit Loans arranges loans for Australian entity borrowers. Every loan we arrange is to an entity, not a natural person. This is a structural feature of how we operate — not a marketing position.
Eligible borrowers
- —Pty Ltd companies — Australian proprietary limited companies registered with ASIC.
- —Corporate trustees of trusts — a Pty Ltd company acting as trustee of a discretionary, unit, hybrid or fixed trust.
- —Partnerships — including partnerships of companies.
- —Incorporated associations and other body-corporate borrowers — case-by-case.
The common thread: the borrower is a body corporate, not a natural person.
Why we only arrange loans to entities
Under section 5(1) of the National Credit Code, consumer credit regulation only applies where the debtor is a natural person or strata corporation. When credit is provided to a Pty Ltd company or other body corporate, the National Credit Code does not apply at all. That means:
- —The relevant funder does not need an Australian Credit Licence to provide the loan.
- —We, as broker/arranger, do not engage in NCCP-regulated credit activities when arranging it.
- —The loan is governed by the general law of contract, mortgage law, and the terms of the loan agreement — not by the consumer credit framework.
- —Settlement is faster because the funder is not subject to the responsible-lending and pre-contractual disclosure regime designed for consumers.
This is a long-established and routine structure for non-bank commercial lending in Australia.
Who we cannot help
- —Individuals in their personal capacity. Even if the purpose is investment, we cannot arrange a loan for a natural person. Please contact a licensed credit provider.
- —Owner-occupier home buyers. We do not arrange loans on owner-occupied residential property under any circumstances.
- —Borrowers whose stated business purpose looks like a workaround. Section 13(3) of the National Credit Code is an anti-avoidance provision — if the structure looks designed to dress up a consumer loan as a business loan, the Code applies anyway. We will not arrange loans where that risk is present.
The Business Purpose Declaration
Every borrower signs a Business Purpose Declaration before drawdown. It confirms that the credit is to be applied wholly or predominantly for business or investment purposes, and that no part of the funds will be used for personal, domestic or household purposes.
More on the Business Purpose Declaration →
Frequently asked questions
- Can an individual get a business-purpose loan through you?
- No. We only arrange loans to entities (Pty Ltd, corporate trustee, partnership). If you are a natural person, even for investment purposes, please contact a licensed credit provider.
- Do I need a Business Purpose Declaration?
- Yes. Every loan we arrange requires the borrower to sign a Business Purpose Declaration before drawdown.
- What is outside the NCCP Act?
- Loans to body corporate borrowers (not natural persons) for business or investment purposes sit outside the National Consumer Credit Protection Act 2009.