Private Lender in Adelaide

Yes, if you start now. We give a decision within hours of receiving the payout figure and property details, and settlement can follow within 24 hours of the letter of offer being signed. Our loan must fit inside 70% of the warehouse property's value. Ask the lender for a written payout figure to a date well inside the 45 days, and send it to us with the lender's letter and your plan for repaying us, such as a bank refinance or a sale. Ask your solicitor to confirm the exact date the 45 days end.

• →Refinancing a lender before it appoints a receiver

Yes, though on these figures the factory alone falls short. If it is worth $2,400,000 with $600,000 owing, the limit of $1,680,000 leaves up to $1,080,000, so a director's home or another property would need to be added as security to reach $1,200,000. The security is the factory property, never the subcontract or the milestone claim. The loan is repaid when the milestone payment arrives, and we set the term to finish after that date with time to spare.

• →Manufacturing industry finance

A bridging loan can cover it, secured by the warehouse property you are buying and, if needed, a home. We lend up to 70% of the lower of our valuation and the price on the warehouse, so on $1,800,000 that is up to $1,260,000, and a second mortgage over a home worth $1,300,000 with $300,000 owing has room for up to $610,000 towards the rest and your costs. The loan is repaid from the sale proceeds when that sale settles. Send us both contracts so we can set the term to finish after the later date.

• →Bridging loans

No. A tax debt listing on its own is not a reason we decline. We assess the property offered as security and how the loan will be repaid. If the company borrows to pay the ATO, the loan funds are paid to the company, which pays the debt in full. Ask your accountant how and when the listing is updated once the debt is paid.

• →How a tax debt affects your credit score

Up to about $580,000, so $520,000 fits. Our limit is 70% of the value across both mortgages, which is $980,000 on a $1,400,000 house, less the $400,000 already owing. The company is the borrower and your house secures the loan, with second mortgage rates from 11.95% p.a. The loan funds are paid to the company, which pays the ATO, and one loan can cover both the goods and services tax and the income tax debt.

• →ATO tax debt loans

Not on its own. Our own valuer values the site as it stands, and any contamination is part of that valuation, so it can reduce the figure we lend against rather than rule the site out. Send us any environmental reports and the site's current use with your enquiry. The loan can be up to 70% of our valuation, including any mortgage already on the site.

• →Contaminated site loans

The security is the freehold property, and a freehold childcare centre can be valued on a going-concern basis. The security is still the freehold property, never the licence or the business itself. We lend up to 70% of the lower of our valuation and the price, and the loan is repaid when the bank completes its approval and refinances it. We can pay the funds within 24 hours of the signed letter of offer.

• →Childcare centre loans

We need to learn your scenario further, and the solvency question should be answered first. If a company pays the ATO while it is insolvent, a liquidator appointed later can recover that payment as an unfair preference. Ask your accountant to finish the solvency review before the company signs anything, and ask your solicitor about your own position as a director. Then send us the result with the property details.

They can reduce the valuation, but they do not change our 70% limit. Our own valuer values the building as it stands, vacancies included, and we lend up to 70% of that figure, including any mortgage already on it. If the building is valued at $3,000,000 with $1,000,000 owing, there is room for up to $1,100,000. Send us the current leases and any signed agreements with new tenants with your enquiry.

• →Retail industry finance

We need four things: the address of each property, the amount and what it will pay for, how and when the loan will be repaid, and the balance owing on any mortgage over the properties. With those, we aim to give an indicative offer the day you send them. The formal approval follows our own valuation of the properties. The loan funds are paid to your client's company, which pays the ATO, so discuss solvency with your client before the company borrows.

• →Working with brokers and advisers

Either can secure it, and the choice is yours. With no existing mortgage on either, ours would be a first mortgage either way, with rates from 9.7% p.a., and we confirm the rate on your loan once we have assessed it. Using the factory keeps the home out of the loan, and you can offer both if the amount needs more than one property. The loan can be up to 70% of the value of the property or properties offered.

• →First mortgage loans

Yes. Since Payday Super began on 1 July 2026, super has to reach the fund within 7 business days of payday, or it becomes a Superannuation Guarantee Charge owed to the ATO. For Adelaide employers we provide property-secured payday super finance to pay super on time, or to clear a charge that has already been assessed.

Often, yes. Plenty of Adelaide borrowers reach us after a bank has gone quiet or said no, usually because their income is seasonal, self-employed, or held through a company or trust. We assess the property you can offer as security and your plan to repay, not a serviceability score, so a deal a bank would not touch is frequently a straightforward yes for us, and a clean file can settle within 24 hours.

Rates start from 9.7% p.a. and are priced to the term, the security, and the risk of the individual deal. Every cost, including any establishment fee, is set out in the letter of offer before you commit, with nothing hidden.

We lend to a maximum of 70% of value on residential and commercial security around Adelaide. Loans start from $250,000, with larger loans assessed case by case, over 1 to 24 months. Vacant land, development sites, and second mortgages are assessed on their own merits, and our own valuers set the figure against current Adelaide evidence.

Yes. Industrial property through the northern suburbs, commercial property in the regional centres, and warehouse or office holdings around the defence and technology precincts are all security we assess. Clean title, current value, and LVR, usually to 70%, decide it, not the postcode. Income that arrives on a contract milestone rather than in twelve even instalments is no obstacle when the asset and the exit are sound.

On a clean file we can give you a yes or no within hours, issue a letter of offer, value the security, and settle within 24 hours. Speed comes from lending our own funds, so there is no outside credit committee between you and settlement in Adelaide.

No. We lend for business purposes only, to companies, not to individuals, and never for personal home loans or consumer credit. The loan must be for a genuine business purpose and secured by property.

Yes. We are a private mortgage lender taking a first or second registered mortgage over Adelaide property, for business purposes only. We fund private mortgages from $250,000 from our own capital, and a clean file can settle within 24 hours.

Yes. Adelaide is one part of a national book. Our Private Lender Australia overview maps our full reach, and we keep dedicated guides for Perth and Melbourne.

No, and it is worth separating the two. Failing serviceability means the model could not see enough regular income, which is common for self-employed and seasonal businesses. Bad credit means something is listed against you. We fund both, because neither is the test we apply. The equity in the Adelaide security property and the exit are.

Yes. We have separate pages for ATO debt, a director penalty notice and GST on a commercial property purchase.

• →short term urgent loans