Fast Non-Bank Commercial Finance

Yes. A refinance with a non-bank lender is a plan the bank can check: a written offer, the amount, the property securing the loan and a settlement date. We give a decision within hours and issue a letter of offer once terms are agreed, so you can show the bank a written offer well inside the 60 days. Send us the bank's letter, the current balance and the property details. Our loan, from 9.7% p.a. on a first mortgage, repays the bank in full at settlement, within 70% of the property's value.

• →Refinancing a lender before it appoints a receiver

It can. Our in-house valuation team assesses the commercial property itself, and a vacancy is reflected in the assessed value rather than treated as a reason to stop. The loan has to sit inside 70% of that assessed value, and it needs a defined exit, such as leasing the space and refinancing to a bank, or a sale. Come to us before the bank facility expires, so the term you need is still available to you.

• →refinance business loans

Yes, where the property has the equity. One option is a first mortgage that refinances the whole bank facility. The other is a second mortgage behind the bank for the $500,000, and your bank's facility terms decide whether that needs the bank's consent. Either way, the total of all mortgages has to sit inside 70% of the assessed value of the commercial property, and the loan is paid to the business, which makes the reduction. Send us the bank's letter and the 60 day date.

Yes. A first mortgage over the industrial property you are buying can settle the purchase, with the bank refinance as the exit once it is approved. At $3,000,000, 70% is $2,100,000, so the remaining $900,000 and the purchase costs come from your own funds or from another property added as security. Send the contract, the settlement date and where the bank application is up to.

• →urgent industrial property purchase

It depends on how the new loan is secured and on your bank's facility terms. A second mortgage or a caveat is recorded on the title, so a title search shows it, and many bank facility agreements require you to disclose new borrowing or to obtain the bank's consent first. Have your solicitor read your facility agreement before you choose. Either way, the loan funds are paid to the business, which then pays the ATO.

Yes. A short loan secured by the commercial property and repaid when the bank refinance settles is a standard use of non-bank finance. The bank's written approval is the exit, and a term of 3 months covers an eight week settlement with some margin. If the current lender keeps its first mortgage until then, our loan would sit behind it as a second mortgage or a caveat, with the combined total inside 70% of assessed value.

Less, and different things. We need four things: what the loan is for, the property that secures it, the borrowing entity, and how the loan is repaid. On an asset-backed loan we do not run a bank serviceability model, so the focus is the equity in the commercial property inside 70% of its value and a dated exit, such as a sale contract or a refinance approval.

It can. Our in-house valuation team assesses unique and non-standard property, including specialised commercial and industrial buildings, and our maximum is 70% of the assessed value. A building with fewer likely buyers is valued with that in mind, so the amount depends on our assessed value of your building, not on a fixed percentage for the property type. Send the address, the size and any leases.

Yes. Our terms run from 1 to 24 months, so 18 months is within range, although most loans are written for 3 to 6 months. A longer term needs an exit that works at the end of it: what happens if the approval is granted, and what happens if it is not. Bring the council timeline and the sale or refinance plan for both outcomes.

• →urgent loans for land awaiting approval

It can. We lend across Australia, including regional areas where suitable property security exists, and the commercial property does not have to be in a capital city. A regional property with fewer comparable sales is valued with that in mind, which affects the amount available inside our 70% maximum. Send the address and the current leases so our in-house valuation team can start.

Yes. One loss-making year is not, on its own, a reason we decline. We look at the warehouse property, the equity inside 70% of its assessed value, and the exit. The exit is where the loss matters. If the plan is to return to a bank once trading improves, show us why the next set of accounts will support that, and have a sale of the property as the fallback.

Non-bank lenders don't rely on rigid credit scoring or long approval pipelines. Decisions are based on security, equity, loan purpose, timeline and exit strategy, which allows deals that banks can't or won't consider.

Yes. Non-bank lenders place more weight on asset strength than historical paperwork. If the property security and exit strategy stack up, past credit issues rarely block approval.

Pricing reflects speed, flexibility, and risk. Rates are usually higher than banks, but the trade-off is immediate access to capital when the timing is critical, or when banks can't meet the borrower's situation.

They're usually 1–24 months, designed to bridge a timing gap: refinancing, settlements, development milestones, or cash flow recovery. The aim is to solve the short-term problem, then exit back to a bank or liquidity event.

Yes. We regularly step in for urgent refinances, including expiring bank terms, default notices, arrears pressure, and forced-sale situations. We act fast to prevent borrowers from losing control of their assets.

Our loans are interest-only, often paid in advance or capitalised to reduce cash-flow pressure. This structure helps businesses stabilise operations without taking on large monthly commitments.

No. While headquartered in Barangaroo, Sydney, we fund borrowers across Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding metro and regional areas. We're a national non-bank commercial lender.

Our own credit team, in-house, lending our own funds. There is no external committee and no scorecard sitting between you and an answer. That is the practical difference on a file with credit issues: a person reads the whole position, including the parts a model would reject on sight, and can weigh strong property security against an untidy history.

We fund commercial and industrial purchases, development sites, business purchases and ATO deadlines, among others, each with its own documents and timing.

• →urgent short term lending