Private Lending Solutions

Fast and Flexible Funding When Traditional Lenders Say No

Not every lending scenario fits neatly within bank policy.

Whether you're facing a time sensitive settlement, complex financial circumstances, credit impairment, development funding requirements or a unique property transaction, traditional lenders may not always be the right solution.

Private lending provides an alternative funding pathway where flexibility, speed and security strength often take priority over standard bank assessment criteria.

At LaiKin Finance, we maintain strong relationships with a broad range of private lenders across Australia, allowing us to assist clients with urgent and complex funding requirements.

Whether you need funding for a residential property, commercial asset, development project, business purpose or short term opportunity, we can help assess available options.

What is Private Lending?

Private lending involves funding provided by private investors, private lending funds and specialist non bank lenders rather than traditional banks.

Private lenders generally focus more heavily on:

  • Property security

  • Available equity

  • Exit strategy

  • Transaction viability

  • Timeframes

Rather than relying solely on traditional income verification and servicing assessments.

This can provide greater flexibility for borrowers who fall outside standard lending criteria.

Who Uses Private Lending?

Property Investors

Investors seeking fast funding for property opportunities.

Developers

Developers requiring land acquisition, construction or residual stock funding.

Business Owners

Borrowers needing short term working capital or business funding solutions.

Credit Impaired Borrowers

Clients who may not currently qualify for mainstream lending.

Bridging Finance Borrowers

Property owners requiring short term funding before selling or refinancing.

Urgent Settlement Scenarios

Purchasers needing funding within compressed timeframes.

Common Reasons Borrowers Use Private Lending

Urgent Property Settlements

When bank approval timeframes may not meet settlement requirements.

Development Funding

Projects that fall outside traditional bank policy.

Land Banking

Acquisition of future development sites.

Credit Challenges

Defaults, court judgements, tax debt or bankruptcy history.

Complex Structures

Trusts, companies and multi entity ownership arrangements.

Cash Flow Requirements

Short term funding requirements for businesses and investors.

Refinancing Existing Private Loans

Transitioning from one private facility to another while implementing a longer term strategy.

Types of Private Lending We Assist With

First Mortgage Lending

Private lenders secured by first registered mortgage.

Second Mortgage Lending

Additional funding secured behind an existing first mortgage.

Caveat Loans

Short term funding secured through caveat arrangements.

Development Finance

Private funding for residential and commercial development projects.

Residual Stock Finance

Funding for completed stock retained after development.

Bridging Finance

Short term property funding solutions.

Business Purpose Lending

Funding for business growth, acquisitions and working capital.

Why Private Lending is Different

Private lending generally focuses on:

Security Strength

What property is being offered as security?

Available Equity

How much equity exists within the security property?

Exit Strategy

How will the loan be repaid?

Time Sensitivity

How quickly does funding need to be arranged?

Transaction Viability

Does the overall transaction make commercial sense?

Many private lenders place less emphasis on traditional servicing calculations compared to mainstream lenders.

Common Exit Strategies

Private lending is generally designed as a short to medium term solution.

Common exit strategies include:

Property Sale

Sale of residential, commercial or development assets.

Refinance

Refinancing into a bank or non bank lender.

Development Completion

Repayment from project completion and settlement proceeds.

Business Asset Sale

Sale of business assets or investments.

Residual Stock Refinance

Transitioning completed developments into long term investment lending.

A clear exit strategy is often one of the most important aspects of a private lending application.

How Quickly Can Private Lending Be Arranged?

Timeframes vary depending on the transaction.

In some scenarios, funding may be arranged significantly faster than traditional bank lending because:

  • Assessment focuses on security

  • Fewer documentation requirements may apply

  • Valuation processes can be expedited

  • Decision making may be more streamlined

However, every transaction should be assessed individually.

Example Scenario

A developer in New South Wales identified a strategic development site but required funding within two weeks to meet a contractual settlement deadline.

Traditional bank funding was unlikely to be approved within the available timeframe.

After reviewing the property's value, available equity and exit strategy, we secured a private lending solution that allowed settlement to proceed.

The developer subsequently obtained longer term development funding and repaid the private facility.

Without the private funding solution, the opportunity would likely have been lost.

How LaiKin Finance Helps

Private lending is not simply about obtaining approval.

It is about ensuring the facility aligns with the borrower's objectives and exit strategy.

We help clients:

  • Assess funding requirements

  • Compare private lender options

  • Review security positions

  • Structure exit strategies

  • Negotiate lender terms

  • Coordinate settlement

Our extensive network of private lenders allows us to explore multiple funding options depending on the transaction.

LaiKin Finance provides finance solutions Australia wide. Learn more about the areas we service.

Useful Calculators

Before considering using private lending, we recommend using the following tools:

Development Finance Calculator

Assess project feasibility and funding requirements.

Home Loan Repayment Calculator

Understand how different loan amounts and interest rates may impact your repayments.

Stamp Duty Calculator

Calculate government charges and upfront costs associated with your purchase.

Current Market Rates

Compare indicative market rates and see where your current or proposed rate sits within the market.

Frequently Asked Questions

  • Private lending is funding provided by private lenders and specialist funding providers rather than traditional banks.

  • Yes.

    Private lending is a well established segment of the Australian lending market and is commonly used for property, development and business funding.

  • Timeframes vary depending on the transaction.

    Some private lending scenarios can be arranged significantly faster than traditional bank funding.

  • Not always.

    Many private lenders focus primarily on the security property and exit strategy.

    Requirements vary between lenders.

  • A caveat loan is a short term lending solution secured against property through a caveat rather than a traditional mortgage.

  • Potentially.

    Many private lenders consider borrowers with:

    • Defaults

    • Court judgements

    • Tax debt

    • Debt agreements

    • Bankruptcy history

    The strength of the security and exit strategy often plays a significant role.

  • Depending on the lender:

    • Residential property

    • Commercial property

    • Industrial property

    • Development sites

    • Vacant land

    • Rural property

    may be considered.

  • Funding depends on:

    • Property value

    • Available equity

    • Loan purpose

    • Exit strategy

    • Lender policy

  • Private lending typically reflects the greater flexibility, speed and risk profile associated with the transaction.

    Borrowers should consider both cost and the opportunity being funded.

  • Generally, private lending is designed as a short to medium term funding solution while a longer term strategy is implemented.