Private lenders for private lending when banks say no.
Access Australia's private lending market: fast, flexible first and second mortgage private loans for bridging, settlement rescue, business cash flow and development capital.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
Private lending solves problems banks cannot: timing, complexity, story. Private lenders price for speed and flexibility, so private loans cost more than a bank loan. eCapital Funding maintains active relationships with private lenders, funds and family offices across Australia. We package the deal, negotiate the terms with the right private lender, and make sure the exit strategy is sound before we recommend a private lending path.
Why borrowers choose eCapital Funding
Speed
Straightforward files can settle in as little as one week.
Flexibility
Complex security, non standard income and time critical purchases all considered.
Exit discipline
We only recommend private funding when there is a credible exit inside the loan term.
Who this suits
- Buyers needing to settle before selling the outgoing property
- Developers requiring residual stock or GST funding
- Business owners with a short term cash flow need against property
- Borrowers declined by banks who have equity and a plan
- SMSF trustees with time critical acquisitions
Our strategy process
- STEP 1
Deal & exit
The purpose, the security, and the exit strategy.
- STEP 2
Term sheet
Indicative terms from 1–3 private lenders matched to the deal.
- STEP 3
Legals & valuation
Solicitor engagement and valuation coordinated inside a compressed timeline.
- STEP 4
Settlement
Funds advanced, exit tracked, and refinance path activated when appropriate.
Frequently asked questions
What is private funding?
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Private funding is short to medium term lending sourced from non bank private lenders, funds and family offices. It is used when banks decline, when timing is critical, or when the security or story is outside standard bank policy.
How fast can private funding settle?
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Simple first mortgage private loans on clean residential security can settle in 5–10 business days. Complex or unusual security may take 2–4 weeks. Bank refinance timelines are always slower by comparison.
How much does private funding cost?
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Interest rates typically range from 8% to 14% p.a. depending on LVR, security type and borrower profile. There are also establishment fees and legals. Private funding is more expensive than a bank loan; it is priced for speed and flexibility, not for long term hold.
What LVR does private funding go to?
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Typically up to 65% LVR on first mortgage over residential or commercial security. Second mortgages and caveat loans are available on a case by case basis at lower LVR bands.
Is private funding regulated?
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Regulated depending on the purpose. Consumer purpose private loans fall under the National Consumer Credit Protection Act. Business, investment and property development purpose loans are typically unregulated but still governed by contract law and any applicable state legislation.
Explore related lending
If the bank said no or the clock is ticking, private funding may be the bridge. Let us evaluate.
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