Private lenders, matched to the deal, not shopped to the market.
Australia's private lending network is fragmented. We know which private lenders say yes to what, and we go there first.
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.
Every private lender has a specific credit appetite: LVR band, asset class, borrower profile, exit type. Shopping a deal to every private lender in the country signals distress and burns credibility. eCapital Funding maintains active relationships with private mortgage funds, non-bank lenders and family offices across Australia, so we route your file to the two or three private lenders most likely to fund it, priced against each other, not against a single term sheet.
Why borrowers choose eCapital Funding
The right private lender
Matched by asset class, LVR band and exit, not by whoever picks up the phone.
Competitive pricing
We put private lenders in competition so the rate reflects the risk, not the broker relationship.
Exit-first thinking
We only introduce a private lender when a credible exit inside the term is on the table.
Who this suits
- Property buyers needing to settle before an outgoing sale
- Developers requiring residual stock, GST or mezzanine private lending
- Business owners raising short term capital against property
- Borrowers declined by banks with clear equity and a plan
- SMSF trustees on a time-critical acquisition
Our strategy process
- STEP 1
Deal & exit
Purpose, security, borrower story and the exit strategy that pays the private lender back.
- STEP 2
Lender match
Two or three private lenders whose credit policy fits, not a scattergun.
- STEP 3
Term sheets & legals
Competitive terms negotiated; solicitor and valuation engaged inside a compressed timeline.
- STEP 4
Settlement & exit
Private loan settled, exit tracked, and refinance to a mainstream lender activated when appropriate.
Frequently asked questions
Who are private lenders in Australia?
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Private lenders are non-bank funders, private mortgage funds, family offices and high net worth individuals, who lend against property or business assets when speed, complexity or story rules out a bank.
How do private lenders differ from banks?
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Private lenders assess deals on security, exit and commercial merit rather than servicing formulas. They settle faster, price higher, and tolerate stories banks will not. They are priced for a short hold, not a 30-year mortgage.
What do private lenders charge?
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Interest is typically 8%–14% p.a. depending on LVR, security and term, plus establishment and legal fees. eCapital Funding runs a competitive process so the private lender we recommend is priced against alternatives, not the first term sheet.
How do I find the right private lender?
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The Australian private lending market is fragmented and relationship driven. A specialist broker matches the deal to the private lender whose credit appetite fits, rather than shopping every private lender in the country and burning credibility.
Are private lenders regulated?
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Consumer-purpose private loans fall under the National Consumer Credit Protection Act. Business, investment and development-purpose private lending is typically unregulated but still governed by contract, ASIC and applicable state law.
Explore related lending
If you're comparing private lenders directly, stop. Let us route your file to the right one first.
Ready to talk it through? Let's find your way.
A confidential 30-minute chat with a senior adviser. No pressure, no obligation, no boilerplate, just a proper conversation about what you're trying to do.