Private Funding Options

Private Lending Solutions in Australia

At Vita Finance, we understand that traditional bank lending isn't always the right fit for every borrower. Whether you're a business owner facing tight deadlines, a developer needing quick access to capital, or simply someone who doesn’t meet standard bank criteria, private lending can offer a fast, flexible alternative.

Key Features of Private Funding

  • Lower LVR (Loan-to-Value Ratios)

    Typically limited to 65–75% to protect the lender.

  • Higher Interest Rates

    Reflecting the increased risk and faster turnaround times.

  • Flexible Lending Criteria

    Focused more on the asset and exit strategy than the borrower’s income or credit file.

  • Quick Turnaround

    Some deals settle in as little as 48 hours.

  • Private lending involves borrowing money from non-bank lenders—often individuals or private institutions—secured by real property, typically through a first or second mortgage. Unlike traditional loans, private loans are usually short-term (6–36 months) and designed to solve urgent funding needs with a clear exit strategy.

  • Private lending is popular among borrowers who:

    • Need fast access to funds and can’t wait weeks or months for bank approvals.

    • Have non-traditional income sources or complex financials.

    • Want to avoid unnecessary red tape involved with mainstream lenders.

    • Take a commonsense approach to your project, with certainty.

    • Are working on a project or development that requires interim capital.

    • Bridging finance

    • Property development or subdivision funding

    • Business cash flow needs

    • Paying tax debts

    • Settling urgent property purchases

    • Refinancing existing loans nearing expiry

  • Private lending isn’t for everyone—it’s more expensive than traditional lending and best suited to borrowers who understand the trade-off between speed and cost. That’s why working with a broker who understands the landscape is critical.

At Vita Finance, we have strong relationships with reputable private lenders across Australia and deep experience structuring these deals. We’ll help you:

Assess whether private lending suits your goal.

Understand the costs, risks, and benefits.

Secure competitive terms that match your timeframe and exit strategy.

Speak to a Private Lending Specialist

If you're looking for short-term funding, fast approvals, and a lender who understands complex scenarios, private lending could be your solution.

Book a free consultation with the team at Vita Finance today to explore your options

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