Business acquisition
Purchase a business, buy into an existing operation or complete a time-sensitive acquisition.
Commercial Private Lending
Use property equity to move when opportunity will not wait.
Flexible, property-secured funding for Australian businesses. Eligible facilities may be structured for up to two years with no scheduled repayments.
Commercial purposes only. Subject to lender approval, valuation, eligibility, fees, interest and loan terms.
Flexible repayment structure
Up to two years with no scheduled repayments
For eligible applications, interest and approved costs may be capitalised into the facility so there are no scheduled monthly repayments during the agreed term. The total balance remains repayable at exit.
- First and second mortgage options
- Short-term and bridging structures
- Commercial-purpose funding only
- Clear, credible exit strategy required
What private lending can fund
Commercial funding for real-world business scenarios.
Private lending can be useful when timing, property equity and the proposed exit matter more than a standard bank process.
Venue purchase
Acquire a hotel, pub, club, restaurant, motel or other hospitality venue before the opportunity moves on.
Expansion and refurbishment
Fund fit-outs, renovations, additional premises, new locations or upgrades that support business growth.
Construction mobilisation
Back labour, materials, subcontractors and early project costs before progress payments are received.
Vehicles and equipment
Purchase trucks, trailers, earthmoving machinery, plant, tools or other productive business assets.
Working capital
Support payroll, suppliers, inventory, operating costs and growth while cash flow catches up.
ATO and business debt
Consolidate or refinance eligible commercial debts and create time to implement a sustainable plan.
Commercial property
Purchase, refinance or bridge commercial premises, development sites and investment property used for business purposes.
Settlement bridging
Bridge a timing gap between a purchase, refinance, asset sale, property sale or incoming settlement.
Maturing loan refinance
Refinance an approaching expiry while arranging a longer-term facility, sale or project completion.
Stock and inventory
Secure inventory, supplier orders or seasonal stock when conventional limits are unavailable or too slow.
Partner or shareholder exit
Fund a commercial ownership restructure, shareholder buyout or business-related spouse settlement.
Development and completion
Support approved project costs, completion funding, presale timing or a transition to residual stock finance.
Urgent commercial opportunity
Act on a contract, distressed purchase, supplier discount or other opportunity with a defined business purpose.
Professional practice growth
Fund practice acquisitions, fit-outs, technology, recruitment or working capital for established operators.
How it works
Tell us what you need. We’ll go to work for you.
Tell us the opportunity or situation
Let us know what is happening and what you want to achieve.
How much do you need?
Tell us the approximate amount of funding required.
How soon do you need it?
Share your deadline so we understand how quickly you need to move.
We’ll go to work for you
We’ll assess the situation and identify suitable private lending options.
Funds can be provided in as little as 72 hours.*
*Conditions apply. Timing is subject to lender approval, valuation, satisfactory documentation, legal requirements and all funding conditions being met. No settlement timeframe is guaranteed.
Private lending FAQs
Exit strategies, repayments and assessment.
What is an exit strategy in private lending?
An exit strategy is the credible plan for repaying the private loan at or before the end of its term. It should identify the repayment source, expected timing and evidence supporting the plan.
What exit strategies may be considered?
Common exits include refinancing to a bank or non-bank lender, selling the secured property, selling another asset or business, completing and selling a development, receiving a documented settlement, or using a confirmed capital injection. Suitability depends on the transaction and lender.
What makes an exit strategy credible?
A credible exit is specific, achievable within the proposed term and supported by evidence. Examples include a realistic sales appraisal, refinance servicing position, executed contract, project program, presales or documented incoming funds.
Can I refinance into a long-term loan as the exit?
Potentially. The assessment will consider whether the business is likely to meet the future lender’s servicing, credit, valuation and documentation requirements by the proposed refinance date.
How can there be no scheduled repayments for up to two years?
Some eligible facilities allow interest and approved costs to be capitalised into the loan rather than paid monthly. Interest continues to accrue and the full balance must be repaid at exit. Availability and maximum term are subject to lender approval and sufficient equity.
Is private lending available for personal or consumer purposes?
No. AALS presents private lending enquiries for commercial or business purposes only.
What property can support a private loan?
Depending on the lender and transaction, security may include residential, commercial, industrial, rural or development property owned by the business, directors or guarantors.
Are first and second mortgages available?
Both may be considered. A second mortgage requires assessment of the existing first mortgage, available equity, lender consent requirements, total secured debt and exit strategy.
How quickly can private lending settle?
We work fast and can prioritise urgent commercial opportunities. Turnaround depends heavily on how quickly complete information and paperwork can be provided, as well as the complexity of the transaction, valuation, legal work, lender approval and funding conditions. No settlement timeframe is guaranteed.
Do I need full financial statements?
Not every scenario is assessed in the same way. Some lenders can consider applications using property equity, the commercial purpose and exit strategy, but supporting financial and transaction information may still be required.
What costs should I expect?
Costs can include interest, lender establishment fees, valuation, legal fees, brokerage and other transaction expenses. All applicable costs and terms should be reviewed before accepting an offer.
What happens if the exit is delayed?
Contact the lender and AALS early. An extension or refinance may be considered but is not guaranteed, and additional interest, fees or default terms may apply.
Private Lending Enquiry
Tell us what you need.
This is an enquiry only—not a loan application, offer or approval. John will contact you to discuss potential commercial funding options.