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Compare specialist and private finance

Specialist and private lenders fund scenarios that do not fit mainstream credit policy: tight deadlines, complex structures, recent credit events or unusual security. They are usually more flexible on documents and faster to settle.

11 products from 5 lenders ยท Last checked 24 Sept 2026

Builder working on the timber frame of a new building

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Tell us about your business and we will match you with specialist & private finance lenders likely to approve you.

11 products from 5 lenders

Specialist & Private Finance products

Bizcap Bridging Finance

Property-secured bridging finance from $150K to $7.5M for business owners who own property and have a clear exit strategy.

Amount
$150K to $7.5M
Term
Not published
Security
Property-secured
Rate
Quoted on application
Repayments
Daily, Weekly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Bizcap Bridging Finance

HomeSec Business Finance First Mortgage Business Loan

First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rate
Quoted on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for HomeSec Business Finance First Mortgage Business Loan

HomeSec Business Finance Second Mortgage Business Loan

Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rate
Quoted on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for HomeSec Business Finance Second Mortgage Business Loan
Via broker

Judo Bank Bridging Finance

Short-term loan from $250K, typically up to 12 months, for commercial property purchase or refinance, pre-development funding or residual stock.

Amount
From $250K
Term
Up to 1 yr
Security
Not published
Rate
Base rate plus margin
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Judo Bank Bridging Finance
Via broker

Thinktank Private Commercial Loan

Short-term private loan from 3 months to 3 years secured by commercial property, up to $7.5M, for business or investment purposes with a clear exit.

Amount
$100K to $7.5M
Term
3 mths to 3 yrs
Security
Property-secured
Rate
Available through accredited brokers
Max LVR
Up to 75%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Private Commercial Loan
Via broker

Thinktank Private Residential Loan

Short-term private loan from 3 months to 3 years secured by residential property, up to $7.5M, for business or investment purposes with a clear exit.

Amount
$100K to $7.5M
Term
3 mths to 3 yrs
Security
Property-secured
Rate
Available through accredited brokers
Max LVR
Up to 75%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Private Residential Loan
Via broker

Thinktank Residual Stock Loan

Short-term private loan for property developers secured by unsold completed residential or commercial stock.

Amount
Not published
Term
Up to 3 yrs
Security
Property-secured
Rate
Available through accredited brokers
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Residual Stock Loan

How specialist & private finance works

The trade-off is cost and term. Private finance is typically short-term and priced for risk, so it works best as a bridge to a clear exit.

Private lenders assess the security and the exit strategy first. Common structures include caveat loans, second mortgages and bridging loans that settle quickly and are repaid by refinance or sale.

Who it suits

  • Settlements needed within days
  • Bridging a property purchase or sale
  • Businesses declined by mainstream lenders

What lenders look at

  • Security value and equity
  • Exit strategy and timeline
  • Purpose of funds

Things to watch

  • Read default interest and fee clauses carefully.
  • Plan your exit before you settle.

Specialist & Private Finance: common questions

What is a caveat loan?

A caveat loan is a short-term loan where the lender lodges a caveat on the title of a property as security. It can settle quickly but usually costs more than a registered mortgage.

Related finance types

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Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.

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