Private Lenders

Funding is among the top online private lenders in Australia, offering tailored loan options for individuals and businesses! Get a no-obligation quote to start.

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Build a bridge with our funding solutions

Bridging Loans

Short term loan secured against your existing property as a financial bridge

  • Buying and selling your property
  • Urgent settlements
  • Cash out / equity release
  • Upsizing and downsizing
  • Personal loan

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Business Loans

Access capital for your business when you need it or purchase a business or property

  • Investment / business purposes
  • Share purchases
  • Business cash flow / debt consolidation
  • Companies / individual borrowers

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Building Loans

Flexible and fast building loans to complete an incomplete development or building

  • Development / construction finance
  • Renovations / incomplete construction
  • Land bank and residual stock
  • New builds / owner builders

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Private Lenders

Imagine this: it’s been weeks since you submitted your loan application, but you still haven’t heard back from your bank. Finally, they reach out to you, but instead of releasing your loan, they ask you to comply with even more stringent and complicated requirements. This can be a nightmare for any person or business who’s racing against time to grab crucial opportunities for their families or companies. 

Thankfully, most private lenders are different; their process is simpler, faster, and more customised to your needs. 

If private lenders in Australia are what you seek, then look no further than Funding! Our process is entirely online and backed by our innovative technology, enabling quicker and more precise loan processing. 

Considering working with online private lenders for personal loans? Our discussion below might provide you with insightful information to help with your decision-making. 


What does a private lender do?

Like other lending institutions, private lenders lend money to individuals and businesses for a variety of purposes. However, unlike traditional lenders, they typically take a more customised and tailored approach to lending. A private lender can be a person or a company and can also operate online or in-person through a physical location. 

Whatever your purpose for getting a loan is, Funding can help. Anyone holding sound real estate equity over vacant land, residential property, or commercial property can apply for loans, such as a bridging loan or home equity loan, from Funding. We don’t do ‘one-size-fits-all’ deals – you can submit your unique loan scenario on our platform, and our team will match you with the most suitable loan option for you. 


How do I find legitimate private lenders online?

Even when you’re in a hurry to grab opportunities for yourself or your business, don’t just trust any business or personal private lenders you find online. Doing due diligence can help you spot scams and disreputable companies and point you towards trustworthy and legitimate lenders.

Check the private lender’s registration with regulatory agencies. You can also search if your lender has good reviews from previous clients or if they have a history of successful transactions. Finally, you can check if the loan company guarantees security over the information you provide them.

Funding is registered with the Australian Securities and Investments Commission (ASIC) with an Australian Credit Licence (#483665). We have funded numerous loans since we started in 2015, and we have helped countless borrowers of all kinds. On top of that, we leverage bank-level encryption and security to ensure that your personal and financial information is safe with us. 


What financing options can a private lender offer?

Financing options can vary from lender to lender. Some may offer short-term loans, while others exclusively offer long-term mortgages. Some companies may not require collateral, while some require security in the form of assets. 

When choosing which private lenders to work with, consider first whether they offer the right financing solution for your needs. It’s important to choose a lender that is upfront about their offers and pricing from the get-go so you can ensure you’re getting a fair deal. 

Funding offers a suite of financing options, including commercial property loans, caveat loans, and more. For example, if you need funds for construction or home improvements, you may consider applying for our renovation loans. On the other hand, if you are a business owner who requires financing for the purchase of new equipment, our short-term business loans may be suitable for your needs. If you have an eligible asset such as real estate, then our short-term property loans can help you secure funding.

On our platform, you simply have to submit your unique loan scenario to receive same-day conditional approval and a detailed outline of your applicable rates and fees. A Funding representative will guide you through the next steps in the process until your loan is formally approved. You can even receive settlement within three to five days – not weeks.

Although nearly everything is online nowadays, we understand the importance of still having a real person to talk to when you encounter issues or concerns, especially when it comes to loans. You can rest assured that you can always talk to a dedicated Funding customer support staff member online or via phone call in case you have questions related to Funding loans. 


Funding – Australia’s leading mortgage marketplace

Funding offers solutions for those looking for reliable private lenders in Australia. To start your loan application with us, submit the following information:

  • Basic personal information (name, email, phone number)
  • Loan details (purpose of the loan, loan principal, loan repayment terms)
  • Property information

As part of the application process, you will have the option to upload additional documents that may help you get your loan approved. Be sure to check your loan application carefully before clicking the submit button, as errors could lead to your approval being delayed.

If you have any questions about our loan offers or our loan application process, contact us by emailing or calling us at 1300 44 33 19.

Getting your personalised quote at Funding is fast and obligation-free – don’t hesitate to request yours today!

How to get started


Get started

Forget slow and frustrating banks. We put you in the fast lane. Get started now or call 1300 44 33 19.


Get approved

Same day approval. Yes, you read that right. Conditional approval provided the day you submit.


Formal approval

Conditional approval becomes formal approval once due diligence is completed and you sign your loan documents.



Not months. Not even weeks. Just days and in as little as 48 hours settlement can be arranged.

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Don’t take our word for it.

“Funding organised a bridging loan for my client in less than a week!! No other lender could have done this and you saved my clients deposit being lost. Great result.”

Scott Vine


“We approached Funding several months back as an alternative to our normal banks, and dealt with John from day one. From the start, the transparency was there, we knew pretty much at every point what was happening…..”



“Amazing Service! We were able to turn around a deal in 2 days so the client could settle on their dream home. Nathan worked tirelessly to get this across the line and make it a smooth experience for myself and my client. Highly Recommended.”

Sandy Kelso


“The team at Funding have been great to work with. The funds have been made available quickly and without fuss. We are about to start another project and will happily use Funding again”

Kerin Friswell


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