Private lending can provide a faster and more flexible finance solution when traditional bank lending may not suit the transaction, timeframe or borrower’s circumstances.
At Kesh Finance Solutions, we help business owners, property investors and developers explore private lending options for purposes such as bridging finance, property acquisition, refinancing, business funding and property development. We assess the transaction, security, timeframe and exit strategy, then explore suitable options across our private lending network.
Private lending is generally provided by non-bank and private lenders and can offer greater flexibility around transaction structure, security and timeframes than traditional bank finance.
These loans are commonly secured by property and may be used for purposes such as bridging finance, property acquisition, refinancing, business funding and property development. Lending criteria, loan terms, costs and exit requirements vary between lenders and transactions.
Private lending can provide greater speed and flexibility for borrowers who need finance outside standard bank timeframes or lending criteria. Depending on the transaction and lender, it may offer the following benefits:
Private lenders may be able to assess and settle transactions faster than traditional banks, depending on the scenario.
Loan terms and structures can often be tailored around the transaction, security, timeframe and exit strategy.
Private lenders may consider transactions that do not fit standard bank lending criteria, subject to security and overall circumstances.
Options may include bridging finance, caveat loans, second mortgages and other short-term property-backed lending.
Note: Private lending is subject to lender assessment, eligibility criteria, acceptable security and loan purpose. Rates, fees, loan terms and available structures vary between lenders and individual transactions.
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We explore suitable options across our private lending network based on your loan purpose, security, timeframe and exit strategy.
We assess the overall transaction and help identify lending structures suited to your funding requirements and circumstances.
We help coordinate the application, valuation, lender requirements and documentation to keep the transaction moving towards settlement.
We help you understand the proposed loan structure, interest, fees, loan term and exit requirements before proceeding.
We discuss your loan purpose, funding amount, security, timeframe and proposed exit strategy to understand the transaction.
We assess suitable private lending options and structures based on the transaction, security and funding requirements.
We help coordinate the application, valuation, lender requirements and documentation through to settlement.
We consider the proposed exit strategy from the outset, whether through refinance, property sale, project completion or another suitable repayment strategy.
Private lending may be suitable when you need a faster or more flexible finance solution than traditional bank lending can provide. This may include property acquisitions, bridging finance, refinancing, business funding, development projects or other time-sensitive transactions. We can assess your circumstances and help determine whether private lending may be appropriate for your transaction.
Private lenders can often assess transactions more quickly than traditional banks. Actual approval and settlement timeframes depend on factors such as the lender, security, valuation, legal documentation and complexity of the transaction. If your funding requirement is time-sensitive, we can assess which lenders may be able to work within your required timeframe.
Available loan amounts and LVRs vary between private lenders and depend on factors such as the property offered as security, its location and type, the loan purpose and the overall transaction. Private lending can range from smaller short-term facilities to multi-million-dollar transactions. We can assess your security and funding requirement to identify suitable options.
Private lending is commonly secured by residential, commercial, industrial or development property. The type and location of the security, available equity and proposed loan structure can affect which lenders may consider the transaction. First mortgage, second mortgage and other property-backed structures may be available depending on the circumstances.
Private lending generally carries higher interest rates and fees than standard bank finance because it is typically designed for shorter-term, more flexible or time-sensitive transactions. Pricing varies between lenders and transactions and can be influenced by factors such as the security, LVR, loan term, loan purpose and exit strategy. We can explain the applicable interest, fees and loan terms before you decide whether to proceed.
An exit strategy explains how the private loan is expected to be repaid at the end of the loan term. Depending on the transaction, this may include refinancing to another lender, selling a property, completing and selling a development, or another acceptable repayment strategy. A clear and realistic exit strategy is an important part of many private lending applications and should be considered from the outset.
Whether you need funding for a time-sensitive property transaction, bridging finance, business funding or a more complex lending scenario, we can assess your requirements and explore suitable private lending options.