Some sound deals don’t fit a bank’s checklist: the financials are behind or there’s a tax debt to clear first. Specialist lending looks at the equity, the purpose and how the loan will be repaid.
All specialist loans we arrange are for business purposes only.
“James arranged our warehouse business loan and provided fantastic service throughout the entire process. He was professional, responsive and made everything simple and stress-free. Highly recommended!”
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“James was great to deal with made the whole process very simple I highly recommend him.”
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“James was awesome to deal with, he makes the finance process so easy I would recommend him to anyone in small business as he truly takes the stress out of finance”
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When speed or certainty matters, when bank criteria can’t be met yet, or when there’s equity available but cash flow is tight. In every case there should be a clear plan to repay.
Expect a higher interest rate, establishment fees and usually a shorter term than a bank facility. We set out every cost before you commit, so you can judge whether the outcome justifies it.
Every specialist facility needs a planned way out, such as refinancing to a bank once financials are up to date, selling an asset, or business cash flow. Lenders look at this closely, and so do we.
Often, yes. A second mortgage sits behind your current lender, so your existing loan and its rate stay as they are. Your first lender usually needs to consent. Where it won’t, some lenders will take a caveat instead.
Yes. Clearing tax debt with a property-backed loan is a common use. It gives you time to bring lodgements up to date before refinancing to standard finance.
No. The specialist loans we arrange, including private lending, are for business purposes only, and we don’t arrange regulated consumer private loans. You’ll be asked to sign a declaration confirming the funds are for a business purpose.
Tell us what you’re looking to fund and we’ll come back to you to talk it through. Nothing is lodged with a lender without your agreement.
