Business loans when credit history is against you.
Banks treat a credit file as a gate. Private credit treats it as context. Envision Private arranges property-secured business facilities on behalf of wholesale and sophisticated investors, and the decision rests on the value and quality of the security, the loan-to-value ratio and the strength of the repayment exit. A default listing, a payment plan in arrears or a recent judgment will affect pricing and LVR, but it is rarely the reason a well-secured deal cannot proceed. All facilities are business or investment purpose only, and we are not an NCCP-regulated lender.
When it makes sense
- Paid or unpaid defaults on the company or director file
- ATO debt, payment plans in arrears, or garnishee notices
- Arrears on an existing commercial or investment facility
- A bank facility called in or not renewed at term
- Judgments, writs or a recent adverse credit event
- Post-insolvency restructure with property equity available
Indicative loan parameters
| Credit assessment | Context, not a pass/fail gate — security and exit lead |
| Loan size | $250,000 – $20,000,000+ |
| Security | 1st or 2nd mortgage, or caveat, over Australian property |
| LVR | Typically lower than a clean-file deal; asset dependent |
| Term | 1 – 24 months, business and investment purpose only |
| Interest | Commonly prepaid or capitalised, so no monthly outgoing |
How the process works
- Full disclosure up front — defaults, ATO position and arrears — surprises kill deals, disclosed issues rarely do.
- Security and exit — we value the equity and test how the facility is repaid.
- Indicative terms — written IOI with pricing and conditions in 24 hours.
- Settlement — security registered, payouts made directly where required.