Private loans in Australia, arranged deal by deal.
A private loan is credit funded by private capital rather than by a bank deposit book. In Australia that capital comes from wholesale investors, sophisticated investors, family offices and private credit funds, and it is almost always secured by real property. Envision Private acts as the private broker in that market: we take a deal snapshot, match it to the investor mandate that fits, and arrange the facility. We are not an NCCP-regulated lender and we arrange business and investment purpose loans only, on behalf of investors.
When it makes sense
- A settlement, auction or contract date a bank cannot meet
- Equity release from an owned property for a business purpose
- Tax, ATO or creditor pressure that needs resolving quickly
- Financials that are unlodged, complex or trust-structured
- Refinancing a facility at expiry while a sale or bank approval completes
- Funding a development, subdivision or works program in stages
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| Security | Australian residential, commercial, industrial, retail or land |
| Ranking | 1st mortgage, 2nd mortgage or caveat |
| LVR | Up to ~75% of value depending on asset and ranking |
| Term | 1 – 24 months, business and investment purpose only |
| Speed | Indicative terms in 24 hours; settlement from 48–72 hours |
How the process works
- Deal snapshot — amount, security, purpose, timing and exit.
- Mandate match — we approach the investors whose mandate fits the deal.
- Indicative terms — written pricing and conditions within 24 hours.
- Valuation and legals — independent valuation and security documentation.
- Settlement — security registered and funds advanced.