No Financials
No Tax Returns
No Proof of Income Needed
No Repayments For 12 Months
No Delays - 24 Hour Approval
Private lending eliminates the need to make repayments for up to 12 months by capitalising repayments into the loan. This means you can kick back, relax and focus on building your business with the extra cash flow during the loan term. Terms, fees, and conditions apply. Contact our call centre for specifics.
Fast Equity Access
Rapid Hard Money Lending
24 Hour Finance Approvals
Self-Employed Lo-Doc Loans
Instant Lending Australia-Wide
Business Caveat Loans
Property Mortgage Lending
Debt Consolidation Re-Financing
Sydney Brisbane, Melbourne, Adelaide
Business Loans
Private 2nd Mortgages
Lowest Caveat Loan Rates
Fastest Private Loan Approval
Mezzanine Debt & Equity Financing
No Credit Checks & Bad Credit Loans
Outstanding ATO Tax Debts Loans
Non-Bank Private lending Alternatives
Canberra Perth Tasmania Darwin
Commercial Lending
Private Loans Can Be Tailored
Loans For The Self-Employed
No Repayments For 12 Months
Secured Business Lines of Credit
Commercial Mortgage Facilities
Rural Mortgage Farm Acreage Funding
Equity Access Constructions Loans
No-Doc Working Capital Business Loans
Bridging The Gap With Private Solicitor Loans
Discover the non-bank world of solicitor funding in Australia, facilitated by our private funding consortium, approved by real people in offices, not by AI-driven computer programs in the cloud.
Solicitor loans provide serious funding alternatives for almost any real estate-secured commercial finance scenario and are funded on merit, not credit score. We understand that life isn't a computer game and that it needs people to make responsible, favourable, real decisions that make it easier for all Australian entrepreneurs to move forward.
These types of fiscal products are what keep this country moving forward and form the backbone of the Australian economy. It's the transactions that fall between the cracks due to Banking roadblocks that make all the difference for business owners and the country's ability to hold its own weight in the global economy.
So long as the scenario has merit, holds real equity, and funds can be made available for deployment, it can meet just about any worthwhile, compliant commercial opportunity. There are no transactions too small or too large. From property transactions to business capital or real-estate asset-backed commercial facilities, we will find a way to make you float. However, these types of loans are not possible for personal or unsecured purposes.
What Are Solicitor Loans?
Solicitor loans are facilities offered by some lawyers and solicitors who act as direct lenders to borrowers, providing short-term finance secured against Australian real estate. They have been available for many years only at select solicitors with their own lawyers' funds, and only to select clients.
A Funding Initiative When Alternatives Are Limited
Finally, we have created a funding initiative that makes these options available to all Australian borrowers, importantly, in a legally compliant manner. Yes, this means not all people will be eligible if they are not candidates. But through asking your own financial and legal advisors if these loans might be suitable for you, businesses and applicants can create a new world of funding alternatives when the banks say no.
How are they secured?
Pretty much the same way that you would with a major bank. A commercial loan document is created for you to take to your lawyer to review and provide legal advice; the exact same process of a mortgage can be placed on the title to make the agreement official through a borrower's real estate title. These loans are not as economical as those of mainstream banks, and banks will always have their place; these loans are intended only to provide temporary funding until the borrowers' commercial position has come back into shape, making them eligible for refinancing with a bank. They are 100% compliant for businesses that require a commercial alternative when banks say “no”.
How Private Solicitor Loans Work
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Private Funding Sources: Direct from individuals, investor groups or mortgage funds – never from the banks.
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Funding can range from $250K to $ 100 million. (Larger amounts on application)
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Solicitor’s Role: Legal compliance, full documentation, due diligence – total protection for both parties.
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Security backed by property (1st or 2nd mortgage) – your equity unlocks the cash.
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Flexible Terms: Negotiate rates, terms, and conditions.
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Exit Strategy: Sell, refinance or cash-flow repayment – planned from day one.
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Key Features – Why Sydney, Brisbane & Melbourne Borrowers Choose Us
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Higher Rates, Higher Speed: Accept the cost for 24–48 hour funding.
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Short-Term Power: 3–24 months – perfect bridging or urgent capital.
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Asset-Based Lending: Equity drives approval – no tax returns, no payslips, no credit checks, bad credit OK
Never Miss Your Dream Home
Given how slow banks can be, private solicitors' loans allow borrowers to fast-track financial transactions, such as property purchase settlements, business loans, and any other funding.
Never Miss Another Business Opportunity
Through the equity in your current home or property, borrowers can control more of their lives with solicitors' funds, an extremely helpful alternative for those who may want to move before they have sold and worry about selling later – no temporary housing pressure, or may need cash-out funding in a hurry on a no-doc approval basis. It's just a practical solution in extreme situations, aka urgent.
Don’t Let The Banks Hold You Back


Act Fast, Move Forward, Secure your solicitor funds today.
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Total Control Custom terms for self-employed, complex situations.
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Lightning Speed Funds in 24–48 hrs (clear title).
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No Financial Scrutiny Equity = Approval. Bad credit? No problem.
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Lawyer Oversight Duty of care guarantees your interests are protected.
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Any Worthwhile Purpose Business, investment, debt consolidation (secured).
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Our Private Lending Suite Nationwide, Local Service
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Short-Term Loans $50K–$100M+ 3–24 months | Funded 3–5 days
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Business Loans Cash-Flow Expansion Low-doc | Bad credit OK
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Caveat Loans 24-hr funding on clear title
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Bridging Loans Buy now, sell later
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2nd Mortgages Unlock equity fast
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Bad Credit Loans 100% asset-focused
Downsizing? Upsizing? Family Growing?
Buy first, settle instantly, transition smoothly. Interest-only payments keep it affordable.
Buy Before You Sell
No need to wait for a property to sell
Investment Opportunities?
Perfect property pops up - If you've found that perfect commercial opportunity, jump on it.
Why Private Solicitor Loans Stand Out
Approvals in hours, funds in days.
Trusted Convenience
Real people - Real support - Real Fast - Australian Based
Private Solicitor Loans
Sydney | Brisbane | Melbourne
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Asset Rich, Cash Poor? Fast Equity Release
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Purchases Additional Investments
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Consolidation of Finances
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Loan Amounts $250K up to $100M
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Loan to Value Ratio up to 75% LVR
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Loan Terms from 3 Months to 3 Years
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Leverage Growing Real-Estate Equity For Commercial or Business
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Start up or expand a business
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Raise Capital & Equity For Commercial Take Outs
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Inject Much Needed Cash-flow Into That project thats been held up
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No Financials
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No Tax Returns
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No Proof of Income
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No bank Statements
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No Age Restrictions
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Competitive Rates
Due to the current economic uncertainty, many Australians are exploring the option of starting commercial businesses to safeguard against potential challenges. While solicitor loans can create opportunities to make this possible, we do not imply that this is the right choice for everyone. Feel free to reach out to us during business hours to speak with one of our consultants in Sydney, Melbourne, Canberra, Hobart, Perth, Adelaide, or Darwin for general information that you may later discuss with your professional advisors. Terms, Fees, and Apply - Funding is only available to approved commercial applicants, and in many cases is not be suitable for everyone’s commercial objective. Always seek indepenant profesional financial and legal advice before deciding whats best for you.
SECURED BUSINESS LOANS
Secured private business loans are very convenient for individuals or privately owned companies that need access to urgent capital without having to answer a multitude of questions about how the funds will be used.
Funds can be deployed as immediate capital, serving as an instant financial buffer during times of fiscal urgency.
NO PROOF OF INCOME NEEDED
No-doc caveat loans and private second mortgages offer self-employed business owners flexible lending alternatives as they do not require tax returns or financial documents. This is a very popular option for borrowers who wish to access urgent capital via real-estate equity, not limited only to the use of trade capital, business loans, stock, plant or equipment loans, but for just about any worthwhile business purpose
DELAY REPAYMENTS FOR 12 MONTHS
Caveat Loans Australia offers finance options that allow borrowers to pause their repayments for an entire year. That means no repayments for a whole 12 months.
This provides support through liquidity during the loan period, which is a common-sense financial approach. This allows borrowers time and the cash-flow breathing space they require to get their business back into shape.
PRIVATE 2ND MORTGAGES
A second mortgage is a convenient option for property owners to access their real estate equity, without affecting their existing 1st mortgage. This allows real estate owners the option to leverage the accumulated capital growth without disturbing their current first mortgage, subsequently be utilised for various purposes business expansion, property improvements, shop fitouts, ATO Tax Debts, commercial creditors, and much more.
WAY FASTER THAN BANKS
Short-term private lending is much faster than mainstream banking because it operates under less rigorous lending rules compared to traditional banks.
The best part about private lending is that it focuses on the real estate being offered as collateral, rather than the complex financial documents, which is why private loans are a quicker funding alternative.
PAY ATO TAX DEBTS
Private Caveat Loans can be secured for many self-employed Aussies who are struggling with hefty ATO tax bills, especially in urgent cases where the ATO is not willing to provide sensible instalment payment plans.
Don’t let a tax debt cripple your business! Our tailored tax debt loans provide immediate relief for self-employed borrowers, serving as a financial lifeline to clear outstanding ATO debts.

