Private Lending is Moving Fast: Are You Ready?

With banks continuing to tighten serviceability requirements and many businesses still navigating cash flow pressure, private lending has never played a more important role in the Australian market. For brokers, that means opportunity, but only if you're working with the right lending partner.

What's Happening in the Market

Australian borrowers are increasingly looking beyond the major banks for funding solutions, and it's easy to see why. Conservative credit policies, slower turnaround times, and rigid assessment criteria are pushing more clients toward non-bank lenders who can move quickly and think practically.

Across the market, we're seeing strong growth in private first and second mortgage lending, rising demand for working capital and cash flow finance, and more businesses unlocking equity in their property to fund expansion. Refinancing pressure is building as commercial loans mature, and borrowers (particularly the self-employed) are seeking lenders willing to work with flexible documentation.

Line of Credit facilities are also gaining ground. Rather than taking out multiple standalone loans, savvy business owners are opting for revolving facilities they can draw on, repay, and access again without starting the application process from scratch.

For brokers, the message is clear: expanding your lending panel to include specialist non-bank lenders isn't just a nice-to-have anymore it's how you stay competitive and keep more deals on the table.

What Speedy Finance Offers

We've responded to market conditions by making our pricing even more competitive while maintaining the fast turnaround times brokers rely on.

First Mortgages from 8.00% p.a. ideal for commercial borrowers, business purchases, property-backed lending, and refinance opportunities.

Lite Doc Second Mortgages from 1.375% per month a practical solution for working capital, ATO debt, business expansion, cash flow support, and property investors.

Speedy Line of Credit from 1.50% per month our revolving mortgage facility that lets clients draw, repay, and redraw without reapplying each time. Perfect for ongoing business funding, tax obligations, and seasonal cash flow gaps.

All products are available over residential and commercial security, including vacant land, up to 75% LVR (or higher depending on the client's risk profile), on an interest-only basis, with fast desktop valuations.

Why Brokers Work With Us

Speed matters but it's not the only thing. Brokers choose Speedy Finance because we combine fast credit decisions with experienced, flexible credit assessment. We look at deals others won't touch, and we find ways to make them work.

We regularly assist with working capital, ATO debt, business expansion, urgent settlements, property development, bridging finance, equipment purchases, debt consolidation, and cash flow gaps.

Our streamlined lending process including our nominated solicitor Parsons & Partners, based in Sydney means many transactions settle within days of documentation being complete. Brokers also benefit from dedicated BDM support and uncapped commissions.

Have a Deal That Doesn't Fit Bank Policy?

We'd love to hear about it. Submit your scenario today and find out how Speedy Finance can help you settle more deals.