Private & Specialist Lending
Specialist funding when timing or complexity rules out a standard approach
CFP works with borrowers who need a practical funding solution and for whom conventional bank finance is not suitable — whether due to timing, complexity, credit history or the nature of the asset.
When standard lending is not the answer
Private and specialist lending fills the gap between what banks will fund and what borrowers need. It is typically short-term, higher-cost and requires a clear exit strategy. CFP's role is to identify the right private lender for the specific situation, set realistic expectations about pricing and terms, and manage the engagement efficiently.
Bridging finance
Short-term funding to bridge the gap between a purchase and a sale, refinance or other exit event.
- Purchasing before an existing property sells
- Urgent settlement where bank approval is delayed
- Short-term funding pending a refinance
Short-term commercial funding
Commercial property and business funding for transactions that fall outside standard bank policy or require a fast turnaround.
- Commercial assets outside standard bank appetite
- Transactions requiring approval within days, not weeks
- Borrowers with complex structures or non-standard income
Development site finance
Land and development site funding for projects that are not yet ready for a standard construction facility.
- Site acquisition pending planning approval
- Land banking while a project is prepared
- Funding a site purchase ahead of a development facility
Residual stock
Funding for completed development stock that has not yet sold, allowing the developer to repay the construction facility.
- Completed units or lots not yet settled
- Refinancing a construction facility on completion
- Holding stock while the market improves
Credit-impaired scenarios
Funding for borrowers with adverse credit history who cannot access standard bank lending.
- Prior defaults or judgements
- Recent business difficulties
- Funding while credit history is being repaired
Non-standard property
Funding for properties that fall outside standard lender appetite due to location, size, condition or use.
- Rural or remote properties
- Properties in poor condition or requiring significant work
- Unusual or specialist property types
Important considerations
Pricing, fees and exit strategy
Private lending is more expensive than bank lending. Interest rates are typically higher, establishment fees apply and terms are shorter. A clear and realistic exit strategy — sale, refinance or other repayment event — is essential before entering a private lending arrangement. CFP will discuss these factors openly before recommending a private lender.
- Interest rates are typically higher than bank lending — understand the total cost
- Establishment and exit fees apply — factor these into the overall cost
- Terms are short — typically 3 to 12 months, with limited extension options
- A clear exit strategy is essential — sale, refinance or other repayment event
- Private lending is a short-term solution, not a long-term funding strategy
Speak with CFP
Discuss your funding requirement
If you have an urgent or complex funding requirement, we are happy to have a confidential discussion about your situation and the options available.