Use this page to compare the main commercial funding routes before you decide whether the scenario belongs with a bank, a non-bank, or a private lender pathway.
Compare the main routes
Each product category below is there to help borrowers understand when a scenario belongs in a mainstream channel and when a more flexible route is the safer first move.
Property finance in Australia for commercial property purchases, refinance, equity release, bridging loans, second mortgages, and property-backed funding.
View page →Property-backed business cashflow finance for eligible Australian businesses using residential or commercial property equity for a defined business purpose.
View page →Property development finance in Australia for site acquisition, construction drawdowns, residual stock, cost overruns and practical exit funding.
View page →Business acquisition finance in Australia for buying a business, partner buy-outs, goodwill, franchise purchases, vendor terms and working capital.
View page →Property-backed private lending for business cashflow, urgent settlements, ATO debt, second mortgages and refinance across Australia.
View page →Low-doc commercial loans in Australia for self-employed borrowers using BAS, bank statements, lease income, accountant evidence or property security.
View page →Commercial mortgage refinance and commercial loan refinance in Australia for maturity pressure, lender change, equity release, debt consolidation, and private lender exits.
View page →Business loans in Australia for working capital, ATO debt, supplier pressure, growth funding and secured or unsecured commercial lending.
View page →Asset finance in Australia for vehicles, trucks, machinery and equipment using chattel mortgage, hire purchase, lease and low-doc options.
View page →The label on the product matters less than the structure behind it. Good lender matching starts with the deal objective, the available security, the funding term, and the way the borrower expects to exit or refinance.
If speed is the priority, a short-term private solution may be the best bridge. If the asset is being improved or built, development funding may be the stronger fit. If cash flow supports debt after settlement, an acquisition or business facility may be more efficient.
FAQ
How do I choose the right commercial loan type?
Start with the purpose of funds, the asset or security offered, the repayment or exit strategy, and the timeframe. Those facts usually narrow the path before pricing or lender names matter.
Which commercial loan type is best for urgent scenarios?
Urgent files often need private lending, bridging finance, second mortgage funding, or a specialist non-bank lender, but the best route still depends on security, leverage, legal timing, and the exit.
Can one scenario involve more than one loan type?
Yes. A single commercial finance request can combine refinance, equity release, working capital, acquisition funding, private lending, or asset finance when the structure needs more than one facility.
What is the difference between a bank, non-bank, and private lender path?
Banks usually suit cleaner documents and lower-risk leverage. Non-bank lenders can be more flexible on policy. Private lenders are commonly used where speed, security, or short-term bridging matters most.
What should I prepare before comparing loan types?
Prepare the funding amount, use of funds, security details, current debt, timeframe, documents available, and the main reason the deal may not fit a simple mainstream loan.
Answer a few plain-English questions for an indicative first pass, or call us when the transaction is already time-sensitive.
