Borrowing from us

SIMPLER. FASTER. FRIENDLIER.

PrivateInvest - A capital partnership approach to project financing

PrivateInvest is a non-bank lender, offering tailored and competitive financing solutions for commercial property investment. Unlike traditional banks, we only finance projects in the property industry.  

Whether you are a borrower seeking finance, or a finance broker representing your client, a timely credit decision is paramount. We can issue decisions promptly on the basis that we have all required information to make a proper credit assessment.  

We offer an extensive range of property financing solutions to support the needs of borrowers and their projects. Simpler. Faster. Friendlier.      

Our team has a deep understanding of real estate and we understand the factors that drive project success. This allows our team to design value-adding solutions and to provide support to borrowers at all stages of their property project activities.  

We understand time is money

Our specialist finance team has extensive experience in structuring bespoke commercial property finance.  We are not a “faceless” credit team that borrowers can never talk to – borrowers are in direct contact with the decision makers.   

PrivateInvest values face-to-face meetings as much as possible. The challenges of restricted travel through most of 2020/21 has meant that it has become common practise to schedule video conference calls as an alternative. This change has not only unlocked further business efficiencies through improved credit decision times; it has also broadened PrivateInvest’s reach to borrowers from all parts of the country, unlocking further potential in the Australian property debt market. 

Borrowers appreciate that we are custodians of not only investors’ capital, but our own, and consider this investment responsibility very highly. Our credit assessment process mirrors those of the borrowers, in that we assess all aspects of the asset, valuation, and feasibility analysis. Open communication in this process is critical to timely decisions.  

PrivateInvest understands the impact of wider economic issues on project success and our deep knowledge of the businesses and individuals connected within the industry enable us to better tailor property-specific solutions.  

Our typical commercial loans range between $3 million to $25 million, however, our institutional grade due diligence and loan sourcing enables borrowers to benefit from our ability to syndicate larger loans with likeminded lenders.   

PrivateInvest lends against property residual stock, development and construction, and site finance. Industry seasoned borrowers understand that interest rates are only one part of the many equations in achieving a better return on equity and internal rate of return on their loan. 

As a potential borrower, you may be able to achieve a higher loan to value ratio with PrivateInvest rather than your standard bank. We are flexible on pre-sale commitments and support respectable developers with a strong business plan to achieve sales or leases.  

Sometimes a higher loan to value ratio can be achieved by the inclusion of a second mortgage or by structuring preferential equity solutions for borrowers. Our technical management team is capable of workshopping with you to find the most suitable solution to your financing needs.  

Our expertise to package profitable projects and mitigate risks under our capital partnership approach lets our borrowers excel at their strengths of managing and executing their projects.  

Loan Guidelines

Our loan guidelines are designed to help you get your loan approved simpler – faster – friendlier.

Registered First Mortgage Security

Loan type

Property Investment, Construction, Site Finance.

LVR

Up to 70% – General 65% cap.

Asset class

Commercial, Industrial, Residential and Hospitality

Loan Size

$3,000,000 – $25,000,000

Interest Rate

By negotiation, subject to risk

Term

6-24 months

LOCATION

Australian capital cities, selected major regional towns and growth corridors

Key Requirements

Takeout/ refinance clearly evidenced

Registered Second Mortgage Security

Loan type

Construction, Site Finance

LVR

Up to 85% – cap

Asset class

Commercial, Industrial, Residential and Hospitality

Loan Size

$1,000,000- $10,000,000

Interest Rate

By negotiation, subject to risk

Term

6-18 months

LOCATION

Australian capital cities, selected major regional towns and growth corridors

Key Requirements

Takeout/ refinance clearly evidenced

Preferential Equity

Loan type

Construction, Site Finance

LVR

Case by case basis

Asset class

Commercial, Industrial, Residential and Hospitality

Loan Size

$1,000,000- $5,000,000

Interest Rate

Case by case basis

Term

6-18 months

LOCATION

Australian capital cities, selected major regional towns and growth corridors

Key Requirements

Takeout/ refinance clearly evidenced

Snapshot sample of some of our current loans

Connect with PrivateInvest