Private secured lending · Australia-wide
Funded in days, not months.
Private lending for Australian businesses, secured against property, vehicles, equipment or boats. From $100k to $5M. Direct from 10% or brokered from 8%. 48-hour decisions, settled in days.
- Indicative decision within 48 hours
- Interest-only terms, 1–24 months
- No bank red tape, no SACC-style paperwork
- First or second mortgage, caveat loans, asset-backed
Business and commercial purposes only. Not regulated under NCCP.
Get a callback
Tell us the basics. We'll come back within one business day.
What we fund
Real business problems that banks won't move on fast enough.
Bridging finance
Buying before selling. Short-term funding to settle a property purchase while you transact on the other side.
Cash-out against equity
Working capital, deposit funds, supplier payments, or opportunistic deals — using equity in real assets you already own.
Settlement shortfall
A bank deal that fell at the last minute, an LVR gap, or a stretched commercial deal. We move when you can't wait.
Renovation / fit-out
Pre-sale uplift on a property, commercial fit-out, or value-add project where bank finance is too slow or too restrictive.
Land & subdivision
Raw land, subdivision in progress, or pre-DA holdings. Asset-backed lending where the bank won't price the deal yet.
Caveat loans
Short-term lending against the equity in property without a registered mortgage. Same-week settlement when needed.
From enquiry to funds — typically under 10 business days
01
Submit
5-field form above, or call us. We need amount, security, purpose, timeframe.
02
Indicative decision
Within 48 hours: yes/no, indicative rate, indicative terms.
03
Valuation & docs
We instruct a valuer. You provide ID and proof of ownership. Solicitor instructed in parallel.
04
Settle
Funds disbursed to your nominated account. Interest-only from day one.
Two ways to be funded
Same enquiry, two channels — we recommend the one that fits your deal.
Direct
Esteb Capital
From 10%
- • Funded directly from our own book
- • Fastest path — same-week settlement possible
- • Decision sits with us, not a credit committee
- • Business / commercial purpose only
Brokered
Esteb & Co
From 8%
- • Access to a panel of private lenders
- • Lower rate, slightly longer process (~2–3 weeks)
- • NCCP-licensed (ACL #389087) — full credit advice
- • Suitable for larger or longer-term deals
estebandco.com.au · Australian Credit Licence #389087
Frequently asked
Is this a consumer or personal loan?
No. Esteb Capital only funds loans for business, commercial, or investment purposes. We do not provide consumer credit (no home loans, no personal loans, no debt consolidation for personal debt).
How fast can you settle?
Typical turnaround is 5–10 business days from enquiry to funds in account, assuming clear title and complete information. Indicative decisions usually within 48 hours.
What security do you take?
First-mortgage over real property is preferred. We also lend against vehicles, equipment, and boats where appropriate. Second mortgages considered case-by-case.
Why is the direct rate higher than brokered?
Direct funding from Esteb Capital is faster (no broker chain) but priced higher (from 10%). Brokered through our affiliated NCCP-licensed brand Esteb & Co, the panel of lenders lets us access cheaper money (from 8%) but with a slightly longer process.
Do I need an Australian Credit Licence to borrow from you?
No — you are the borrower. Esteb Capital is exempt from the National Consumer Credit Protection Act (NCCP) because we only lend for business and commercial purposes, which is a recognised exemption.
Need a regulated home, personal, or consumer loan?
That's our sister brand Esteb & Co — NCCP-licensed credit assistance.
Private lending in depth
12 guides covering specific aspects of private lending in Australia — from caveat loans and first-mortgage structures through to exit strategies and refinancing.
Funding Renovations and Refurbishments with Private Finance
Renovating a commercial property can unlock significant value, but traditional lenders often will not fund the work. Private finance fills this gap, enabling investors and business owners to complete refurbishments quickly and refinance once the value uplift is realised.
Caveat Loans vs First Mortgage Private Lending
Not all private loans are created equal. Caveat loans and first mortgage private loans serve different purposes, carry different risks, and suit different situations. Understanding the distinction can save you significant money and protect your assets.
How to Present Your Deal to a Private Lender
A well-presented deal gets faster answers. Whether you are a borrower or a broker, knowing what private lenders need to see — and how to present it — dramatically improves your chances of a quick approval and smooth settlement.
How to Refinance Out of a Private Loan
Private loans are designed as short-term solutions, not permanent fixtures. Learn the practical steps to refinance out of a private loan and back into mainstream lending, including timelines, preparation tips, and common pitfalls to avoid.
Second-Tier Lending vs Private Lending: Key Differences
Second-tier lenders and private lenders both serve borrowers who fall outside bank criteria, but they operate very differently. This guide explains the key differences to help Australian businesses choose the right option.
Short-Term Business Loans: Alternatives When Banks Are Too Slow
When banks cannot move quickly enough, short-term business loans from private lenders offer Australian businesses a way to access capital in days rather than months. Here is how they work.
Asset-Backed Lending: Using Property as Security for Business Loans
Asset-backed lending allows Australian businesses to leverage real property as security for commercial loans. Understand how it works, what lenders look for, and when it makes sense.
What Is an Exit Strategy and Why Do Private Lenders Require One?
An exit strategy is a borrower's documented plan for repaying a private loan. Learn why every private lender in Australia requires one and how to prepare a credible repayment plan.
How to Get Approved for a Private Loan in 48 Hours
Getting approved for a private loan quickly is possible if you know what lenders need upfront. This guide walks through the steps to prepare your application and maximise your chances of a fast turnaround.
Private Lending vs Bank Loans: Which Is Right for Your Deal?
Private lenders and banks serve different purposes in the commercial finance landscape. This comparison breaks down the key differences in speed, cost, criteria, and flexibility to help you choose the right option.
First Mortgage Lending: What Borrowers Need to Know
First mortgage lending is the foundation of private finance in Australia. Understand what it means to borrow on a first mortgage basis, how it affects your deal, and why lenders prioritise this security position.
What Is Private Lending and How Does It Work in Australia?
Private lending is an alternative to traditional bank finance where funds are provided by non-bank entities. Learn how private lending works in Australia, who it suits, and what to expect from the process.
Got a deal that needs to move?
Same form, same callback. We'll tell you within 48 hours if we can fund it.
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