Private Business Loans Australia

Property-backed business finance from a private lender with access to its own funding.

Brampton Finance is a private business lender providing property-backed finance for eligible business and commercial requirements across Australia. With access to our own funding, we assess suitable transactions for direct private lending.

We also operate as a finance broker. Where another funding source or structure is appropriate, we can arrange facilities through specialist lending partners.

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Private business loans may support working capital, stock purchases, business expansion, acquisitions and refinancing. Depending on the transaction, funding may be secured by a first mortgage or a second mortgage behind an existing lender.

Tell us how much usable funding you need, what it will achieve and how the loan will be repaid.

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Discuss Your Private Business Loan

Call 02 9389 1077

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A Private Business Lender With Access to Our Own Funding

Brampton Finance provides private lending alongside access to specialist funding partners.

Our own funding access provides a direct lending pathway for eligible transactions. Our broking capability provides additional options where a partner facility is appropriate.

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We consider the funding requirement alongside your property security, current obligations, business circumstances and repayment strategy.

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Before proceeding, the proposal and facility documents identify:

• The legal entity providing the credit.

• Brampton’s role as lender or broker.

• The gross facility amount and usable proceeds.

• Interest, fees and any applicable brokerage.

• Required mortgages, other security and guarantees.

• Conditions that must be satisfied before settlement.

• Payments during the term and the final repayment.

• Early repayment, extension and default provisions.

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Access to our own funding does not mean automatic approval. The proposed facility remains subject to assessment, acceptable security, documentation and applicable lending criteria.

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Explore our broader private lending services across Australia.

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What Is a Private Business Loan?

A private business loan is finance provided by a private lender or private capital source for an eligible business purpose.

The facilities discussed on this page are secured against acceptable real estate. Depending on existing debt and the proposed structure, security may involve a first-ranking mortgage or a second mortgage behind an existing lender.

Private business finance can differ from a conventional bank facility in its funding source, assessment criteria, documentation and repayment structure.

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It still involves assessment, contractual obligations and the risk of enforcement against secured property if the loan is not repaid.

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Private Business Finance at a Glance

Provider: Brampton Finance, private lender and finance broker.

Funding pathways: Access to our own funding, with specialist partner facilities considered where appropriate.

Potential purposes: Working capital, stock purchases, business expansion, acquisitions and eligible debt refinancing.

Potential security: Acceptable residential, commercial or industrial property, subject to assessment.

Possible structures: First mortgage or second mortgage facilities.

Service area: Australia-wide enquiries, subject to property location and applicable criteria.

Assessment: Property value, existing obligations, funding purpose, borrower circumstances, costs and repayment evidence.

Starting information: Amount required, purpose, property details, current debt, deadline and proposed repayment source.

Loan amounts, terms, pricing and availability depend on the individual transaction.

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What Can a Private Business Loan Fund?

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Working Capital and Temporary Cash Flow Gaps

Working capital funding may help address a defined gap between business expenditure and incoming receipts.

A business may need to purchase materials before completing a contract, pay suppliers before receiving customer payments or cover expenditure ahead of a seasonal trading period.

Explain:

• Why the funding gap exists.

• How much usable cash is required.

• When incoming funds are expected.

• Any conditions attached to those receipts.

• What remains available for repayment after business expenses.

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A temporary timing gap and a continuing operating loss require different assessments. Additional debt must be considered against the underlying business position.

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Stock and Inventory Purchases

Private business funding may support an eligible stock purchase or documented supply opportunity.

Assess the purchase price, expected sales period, gross margin and financing costs together.

Allow for slower sales, unsold inventory, returns and customer payment terms. Expected sales revenue is different from cash available to repay a loan after expenses.

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Business Expansion and Fit-Outs

Funding may be considered for additional premises, a commercial fit-out, increased operating capacity or another defined expansion.

Provide a budget showing the expenditure and when the expansion is expected to generate cash.

Where the benefits arise over several years, compare that timeframe with the proposed loan term and other available funding options.

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Business Acquisitions

A property-backed private loan may form part of an eligible business acquisition.

Relevant information can include the purchase agreement, acquisition price, borrower contribution, target business financials and post-acquisition working capital requirements.

The funding plan should account for both completion and ongoing operations. Paying the purchase price alone may leave insufficient cash to operate the business.

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Equipment and Business Assets

Private funding may be considered for eligible equipment expenditure.

However, finance secured against the equipment itself may provide another structure. Compare the security, term, repayment schedule and total cost before committing property to the borrowing.

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Explore vehicle and equipment finance.

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Refinancing Business Debt

A private business loan may replace an existing facility where the new structure meets applicable criteria and has a supported repayment strategy.

The assessment must account for the current payout, accrued interest, discharge expenses and new borrowing costs.

A lower periodic payment does not necessarily mean a lower overall cost.

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Explore private loan refinancing.

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Use Property Equity for Business Funding

Property equity is the difference between a property’s value and the debt secured against it.

That equity is not automatically available to borrow. The assessment also considers lending limits, existing obligations, property characteristics, funding purpose and repayment risk.

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First Mortgage Business Loans

A first mortgage structure may be considered where property is unencumbered or an existing mortgage will be refinanced.

Where the facility replaces another loan, its payout reduces the money remaining for the business.

The gross advance must cover the required payouts, transaction costs and usable business funding.

 

Learn about private first mortgage loans.

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Second Mortgage Business Loans

A second mortgage may allow additional funding while the existing first mortgage remains in place.

Assessment includes the first mortgage balance and relevant limits, existing loan conditions, combined secured debt and any required consents or priority arrangements.

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Compare the combined facilities with refinancing the entire debt. Retaining an existing mortgage is useful where the overall structure supports the business requirement.

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Explore private second mortgage loans.

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Using Residential Property as Business Security

Residential property may be considered as security for eligible business borrowing.

Where a home secures the facility, business borrowing creates a direct risk to that property if repayment obligations are not met.

Disclose the actual use of funds accurately. The security property alone does not determine the borrowing purpose or applicable lending requirements.

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How Much Private Business Funding Could Be Available?

Available funding depends on:

• The accepted property value.

• Applicable lending limits.

• Existing mortgages and relevant facility limits.

• Other secured obligations.

• The requested amount and purpose.

• Fees and interest arrangements.

• Evidence supporting repayment.

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For second mortgage funding, the combined debt position is relevant:

Combined LVR = total assessed secured debt ÷ accepted property value × 100.

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Illustrative Business Equity Release

Assume:

• Accepted property value: $1,400,000.

• Existing first mortgage: $600,000.

• Proposed gross second mortgage: $250,000.

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On these assumptions, combined secured debt would be $850,000, producing a combined LVR of approximately 60.71%.

If an assumed $20,000 in fees and retained interest were deducted from the second mortgage advance, usable proceeds would be $230,000.

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This is a hypothetical illustration. It is not a Brampton Finance transaction, lending limit, approval or quote. Actual assessment may also consider other obligations and relevant facility limits.

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State how much your business needs after costs. The gross facility amount and the money available to spend are different figures.

 

Private Business Loan Eligibility

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Acceptable Property Security

Assessment considers the property’s location, ownership, title, condition, marketability and accepted value.

Residential, commercial and industrial properties may be considered, depending on the transaction and applicable criteria.

An owner’s estimate or agent appraisal may differ from the value accepted for lending.

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Existing Debt and Commitments

Provide current mortgage balances, relevant facility limits, repayment information and other material obligations.

Disclose arrears, approaching maturities and other interests affecting the property early.

For a second mortgage, the existing first loan and required security arrangements must also be assessed.

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A Defined Business Purpose

Explain exactly what the funds will pay for.

Supplier invoices, contracts, expenditure budgets or acquisition documents can support the enquiry.

A general description such as “business growth” may need more detail before the funding requirement can be assessed.

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Borrower and Entity Information

Identification, company or trust documents, business bank statements, financial records and information about trading history may be required.

An application focused on property security still requires an understanding of the borrower and business.

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A Supported Repayment Strategy

Repayment may involve business cash flow, identifiable contract receipts, a property sale, an achievable refinance or another supported source.

The timing and amount must support the debt after relevant expenses and other commitments.

For a future refinance, consider what must change before the replacement lender can approve the required amount.

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Private Business Loan Rates and Fees

There is no single rate for every private business loan.

Pricing depends on the property, mortgage priority, combined debt, requested term, transaction complexity and repayment risk.

Whether the proposal uses our funding access or a partner facility, compare the complete borrowing cost over your expected term.

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Relevant costs and conditions may include:

• Interest and how it is calculated.

• Establishment or application fees.

• Valuation expenses.

• Legal and security documentation costs.

• Any brokerage charges.

• Minimum interest requirements.

• Early repayment and discharge costs.

• Extension and default provisions.

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Request a written cost breakdown using your expected repayment date and usable funding requirement.

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Understand the Repayment Structure

Some facilities require regular interest payments. Others may retain interest from the advance or capitalise it into the balance.

Retained interest can reduce the funds available for the business.

Capitalised interest increases the eventual payout and may itself attract interest, depending on the agreement.

Confirm whether principal is repaid progressively or becomes due at maturity. Manageable interim payments can still leave a substantial final repayment.

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Private Business Loans Compared With Other Funding Options

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Bank Business Finance

A bank facility may be appropriate where the business meets the relevant criteria and can accommodate the assessment timetable.

Consider available bank options alongside the proposed private facility.

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Unsecured Business Loans

An unsecured business facility may avoid a specific property mortgage, although guarantees and other contractual obligations may still apply.

Compare the full cost, payment frequency, term and security provisions.

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Explore unsecured business loans.

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Invoice Finance

Where the main issue is waiting for eligible invoices to be paid, invoice finance may be relevant.

Suitability depends on the invoices, customer base, facility conditions and the business’s requirements.

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Equipment and Asset Finance

Where funding is needed for an identifiable asset, finance tied to that asset may provide another pathway.

Compare repayments with the asset’s expected useful life and contribution to business cash flow.

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Property-Backed Private Finance

Private business lending may be considered where acceptable property, a defined requirement and a supported repayment strategy fit the proposed facility.

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Brampton’s lending and broking capabilities allow the enquiry to be considered against relevant available structures.

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Explore our broader business loan services.

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How Quickly Can a Private Business Loan Settle?

Timing depends on the application and outstanding requirements.

Valuation, title review, existing mortgage discharge, required consents, legal documentation and approval conditions can affect settlement.

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Access to our own funding does not remove these steps.

Provide the actual deadline at the beginning. An indicative response or term sheet is different from unconditional approval and settled funds.

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For a contractual deadline or maturing loan, your legal adviser should address the existing obligations while funding is assessed.

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Discuss a time-sensitive business funding requirement.

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How to Apply for Private Business Finance

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1. Explain the Business Requirement

Tell us the usable amount needed, intended expenditure, deadline and proposed term.

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2. Provide Property and Debt Details

Supply the security address, property type, ownership, estimated value, mortgage balances and relevant limits.

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3. Support the Repayment Plan

Explain how and when the facility will be cleared. Provide relevant contracts, financial information, forecasts or sale and refinance evidence.

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4. Review the Proposed Funding Pathway

The enquiry may be assessed against our own funding access or an appropriate partner facility.

Review the credit provider, Brampton’s role, gross advance, usable proceeds, costs, security and conditions.

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5. Complete Assessment and Documentation

Required valuation, assessment, legal work, consents and settlement conditions must be completed before funding.

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Start your private business funding enquiry.

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Why Choose Brampton Finance?

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We Are a Private Business Lender

Brampton Finance has access to its own funding and assesses eligible transactions for direct property-backed lending.

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Additional Specialist Funding Options

We also operate as a finance broker, arranging partner facilities where appropriate.

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The proposal and documents identify the credit provider and our role.

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Established Finance Experience

Founded in 2006, Brampton Finance works across business lending, commercial finance, home loans and specialist funding requirements.

We consider the proposed facility alongside existing debt and the wider transaction.

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Focus on Usable Funds and Repayment

The loan needs to provide sufficient net funding and have obligations you understand.

We assess the amount, deductions, term and repayment strategy together.

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Support Through the Process

Brampton assists with reviewing the enquiry and coordinating the application with relevant parties, subject to assessment and completion of conditions.

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Private Business Loans Across Australia

Brampton Finance accepts property-backed business funding enquiries across Australia, including:

• Private lenders Sydney — business finance enquiries across Greater Sydney.

• Private lenders Melbourne — private funding for eligible Melbourne and Victorian requirements.

• Private lenders Brisbane — property-backed finance enquiries across Brisbane and surrounding areas.

• Private lenders Perth — business funding involving Perth and other WA property.

• Private lenders Adelaide — enquiries involving Adelaide and other South Australian locations.

• Private lenders Hobart — private finance enquiries involving Hobart and Tasmanian property.

• Private lenders Darwin — eligible business funding involving Darwin and other NT locations.

• Private lenders Canberra — property-backed funding enquiries across Canberra and the ACT.

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These are service enquiry areas. Availability depends on the exact property location, borrower, purpose and applicable criteria.

For regional property, provide the address at the beginning of the enquiry.

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Private Business Loan FAQs

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Is Brampton Finance a private business lender or broker?

Brampton Finance is a private lender with access to its own funding. We also operate as a finance broker, arranging specialist partner facilities where appropriate. The documents identify the legal credit provider and Brampton’s role.

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Will my loan use Brampton’s own funding?

That depends on the application and proposed structure. Eligible transactions can be assessed against our funding access. A specialist partner facility may be considered where appropriate.

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Can a small business apply?

Yes. Small business owners can make an enquiry. Assessment depends on the purpose, property, existing obligations, borrower circumstances and repayment plan.

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Can self-employed borrowers and company directors apply?

Yes. Explain the business, requested funding, current commitments and repayment source. Documentation requirements depend on the proposed facility.

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Can a new business obtain private funding?

A new business can make an enquiry, but limited trading history may affect the options. Property equity alone does not establish that the business can repay the facility.

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Can I apply after a bank decline?

Potentially. The reason for the decline remains relevant. A different funding source does not remove the need for assessment.

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Can I keep my existing mortgage?

A suitable second mortgage may allow the first mortgage to remain, subject to assessment, existing loan conditions and required security arrangements.

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Can I use my home as security?

Potentially, subject to assessment. Your home may be at risk if the business loan is not repaid. Disclose the actual purpose of borrowing and obtain appropriate independent advice.

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Do private business loans require financial statements?

Requirements vary. Some facilities may accept alternative evidence, but identification, business information, security and repayment assessment still apply.

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Can I apply without property security?

The private business facilities described on this page are property-backed. If you do not have property available, discuss other potential business finance options with Brampton.

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How quickly can funding settle?

Timing depends on the information provided, valuation, title and mortgage requirements, legal documentation and approval conditions. Give us the actual deadline at the outset.

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Can I repay early?

The agreement determines early repayment obligations. Minimum interest, notice requirements or discharge charges may apply. Request a payout illustration using your intended repayment date.

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Can I use the funds for personal expenses?

This page concerns eligible business and commercial funding. Disclose the actual use of funds, including any personal component, so the appropriate product and requirements can be assessed.

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What happens if the business cannot repay?

The credit provider may exercise rights under the loan, guarantees and security documents. This can include enforcement against property.

An extension or refinance may require reassessment, involve additional costs or be unavailable.

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Discuss Your Private Business Loan

Speak with a private business lender with access to its own funding and additional specialist finance pathways.

Tell us how much usable funding your business needs, what it will achieve, the property available as security and how the loan will be repaid.

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Brampton Finance can review the enquiry and explain the next steps for direct private lending or an appropriate partner facility.

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Submit Your Business Funding Enquiry

Phone: 02 9389 1077
Email: info@bramptonfinance.com.au

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Brampton Finance Pty Limited | ABN 54 121 561 564 | Australian Credit Licence 385602.

General information only. Finance is subject to assessment, applicable lending criteria, acceptable security and documentation. The facility documents identify the credit provider and Brampton’s role. Rates, fees, terms and availability vary. A finance enquiry does not suspend existing contractual obligations. Property provided as security may be at risk if repayment obligations are not met. Obtain appropriate independent advice before proceeding.