Canberra private lenders · business-purpose finance only

Canberra private finance, built around leasehold title and a precise exit.

Eligible business-purpose transactions in Canberra and the ACT assessed with Crown lease conditions, permitted use, tenancy concentration, valuation, existing debt and the borrower’s documented repayment pathway clearly presented.

Evidence-led assessmentQualified optionsAustralia-wide enquiries
A clearer credit story

In Canberra, title and lease conditions belong inside the credit story.

Eligible uses

Capital for a defined commercial outcome.

The predominant use of funds must be genuine, documented and compatible with lender policy.

Commercial suites

Eligible office, medical, retail or mixed-use strata with tenancy and liquidity evidence.

Industrial property

Selected warehouses and trade assets with zoning, use and marketability confirmed.

Development or land

ACT sites where Crown lease, approvals, costs, milestones and exit are documented.

Urgent refinance

Replace eligible maturing commercial debt with sufficient term and contingency.

Assessment framework

Purpose, evidence, capacity and exit must agree.

  • Property type, Canberra submarket and accepted value
  • Title, ownership, zoning and material property risks
  • Existing mortgages, caveats, priorities and payout figures
  • Borrower, business purpose and use-of-funds evidence
  • Term, interest treatment, fees and net usable proceeds
  • Refinance, sale or verified business-proceeds exit with contingency
A lender-ready process

Four disciplined steps from enquiry to settlement.

Step 01

Triage

Purpose, amount, timing, borrower, cash flow, security and repayment source.

Step 02

Evidence map

Identify documents, gaps, risks and the facts a lender must verify.

Step 03

Structure

Compare term, security, repayment profile, total cost and lender fit.

Step 04

Conditions

Coordinate approval, due diligence, documents and settlement conditions.

Prepare once

Documents commonly requested.

  • Borrower/entity details
  • Property and title records
  • Valuation or sales evidence
  • Loan statements and payouts
  • Use-of-funds schedule
  • Business financial evidence
  • Exit documents
  • Legal or planning information where relevant
Frequently asked questions

Private Lenders and Private Loans in Canberra FAQs.

Do private lenders operate in Canberra?

Selected private and non-bank lenders consider eligible Canberra and surrounding-region property. Availability depends on property, borrower, purpose, security, lender policy and exit—not on a claimed local office.

Can private finance reach 80% LVR?

Up to 80% LVR may be considered for selected qualifying first-mortgage scenarios. Property type, submarket, ranking, capitalised interest and exit can require lower leverage.

What Canberra properties may be considered?

Eligible commercial, industrial, mixed-use, development, land and selected residential security for a genuine business-purpose facility may be considered, subject to lender policy and accepted value.

How quickly can a private loan settle?

A complete file can improve efficiency, but valuation, title and priority checks, lender approval, legal documents and cleared conditions still determine timing. No date is guaranteed.

Can a property sale be the exit?

It may be, when supported by realistic accepted value, net sale proceeds, marketing or sale evidence, timing and contingency. Asking price alone is not sufficient.

Do you provide consumer credit?

No. The predominant purpose must be genuinely commercial and evidenced. Personal, domestic, household, owner-occupied housing and ordinary residential-investment purposes are excluded.

Discuss the numbers

Purpose. Amount. Timing. Evidence. Security. Repayment.

Share those facts so we can identify the information required for a meaningful assessment.

Call: 0439 462 664
Email: info@basicfinanceloans.com.au

Use our contact form to share the funding amount, business purpose, property location, existing secured debt, required timing and proposed repayment exit.

Continue to the contact form

Submitting an enquiry is not an approval or offer of credit.


Business and eligible corporate investment finance. We do not provide regulated consumer credit. Eligible corporate-borrower investment scenarios may be considered, including short-term rural and lifestyle property finance where the corporate borrower is on title. Borrower structure, purpose, security and applicable legal requirements are assessed case by case. All applications are subject to lender assessment and approval. Read our lending policy