Guides
Private lending, explained plainly
How private lenders think, what the documents mean and how to keep a short-term loan short. New guides added every week.
How private lending worksChoosing a loanQueenslandBefore you signUrgent funding
The Three Questions Every Private Lender Asks
Security, purpose and exit: the three questions behind every private lending decision, what lenders are really checking and how to answer each one well.
25 October 2026
Caveat, Second Mortgage or First Mortgage? How to Choose
A side-by-side guide to caveat loans, second mortgages and private first mortgages: speed, cost, paperwork, amounts and which suits your deadline and property.
25 October 2026
Queensland Caveat Rules: A Guide for Business Borrowers
How caveats work in Queensland for business borrowers: the Land Title Act, your consent, how long a caveat lasts, removal on repayment and what to check first.
25 October 2026
Private Loan Letter of Offer: A 20-Point Checklist
Before you sign a private loan offer, check these 20 points: total cost, fees, minimum interest, default terms, security, guarantees, early exit and extensions.
25 October 2026
The First 48 Hours of an Urgent Private Loan
Hour by hour, what happens when you need a private loan fast: the enquiry, valuation, offer, legal advice, signing and settlement, and how to avoid delays.
25 October 2026
The Business Purpose Declaration, Explained
Why private lenders ask you to sign a business purpose declaration, what it means legally, what counts as a business purpose and why accuracy matters.
25 October 2026
Exit Strategies Private Lenders Accept (and Reject)
The exit is how a private loan gets repaid. Which exits lenders trust, which worry them, how to evidence yours and why a backup plan matters.
25 October 2026
Private Lending Red Flags: 12 Warning Signs
Most private lenders are professional, but some deals carry warning signs. Twelve red flags, from upfront fees to pressure tactics, and what to do instead.
25 October 2026See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
Kept private, not farmed out
Decided on the property