Commercial finance across property, business and asset lending, for the deals banks won't fund, or can't fund in time.
Strong deals stall every day. Not on merit, but on timing, structure or a credit policy that won't bend. Bring us the scenario the bank declined, or can't move on in time, and we find the funding, structure the exit, and get it done.
Years inside lender credit teams mean we see your deal the way the people approving it will, then package it to come back with a yes.
One desk between you and the whole market of private-credit and commercial funders, matched to your deal rather than a fixed panel.
Indicative terms in 24 to 48 hours, dealing direct with the people who actually make the decision.
The deals banks won't touch. Funded on the merits of the asset and the exit, not a credit policy.
Lending secured against real property and judged on equity, security and a clear exit.
Direct property lending, priced for certainty over red tape.
Release the equity sitting behind your current loan.
Fast capital for when a single day decides the deal.
Buy the next property before the last one sells.
Funding built around the finished project, not your balance sheet.
Progressive funding that keeps the build moving.
Close the gap between your equity and senior debt.
Refinance finished stock and sell on your timeline.
Approved on equity and exit, not paperwork.
Working capital and growth funding, shaped to how you earn rather than a quarterly bank review.
Growth capital with nothing of yours tied up.
Keep trading through every season and surge.
Funding that keeps pace with your trading.
Repayments that rise and fall with what you earn.
Turn tomorrow's card sales into capital today.
Clear the ATO and protect your bank standing.
Get paid the day you invoice.
Turn your receivables into a living line of credit.
Fund the goods before payment falls due.
Take the order that's bigger than your bank balance.
Vehicles, fleet and machinery funded, with repayments matched to what each asset earns.
The right vehicles on the road without spending your cash.
Grow the fleet and keep freight moving.
Get the tools of your trade while keeping your cash.
Heavy assets funded to match the work they win.
A business owner needed equity out of two industrial properties to fund a third, and the bank's timeline would have killed the deal.
A 38-lot DA-approved site under contract, with the bank saying no on serviceability. We funded against the as-is land value, interest capitalised.
Developer with 14 finished townhouses and a construction loan falling due. We refinanced onto an 18-month facility with a staged sales exit. No fire sale.
Investor won an off-market site at auction on a 30-day settlement the bank couldn't meet. We bridged against their unencumbered home to protect the deposit.
Examples are illustrative and may be anonymised. Outcomes depend on security, LVR, borrower profile, valuation, exit strategy and lender approval.
Nine years inside the funders who price and approve these deals, now working your side of the table. Across property, business and asset finance, that edge has driven $1.8 billion in pipeline in the last 12 months: first and second mortgages, refinances, development funding and multi-asset structures.
Paste the deal. We'll structure it.
We'll review the security, LVR, exit and borrower profile, then come back with likely next steps.
Supporting documents? Email loans@oppositelending.com
Urgent settlement? Call 0431 571 045
Call or email and we'll tell you straight if we can help, usually the same day.
Brokers: co-broke or refer, splits agreed upfront and your client stays yours.
What we collect. When you send a scenario through the form or email us supporting documents, we collect your name, contact details, deal details, and any supporting documents you share (security details, loan statements, contracts, valuations, financial information, identification).
Why we collect it. So we can assess whether your scenario is viable, match it with suitable lenders or funders, and progress the deal.
Who we share it with. Information may be shared with third-party lenders, funders, valuers, lawyers or referral partners for the purposes of assessing and progressing your scenario. We do not sell your information.
Documents you email us. Supporting documents are sent by email to loans@oppositelending.com and are received and stored for assessment. Treat the email channel as you would any sensitive document transfer.
Storage and security. We take reasonable steps to protect your information, but no method of transmission or storage is completely secure.
Access, correction and deletion. You can request access to, correction of, or deletion of your information at any time by emailing loans@oppositelending.com.
Contact. Questions about this policy can be sent to loans@oppositelending.com.