Frequently Asked Questions

Private credit is asset-backed finance provided by non-bank capital. It is typically secured against real property and assessed on the asset and exit strategy, which can suit borrowers whose income, structure or timing does not fit standard bank serviceability models.

Funding is secured by a registered mortgage or caveat over real property — usually commercial, industrial, retail or residential. The security position (first or second mortgage) and loan-to-value ratio depend on the asset, the transaction and your exit strategy.

Typically a current property valuation, certificate of title, details of any existing finance, and information supporting your exit strategy. Development and construction facilities may also require a feasibility study, planning approvals and builder quotes. We confirm the exact list after reviewing your enquiry.

Timing depends on the asset, the security structure and how complete your documentation is. Private credit can often be arranged more quickly than conventional bank finance, but we provide an indicative timeframe only after reviewing your situation. We do not guarantee a settlement time.

These solutions may suit business owners, company directors, property investors and self-employed borrowers whose circumstances make standard bank finance difficult — for example, complex ownership structures, tax-effective income, or cross-border assets.

Private Credit AI helps arrange and connect borrowers with asset-backed private credit solutions. We are not a deposit-taking institution, and any facility is subject to the security, due diligence and terms agreed with the relevant capital provider.

Submit an enquiry via our contact page or start an application. We review your situation and outline indicative options before any valuation or due diligence begins.

Our rates page provides general, risk-adjusted pricing guidance. Actual pricing depends on the asset, security and transaction, and is confirmed only after your enquiry is reviewed.