Who it suits
- Business owners needing working capital
- Investors acting on an opportunity
- Borrowers awaiting longer-term finance
- Applicants with complex circumstances
Asset-Backed Private Credit
Short-Term Property-Backed Lending
Short-term, asset-backed lending arranged for Australian businesses and investors.
Short-term property-backed lending provides interim capital secured against real property, used for opportunistic or time-sensitive needs. Private Credit AI helps arrange these facilities for borrowers who need flexible, asset-backed funding.
Security
- Mortgage over commercial or residential property
- Security position depends on the transaction
- Exit via refinance, sale or cash flow
Typical use cases
- Interim finance between facilities
- Opportunistic acquisitions
- Working capital secured by property
- Funding before a refinance
Documents you may need
- Property valuation
- Title and existing mortgage details
- Exit strategy
- Supporting transaction or business information
The enquiry process
Submit an enquiry
Tell us about your asset, requirement and timing.
Review & indicative options
We assess the security and outline indicative options.
Valuation & due diligence
The security is valued and due diligence completed.
Settlement
The facility is documented and settled.
Indicative only. Timing and terms depend on the asset, security and due diligence. See our rates page for general pricing guidance.
Frequently Asked Questions
What security is required for short-term lending?
Funding is secured by a registered mortgage or caveat over real property. The security position (first or second mortgage) and loan-to-value ratio depend on the asset, the transaction and your exit strategy.
What documents will I need to provide?
Typically we ask for a current property valuation, certificate of title, details of any existing finance, and information that supports your exit strategy. We confirm the exact document list after reviewing your enquiry.
How quickly can short-term lending be arranged?
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.
Is short-term lending suitable for my situation?
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.
Does Private Credit AI lend directly?
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.
What are the next steps to enquire?
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.
These answers are general information only and do not constitute an offer of finance. See our disclaimer and FAQ page.
Related finance solutions
Explore other asset-backed private credit options for Australian borrowers.
Ready to discuss your requirement?
Submit an enquiry and we’ll review your asset and situation before outlining indicative options.