Private Lending Across Australia.
Fast, flexible private loans from $500K to $5M, secured by property and built for borrowers, brokers, developers and business owners across Australia.
For urgent settlements, construction, commercial finance, refinancing and short-term funding needs.
Rates From - p.a.
8.59%
LVR up to*
70%
Loans from
500K
Fast turnaround*
24/48
Our Private Lending Services
First Mortgage Loans
Property-backed lending secured by a first-ranking mortgage over real estate.
First mortgage loans may suit borrowers seeking fast private finance for business funding, property settlement, refinance, investment opportunities or short-term capital needs.
Second Mortgage Loans
Access available equity while keeping an existing first mortgage in place.
Second mortgage loans may assist with business capital, construction gaps, debt restructure, urgent settlements, refinance pressure or short-term liquidity.
Construction Loans
Flexible private funding for builders, developers and property owners.
Construction loans may support site acquisition, progress funding, completion works, cost overruns, project delays, residual stock or development-related cash flow.
Commercial Loans
Private lending for business owners, investors and commercial borrowers.
Commercial loans may assist with working capital, commercial property purchase, business expansion, supplier payments, debt restructure or time-sensitive opportunities.
Emergency Funding
Fast review for urgent funding situations where timing is critical.
Emergency funding may assist with settlement deadlines, creditor pressure, expiring facilities, refinance delays, legal deadlines or business-critical cash flow needs.
Short-Term Finance
Flexible funding designed for temporary capital needs with a clear exit strategy.
Short-term finance may help bridge timing gaps, stabilise a financial position, complete a transaction, release equity or create time to arrange longer-term finance.
Mezz Funding
Additional funding support for suitable property, construction and development scenarios.
Mezz funding may assist where senior debt alone does not cover the full requirement, including project completion, equity gaps, cost overruns or development funding shortfalls.
All Other Private Lending
Have a private lending scenario that does not fit neatly into one category?
Prospera Capital can review a wide range of property-backed funding needs across Australia and advise whether a suitable structure may be available.
Who We Work With
Prospera Capital works with borrowers, brokers and property-backed clients across Australia.
We commonly assist:
Mortgage brokers
Business owners
Property investors
Developers
Builders
Commercial borrowers
Self-employed borrowers
Borrowers with complex structures
Clients needing fast settlement or urgent funding
Private lending is often used when timing matters, documentation is complex, or a standard lender cannot move quickly enough.
Australia-Wide Private Lending.
Prospera Capital considers suitable property-backed lending scenarios across Australia.
We may consider security in major metropolitan areas, regional centres and selected property markets, subject to valuation, asset type, liquidity, loan-to-value ratio and exit strategy.
Our national approach allows us to support borrowers and brokers who need fast, practical private lending without being limited to one city or state.
How Our Process Works.
1. Send Your Scenario
Tell us the loan amount, security property, purpose of funds, timeframe and proposed exit strategy.
2. Initial Review
We assess whether the transaction may be suitable based on the property security, borrower position, urgency and lending structure required.
3. Indicative Terms
4. Due Diligence
Valuation, legal review, documentation and final checks are completed before settlement.
5. Funding
Once conditions are satisfied, funds are advanced in line with the approved loan structure.
Where the scenario fits, we may provide indicative terms so you can understand the likely loan structure.
“Prospera Capital helped us secure funding when the bank process was moving too slowly. The team understood the urgency, explained the structure clearly, and helped us move forward with confidence.”
– Michael Tran,
Business Owner
What our clients say?
testimonials
“Prospera Capital gave us a clear answer quickly and helped structure a private lending solution for a client with a complex scenario. The communication was direct, practical, and professional.”
“We needed short-term funding to keep a project moving, and Prospera Capital understood the deal from a commercial perspective. Their approach was fast, flexible, and focused on the outcome.”
– Sarah Mitchell
Mortgage Broker
– Daniel Roberts,
Property Developer
Why Choose Prospera Capital?
Fast Scenario Review
Private lending is often time-sensitive. We aim to review suitable scenarios quickly and provide clear guidance early in the process.
Flexible Lending Structures
We consider transactions that may not fit standard bank policy, provided there is suitable property security and a clear repayment strategy.
Property-Backed Focus
Our lending is secured by real property, allowing us to assess the strength of the asset and the broader transaction.
Frequently asked questions
How fast can private lending be arranged?
Private lending can often move faster than traditional bank finance, but timing depends on the security, valuation, legal review and complexity of the loan. Prospera Capital reviews suitable scenarios quickly and provides guidance where the transaction fits our lending criteria.
What can I use a private loan for?
Private loans may be used for urgent settlements, business funding, construction projects, refinance pressure, commercial opportunities, short-term cash flow, development funding or other property-backed lending needs.
Do I need property security?
Yes. Prospera Capital generally provides loans secured by real property. This may include residential, commercial, industrial, development, land or selected regional property, subject to assessment.
Can I get funding if the bank has said no?
Possibly. Private lending may be suitable when a borrower has strong property security but does not fit traditional bank policy or needs funding faster than a bank can provide. Each scenario is assessed individually.
What is an exit strategy?
An exit strategy is the planned way the loan will be repaid. This may include refinance, property sale, settlement proceeds, project completion, business cash flow or another confirmed repayment source. Private lending is usually short-term, so the exit is important.
Do you work with brokers?
Yes. Prospera Capital works with brokers across Australia and welcomes broker-introduced scenarios for first mortgage, second mortgage, construction, commercial, emergency, short-term and mezz funding.
Need Private Funding?
Whether you need to settle quickly, refinance an existing loan, complete a project, release equity or access business capital, Prospera Capital can review your scenario.
Private Lending Australia
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All loans are subject to assessment, approval, valuation, legal review, lender requirements and applicable lending criteria. Information on this website is general in nature and does not constitute