Compare Private Lenders and Loan Offers Across Australia
Connect with 200+ private lenders, brokers and non-bank finance providers. Get competitive offers for home loans, property development, commercial loans, business finance and more. All for free and in under a minute.
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Why Borrowers Use Private Lenders Instead of Banks
We've revolutionized the lending process by connecting borrowers directly with Australia's largest network of private lenders & brokers.
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Our advanced algorithm connects you with finance providers who specialise in your loan type and location for better conversion rates.
Loan Calculators — Work Out What You Can Borrow
16 calculators covering Australian residential lending and the commercial side most calculators ignore — bridging peak debt, equipment finance and business cash flow.
Serviceability on the asset rather than the borrower - development, construction, bridging, equipment and business cash flow.
ICR & DSCR
Commercial lenders do not assess a property loan on your personal income. They test whether the asset covers its own debt, using the Interest Cover Ratio and the Debt Service Cover Ratio. This calculator produces both and shows the maximum loan each supports.
Development feasibility
Build a residual feasibility for a small development: land, construction, professional fees, finance and contingency into Total Development Cost, then profit measured both on cost and on gross realisation. Includes GST under the margin scheme.
Construction draw schedule
Model a construction loan drawdown stage by stage. Interest is charged only on funds drawn, so the cost builds through the project - this shows the schedule, the interest at each stage and the total capitalised interest by practical completion.
Bridging finance cost
Bridging finance covers the gap between buying and selling. The number that matters is peak debt - the total owed at the worst moment - and whether the sale clears it. This calculator models peak debt, capitalised interest and the end debt you are left with.
Commercial LVR & security
Commercial lenders apply different maximum LVRs by asset type, and often take multiple properties as security. This calculator works out the blended lending value across your security pool and whether it covers the loan you need.
Equipment finance comparison
Compare a chattel mortgage, a finance lease and an operating lease on the same asset. The repayments are often similar - what differs is who owns the asset, when you claim GST, and whether you depreciate the asset or deduct the payment.
Working capital gap
Work out your cash conversion cycle and the funding gap it creates. If you pay suppliers before your customers pay you, growth consumes cash - and the faster you grow, the bigger the hole.
Invoice finance advance
Invoice finance advances a percentage of your unpaid invoices now, and pays the balance when the customer settles. This calculator shows the cash released, the total fee and - most importantly - the effective annual rate, which is usually far higher than the headline discount rate suggests.
SMSF LRBA feasibility
A Limited Recourse Borrowing Arrangement lets an SMSF borrow to buy property, but the fund must service the loan from rent and contributions alone. This calculator tests whether the fund's cash flow stands up, and what liquidity buffer is left.
Repayments, borrowing power, deposit and purchase costs, and the decisions that follow settlement.
Repayment & amortisation
Work out the repayment on an Australian home loan and see exactly how it splits between interest and principal, month by month. Add extra repayments to see how much time and interest they remove.
Borrowing power
Estimate how much an Australian lender would lend you. Lenders assess your repayment capacity at your actual rate plus APRA's serviceability buffer, currently 3.0 percentage points, which is why your assessed capacity is lower than the rate you will actually pay suggests.
Stamp duty by state
Estimate transfer duty on a residential property purchase in any Australian state or territory, plus the other upfront costs that sit on top of your deposit.
LVR & LMI estimator
Work out your loan-to-value ratio and estimate the Lenders Mortgage Insurance premium payable above 80% LVR, including what it costs once capitalised onto the loan.
Offset & extra repayments
See what money in an offset account and extra repayments actually save you. Both reduce interest, but they work differently - an offset keeps the money accessible while extra repayments reduce the debt itself.
Refinance break-even
Work out whether refinancing pays once switching costs are counted, and how many months it takes to break even. Also shows what resetting to a fresh 30-year term really costs.
Split loan comparison
Compare fixing all, part or none of your loan. A split lets you lock in certainty on part of the debt while keeping offset and extra-repayment flexibility on the rest. Test what happens if rates rise or fall.
How to Get a Private Loan Through ADS.finance
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For Borrowers
Why Post Your Loan?
Get access to 200+ finance providers including banks, non-bank lenders, and specialist brokers. Our platform ensures you receive competitive offers tailored to your specific loan requirements.
What You Get:
- Free loan posting and matching service
- Multiple competitive offers within 24-48 hours
- Direct contact with pre-qualified lenders and brokers
- No obligation to accept any offer
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Connect with pre-qualified borrowers actively seeking finance. Our platform delivers high-quality exclusively leads matched to your lending criteria and expertise areas.
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- Detailed borrower information and requirements
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Loan Types Our Private Lenders Fund
From property development to business expansion, our network covers all major commercial and investment lending categories.
Commercial Property Loans
Property Development Finance
Business Loans & Low Doc Business Loans
Truck & Vehicle Finance
Home Loans & Low Doc Home Loans
Asset & Equipment Finance
Construction & Building Loans
Trade & Import Finance
Truck Finance for Owner-Drivers and Fleets
Truck finance funds prime movers, rigids, trailers and specialised transport equipment for owner-drivers and fleet operators. Our lenders fund new and used trucks, private sales and auction purchases, with terms structured around how transport businesses actually earn.
Owner-drivers and first-time buyers
Buying your first truck without years of financials is the hardest step. Non-bank lenders in the network consider ABN holders with limited trading history where the contract or work history supports the repayment.
Used trucks and private sales
Banks frequently restrict older vehicles and refuse private-sale purchases outright. Private and specialist asset lenders will fund both, assessing the asset rather than only the borrower.
Chattel mortgage or lease
A chattel mortgage lets you claim the GST credit on the purchase in your next BAS and depreciate the asset, while a lease spreads the GST across the payments. Which is cheaper depends on your cash flow and tax position.
Fleet and refinance
Existing fleets can refinance to release equity, consolidate multiple contracts onto one facility, or fund an expansion against the assets already owned.
Business Loans, Low Doc and Bad Credit Options
Business finance through the network covers straightforward working capital through to complex secured facilities - including the situations banks decline: short trading history, impaired credit, or income that cannot be evidenced with two years of lodged returns.
Low doc business loans
Verify income with BAS statements, business bank statements or an accountant's declaration instead of full financials. Suited to businesses that are trading well but have not yet lodged returns.
Bad credit business loans
Defaults, judgments or a previous arrangement do not automatically rule you out with a private lender. Security and cash flow carry more weight than the credit file, though the rate reflects the risk.
Small business line of credit
A revolving facility you draw on as needed and repay as customers pay you - the usual answer to a cash conversion cycle where you pay suppliers before you get paid.
Secured and unsecured
Unsecured facilities settle fastest and suit smaller amounts. Secured lending against property or business assets funds larger amounts at materially lower rates.
What Our Customers Say
Don't just take our word for it - hear from successful borrowers who found their perfect loan match.
"Found the perfect development finance lender within 24 hours. The process was incredibly smooth and professional."
"Saved me weeks of research. Got multiple competitive offers for our equipment finance needs."
"The commercial property loan we secured had better terms than our bank offered. Highly recommended!"
Private Lending Questions Answered
The questions borrowers ask most often before posting a loan scenario.
A private lender is a non-bank lender that funds loans from its own capital or from investor funds rather than from retail deposits. Private lenders in Australia are generally faster than banks and set their own credit policy, which is why they can consider borrowers and security types a bank will not - short settlement timeframes, self-employed income, or a property still under development.
Lenders assess your income, less living expenses and existing commitments, at an interest rate about 3 percentage points above the actual rate - the APRA serviceability buffer. In mid-2026 that means being tested near 9.25% to 9.5%. Our borrowing power calculator runs that same test, including credit card limits and HECS-HELP, so you can see the figure a lender would arrive at before you apply.
Yes. A low doc home loan lets a self-employed borrower verify income with an accountant's declaration, BAS statements or business bank statements instead of two years of tax returns. Rates are usually higher than a full-doc loan and the maximum LVR is lower, but for a borrower with strong trading history and no recent returns lodged it is often the practical route.
Many will. Private and non-bank lenders weigh the security and the cash flow more heavily than the credit file, so defaults, judgments or a short trading history are not automatic declines the way they are with a bank. Expect a higher rate and, in most cases, property or asset security.
Private lenders commonly settle in days rather than weeks, and short-term or bridging facilities can be faster still. The timeline is usually driven by valuation and legal work rather than credit assessment, which is where bank timeframes blow out.
Posting your loan scenario is free for borrowers. It takes about 50 seconds, and you receive offers from the lenders and brokers in our network of 200+ finance providers. You are never obliged to proceed with any offer.
Home loans including low doc and self-employed, commercial property, business loans and lines of credit, construction and development finance, truck and equipment finance, asset finance, SMSF loans and trade finance. If a lender in the network funds it, you can post the scenario.
Still deciding what you can afford? Work out how much you can borrow or browse all loan calculators.
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