“85% LVR” does not mean 85% reaches your account.
Property-secured business finance is the fastest money in the market and the easiest to misread. The LVR is almost always quoted gross — the fees and the whole term’s interest sit inside the number. Ask for the net advance in dollars, because that is the only figure that matters.
Free. You are never invoiced. Specialist. This lane only goes to brokers who write it weekly.
If any of this is your week
These lenders are not assessing you. They are assessing the property and the exit.
“I need settlement in a week and the bank needs a month.”Speed is what this end of the market sells. It is also what it charges for.
“There is equity in the property but the financials are not there.”No financials, no tax returns, sometimes no credit check. The property carries it.
“The rate looked fine and then the fees appeared.”Establishment, legal, valuation and exit fees are the least-disclosed part of this market.
The deciding factor in this lane
The deciding factor is the exit. Not the equity — the exit.
Private lenders are repaid by a sale or a refinance on a date, not by the business trading its way out. If neither is realistic on the timeframe, the debt compounds against the equity and a forced sale becomes the plan by default rather than by choice.
Tool 01 in the Smart System asks these directly, so the answers are already in your brief before a broker rings. That is most of the difference between a first call that goes somewhere and one that starts from scratch.
Three numbers to ask for, in dollars, before you agree to anything
The net advance. What actually lands in your account after everything is deducted. Not the facility limit, not the LVR — the cash.
The fees, itemised. Establishment, legal, valuation, settlement, and the exit or discharge fee. In dollars, not percentages.
The payout figure at month three. On a capitalised facility this is often the number that surprises people, and it tells you more than the rate does.
A lender who will not put those three in writing is telling you something useful.
Get these together first
What a lender in this lane will ask for
Having these ready is worth more than a better pitch. It is also the difference between an answer this week and an answer next month.
Who this lane goes to
Usually a Problem Solver.
Matched from the Advance Network when your brief is a property file. See what the five kinds of broker actually do →
What we hold them to: they write files like yours every week, not occasionally. They read your brief before the first call. They will tell you “not yet” and say what would change it. And no lender has paid to be on their panel or in our Network — there is nothing to buy.
Send a property-secured brief
Tell us the situation in your own words.
A few lines is enough to start. Nothing goes to a lender and no credit check is run from this form — sending it starts a conversation, not an application.
Keep learning
Finance Field Guide
See how this product sits on the lending ladder, what a credit assessor is actually testing, and how the answer changes by business type. Open the field guide →