Our Services
Australian businesses don’t always fit the bank’s box. Ezi PL connects you with private and non-bank lenders who work with the full picture — fast, flexible finance for businesses that need to move.
Caveat or Second Mortgage Loans
Have equity in your home? A caveat or second mortgage loan lets you unlock it without refinancing your primary mortgage — fast, flexible funding to stabilise cash flow, back a project, or seize an opportunity.
First Mortgage Loans
Own your property outright? Use it to your advantage. A first mortgage loan gives you access to business finance secured against your freehold property — available to start-ups and established businesses alike.
Cash Flow Loans
Cash flow gaps wait for no one. Our unsecured cash flow loans come with minimal paperwork and settlement in as little as 1–3 business days — ideal for wages, stock, tax obligations, or any pressing business need.
Lines of Credit & Overdrafts
Only pay for what you use. A line of credit gives you a pre-approved limit to draw from on demand, while an overdraft keeps your account covered when timing doesn’t align. Flexible funding that moves with your business.
Asset & Equipment Loans
Get the equipment you need without tying up working capital. Asset finance covers trucks, vehicles, IT hardware, farming equipment, yellow goods, and more — so your business keeps moving without missing a beat.
Invoice Financing
Stop waiting 30, 60, or 90 days to get paid. Invoice financing unlocks the value of your outstanding invoices now, giving you the cash flow to cover suppliers, wages, and day-to-day costs without delay.
Fast Settlement
Funds delivered in as little as 24–48 hours
Difficult Financing
Bad credit, defaults & arrears considered
Streamlined Process
Less back-and-forth, faster to the finish line
Less Paperwork
Simple process so you can focus on business
Frequently asked questions
What is a private lender loan?
A private lender loan is an alternative financing solution accessible to both individuals and businesses. Rather than dealing with the strict requirements of traditional banks, a private lender loan allows borrowers to access funds through specialty and non-bank lenders, including individuals, privately owned companies or contributory funds backed by investors.
A private lender loan is typically asset-backed, with real estate being the most common form of collateral. This structure provides security for the lender while giving borrowers quick access to capital for a range of financial needs, including business expansion, property development, and bridging finance.
For businesses in Australia seeking private lenders for business loans, there are numerous options available. Our team have the expertise and industry connections to help you find the right private lender loan tailored to your financial needs and objectives.
How can I access private lenders loans?
Securing private lenders loans is a flexible and efficient alternative to traditional bank financing, making it an excellent option for businesses needing quick access to capital. Whether you’re looking to fund cash flow, purchase equipment, or fuel business expansion, partnering with an experienced private lending broker can simplify the process and help you secure tailored loan terms.
At Ezi PL, our team of private lending brokers will connect you with a diverse panel of specialty and alternative lenders, ensuring you find the right private lenders loans for your unique financial needs. We understand the lending criteria and can negotiate favourable terms on your behalf, even if you have a complex financial situation, such as a less-than-perfect credit history, defaults, or arrears in mortgage and council rates.
Looking for expert guidance? Contact Ezi PL today to work with a trusted private lending broker and secure the funding you need to succeed.
What are the benefits of private lending?
Private lending offers businesses a flexible, fast and accessible financing alternative to traditional bank loans. Whether you’re a startup, a small business, or operating in a niche industry, working with a private lender enables you to access solutions tailored to your individual needs.
• Tailored financing solutions: Unlike the strict criteria of banks, a private lender can provide a higher degree of customisation, with options designed to align with your business’s unique projects and growth plans.
• Fast & efficient funding: With minimal red tape and streamlined approval processes, private lending provides quicker access to capital, allowing businesses to seize opportunities and bridge financial gaps without unnecessary delays.
• Flexible & inclusive criteria: A private lender evaluates businesses based on their overall potential rather than rigid credit scores or industry limitations. This makes private lending an ideal solution for startups, small businesses, and those often overlooked by traditional lenders.
• Personalised service & support: Beyond financing, a private lender builds strong relationships with borrowers, offering dedicated support, financial expertise, and strategic guidance to help businesses grow and succeed.
Can I get a business loan with bad credit?
Yes — bad credit doesn’t automatically mean no. At Ezi PL, we work with a panel of private and non-bank lenders who assess your application based on the full picture, including the equity you hold, your business circumstances, and the strength of your security. If you’ve been declined by a bank, we may still be able to help.