Tell us about your deal
Two minutes, no documents needed yet.
Sydney private lending facilitator
Private funding for business deals from $500,000
Arranged by a firm that knows the funder’s side. We don’t lend money. We match your deal with the private funder most likely to back it, and present it the way funders want to see it.
Business purpose loans only. No documents needed to start.
Deals from$500,000Business purpose only
How it works
Four simple steps to your funding
Get your application pack
If it fits, we send the mandate and application form the same day, and help you set out your exit strategy.
We take it to the right funders
Your file goes only to the funders whose appetite matches your deal.
You choose, we settle
You pick the terms that suit you and we manage it through to settlement.
Our experience
Experience from the funder’s side of the table
Our principal has over ten years in the industry, including time on the funder’s side as a BDM for a private lender, and has been part of teams that have settled more than $3 billion. We know what funders need to see, so we structure and present your deal in a way that gives it the best chance of approval.
Business purpose lending only | Sydney based
More about usCore lending
What we fund
Business purpose loans from $500,000, secured by Australian property.
Commercial property
Buy, refinance or release equity from commercial property for your business.
Residential property, for business purposes
Residential property as security for a business purpose loan. Not for buying or refinancing a home to live in.
Property development
Funding from site to sale, including mezzanine funding and residual stock.
Construction
Private construction funding when the bank’s conditions don’t fit the project.
We can also support land, industrial, retail, office, rural, healthcare, hospitality, childcare, NDIS and SDA housing, retirement living, student accommodation, social and affordable housing, and service stations.
We work with a wide panel of private funders.
See everything we fundCore loan types
Loan types we arrange
01
See all loan typesBusiness loans secured by property
Release equity from property to fund a business need.
02Short term business loans
Property secured business funding for a set period, with a clear exit.
03Second mortgages
Unlock equity behind your existing first mortgage without refinancing it.
04Caveat loans
Fast, short term funding secured by a caveat over property you own.
05First mortgage bridging
Short term funding secured by a first mortgage while you sell, refinance or complete.
06ATO and tax debt
Clear a tax debt or creditor pressure using property equity.
A better route to funding
5 reasons to come to us instead of going to a lender yourself
A choice of funders, not one lender’s rules
Go to a lender yourself and you get one lender’s policy, one appetite and one set of terms. We take your deal to the private funders whose appetite suits it, so you’re not limited to the first door you knock on.
Your deal, presented the way funders assess it
Our principal has worked on the funder’s side, so we know what funders look for. We structure your deal and prepare the story, the numbers and the supporting documents before it goes out, so the questions funders ask are answered upfront.
A strong exit, built in from the start
Funders lend against how they’ll be repaid. We help you shape a credible exit, with evidence and a backup plan, before any funder sees your deal.
One conversation, not ten
You tell your story once. We handle the conversations with funders, so you’re not filling in form after form or explaining your situation to lender after lender.
We compare terms and negotiate for you
When offers come back, we compare them side by side and negotiate where there’s room. You see every cost, including our own, before you decide.
Clear from the start
Transparent, published fees
Our facilitator fee is 1.1% including GST of the loan amount, with a $10,000 minimum, paid at settlement. The $4,400 mandate fee, paid when you choose to proceed with a funder’s term sheet, comes off that fee, so you never pay twice. A $440 application fee covers preparing your application. All amounts include GST.
See how our fees workPlan the repayment
Your exit strategy: the most important part of a private loan
Private loans are short term by design, so every funder starts with the same question: how will this loan be repaid? Your answer is your exit strategy, and it matters more than almost anything else in your application. A strong property and a good story won’t carry a deal with a weak exit.
A credible exit answers three questions:
How will you repay?
For example, by selling the property or completed stock, refinancing to a bank or non bank lender, from business cash flow, from a tax refund, or when another deal settles.
When?
A realistic date, with a buffer in case things take longer than planned.
What’s the backup plan?
A second way out if plan A is delayed. Funders take real comfort from one.
We help you shape and evidence your exit before your deal goes to funders. That can mean lining up the contract of sale, an agent’s appraisal, a lender’s indicative approval, your accountant’s cash flow forecast or whatever else proves the plan. A well evidenced exit is one of the strongest things you can bring to a funder.
Example scenarios
Deals we can help with
An ATO debt with a deadline
A trading business owes the ATO and the owners hold equity in a commercial property. A short term second mortgage could clear the debt while they restructure.
Finished units, slow sales
A developer has completed stock and the construction loan is due. Residual stock funding could buy time to sell at the right price instead of discounting.
A settlement that can’t slip
A business is buying its premises and the bank’s approval won’t arrive in time. First mortgage bridging could complete the purchase, with the bank loan as the exit.
For referrers
For brokers, accountants and solicitors
When a client’s deal falls outside what the banks and your usual lenders will do, send it to us. We place business purpose deals from $500,000 with private funders and keep you in the loop from first call to settlement.
How we work with referrersQuestions
What to know before you start
Is Olivaeus Advisory a lender?
No. We’re a facilitator. We don’t lend our own money. We take your deal to private funders, present it properly and help you choose the best terms on offer.
What size deals do you work on?
From $500,000 upwards, for a business purpose.
Why does the exit strategy matter so much?
Because it’s how the funder gets repaid. Private loans are short term, so a clear, evidenced exit, with a backup plan, is often what decides whether a funder says yes and on what terms.
Do you arrange home loans or personal loans?
No. We only arrange business purpose finance. If your loan is for personal or household use, we’re not the right fit, and we’ll tell you so.
What’s needed to get started?
Just the basics: how much you need, what it’s for, the property you can offer as security, when you need the money and how you plan to repay it. No documents at the first step.
Your next step
Tell us about your deal
Five quick questions. No documents yet. We’ll come back to you with an honest view.