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LOOKING FOR ALTERNATIVE LENDERS AUSTRALIA CAN RELY ON WHEN THE BANKS SAY NO?
When it comes to borrowing, alternative lenders in Australia can be a game-changer, especially when the banks just don’t come to the party. Whether you’re self-employed, maxed out your borrowing capacity, or dealing with a complex financial situation, going down the traditional route doesn’t always work. That’s where we come in.
At Marway Capital, we specialise in helping Australians access fast, flexible finance through trusted alternative lending solutions. We’re here to make sure you don’t miss out on an opportunity just because a big bank couldn’t keep up.
Why Work With Marway Capital as Your Alternative Lender in Australia?
We’re not a bank, and that’s exactly why our clients choose us. We specialise in alternative lending that puts flexibility, speed, and real-world problem-solving first. If you’ve hit a wall with traditional lenders, we’re here to give you options. We’re not tied to rigid lending criteria. Instead, we look at the full picture and structure loans around your needs, not just a checklist.
Here’s what makes us different:
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Fast Turnarounds: We move quickly to get you an answer, often within 24 hours.
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Creative Loan Structuring: No two clients are the same. We build solutions that actually fit.
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Personalised Support: You deal with real people who understand the Australian lending landscape and care about getting you across the line
Should You Use An Australian Alternative Lender?
Alternative lenders in Australia aren’t for everyone, but for the right person at the right time, they can be a powerful solution. If you’ve been let down by a major bank or need a fast, flexible approach, it might be time to consider one.
Let’s break it down:
When to Use Alternative Lenders?
We often work with people who’ve been told “no” by the banks, but that doesn’t mean they’re not a good borrower. Alternative lenders step in when:
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You’re self-employed or don’t have traditional income proof
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There’s bad credit history or past defaults
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You need quick settlement to close a deal fast
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You’re dealing with a unique property or non-standard loan request
- You’ve maxed out your borrowing capacit
In these situations, alternative lenders can offer a real lifeline, giving you access to funds without jumping through endless hoops.
When to Avoid Alternative Lenders?
While we love what we do, we’re always upfront: alternative lending isn’t the right fit for every situation.
You may want to avoid it if:
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You qualify easily with a bank and can secure a lower interest rate
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You don’t need funding urgently and are happy to wait for approval
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You’re uncomfortable with slightly higher rates in exchange for flexibility
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Your loan scenario is very straightforward and ticks all the bank boxes
How the Loan Process Works
We’ve simplified the process to make it fast, clear, and stress-free. When you work with Marway Capital, you’re not just another application in a queue, you’re a real person with real goals, and we treat you that way. Here’s how we make alternative lending in Australia work for you:
Quick Pre-Assessment
It all starts with a chat. We take the time to understand your needs, what you’re trying to achieve, and where the banks may have fallen short.
You won’t need to pull together endless paperwork, we only ask for what’s relevant. This step helps us determine if alternative lending is the right fit and gives you clarity straight away.
Loan Structuring & Lender Matching
Once we understand your scenario, we start crafting a loan solution that fits.
This includes:
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Choosing the right loan type
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Structuring the deal so it suits you
We’ll present the options clearly and talk you through the pros and cons. You’ll always know where you stand and what to expect.
Settlement & Ongoing Support
When everything’s good to go, we move fast to get the deal across the line. We are used to acting quickly, which means you will be funded in just a few days, or sooner.
But our support doesn’t stop there. Whether you need help down the line with refinancing, restructuring, or future finance needs, we’ll be in your corner. Long-term relationships matter to us.
List of Alternative Lenders in Australia
There’s no shortage of lending options once you step outside the big banks. Here’s a list of well-known alternative lenders in Australia:
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Marway Capital – A private lender specialising in fast, flexible loans for Australians who don’t meet standard bank criteria. We focus on property, business, and short-term finance when timing and structure matter most.
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Liberty Financial – Offers home loans, car loans, and personal finance with flexible documentation requirements.
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Pepper Money – Known for supporting borrowers with non-traditional income or credit histories.
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Bluestone – Focuses on self-employed borrowers and complex income structures.
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La Trobe Financial – Offers credit-impaired, SMSF, and specialist mortgage options.
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Resimac – Competitive rates and a wide range of home loan products for various borrower profiles.
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Plenti – Peer-to-peer platform offering personal, car, and green loans.
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SocietyOne – P2P lender providing unsecured personal loans for debt consolidation or major purchases.
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Moula – Offers quick, unsecured loans to Australian businesses with data-driven assessments.
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Prospa – A go-to for short-term business loans and working capital solutions.
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OnDeck – Provides fast business loans with simple online applications.
This list shows just how many paths are available when you’re not limited to the big banks.
FAQs About Alternative Lenders in Australia
Why avoid alternative lenders?
Alternative lenders aren’t always the best fit for everyone. In general, you might avoid them if you can qualify easily with a bank and want the absolute lowest interest rate possible. Alternative lender charge slightly higher rates to offset the extra risk they’re taking on. That said, for the right situation, especially when banks say no, they can be a far better option than missing out altogether.
What is the difference between traditional lenders and alternative lenders?
Traditional lenders (like the big four banks) have strict rules, long approval times, and little room for flexibility. Alternative lenders in Australia, on the other hand, assess each application on its own merits. They’re more open to self-employed borrowers, complex deals, unusual properties, and low documentation loans. They also move faster, something banks are notoriously bad at.
Are alternative lenders regulated in Australia?
Yes, many alternative lenders in Australia are regulated by ASIC and follow responsible lending practices. While private lenders may not be under the exact same structure as banks, reputable ones (like Marway Capital) still operate with clear guidelines, transparency, and ethical lending practices. It’s always important to deal with professionals who understand compliance and put your interests first.
Is alternative lending safe?
Alternative lending is safe when you’re working with experienced, reputable lenders. The key is understanding the terms, knowing what you’re agreeing to, and making sure you’re working with someone who’s transparent. At Marway Capital, we prioritise honesty and clarity—no nasty surprises, no hidden traps.
How fast can I get funding?
One of the biggest advantages of working with alternative lenders in Australia is speed. With us at Marway Capital, we can often provide conditional approval within 24 to 48 hours and settle the loan in just a few days, depending on the complexity of the deal. That’s a huge advantage if you’re under time pressure or need to act fast on an opportunity.
*Conditions Apply. For company borrowers with ACN for business purposes*
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