Private Lenders in Brisbane

thinking about using a private lender in Brisbane?

When you’re stuck waiting on Brisbane banks that keeps moving the goalposts, or just gives you a straight-up no, it’s easy to feel frustrated. That’s why more people are turning to private lenders. We move fast, look at the deal from a real-world perspective, and actually get things done.

At Marway Capital, we’ve helped all kinds of Brisbane borrowers, business owners, investors, self-employed applicants, to secure funding without the usual delays. If the numbers make sense, we find a way to make it happen. Simple as that.

Whether you’re buying, refinancing, or just need a short-term solution, I’ll walk you through why private lending might be exactly what you need.

Table of Contents

Why More Brisbane Borrowers Are Choosing Private Lenders

Brisbane’s market has picked up pace and borrowers don’t always have time to wait around for a bank’s tick-box approach. That’s why private lenders are stepping up to fill the gap.

Brisbane Property Market Moves Fast

When you’re trying to secure a property in Brisbane, timing matters. Whether it’s buying at auction or lining up a settlement quickly, most banks just can’t move fast enough. We can approve and settle much quicker, so you don’t miss out on opportunities.

Bank Borrowing Limits & Red Tape

Even if you’ve got good equity and strong income, banks might knock you back just because you’ve hit their internal lending cap. We’ve seen it happen countless times. As private lenders in Brisbane, we assess the deal on its own merit, not on what a bank’s software spits out.

Flexible Lending for Business Owners & Investors

We work with a lot of self-employed Brisbanites who have solid businesses but can’t produce the full-doc paperwork banks want. Private lending is built for people like this. If your income is seasonal, irregular, or spread across multiple entities, we’re open to creative solutions.

Fast Approvals for Time-Sensitive Deals

Whether it’s a bridging loan, urgent cash-out, or short-term finance, speed is everything. We prioritise fast assessments and quick responses so you can move forward, not sit around waiting on bank policy.

What Can a Private Lender in Brisbane Help With?

Private lenders aren’t just a backup plan, they’re often the smartest option when the banks are dragging their feet or saying no. At Marway Capital, we offer a range of lending solutions that actually match what borrowers in Brisbane need: fast approvals, flexible terms, and real-world options that don’t rely on ticking every box.

Here are some of the most common ways we help:

Bridging Finance

Buying a new property before selling your current one? Private bridging finance is built for exactly that. We offer short-term solutions that help you secure the next home without the stress of tight settlement timeframes or relying on the banks to move quickly. It’s perfect for upgraders, downsizers, and investors dealing with overlapping settlements.

Low Doc & No Doc Loans

If you’re self-employed or don’t have the traditional paperwork banks ask for, we’ve got you covered. Our low doc and no doc loans are designed for borrowers who can clearly show they can repay a loan, just not through full tax returns. We can work off BAS, accountant declarations, or other simplified documents to keep the process quick and smooth.

Refinance & Equity Release

If your bank’s holding you back from accessing equity, or you’re trying to refinance but can’t jump through their hoops, we offer flexible refinancing solutions. Whether it’s for debt consolidation, a new purchase, or unlocking funds for your next project, we move fast to get you what you need without the paperwork blowout.

Short-Term Business Lending

We regularly help Brisbane business owners who need quick access to funds for tax, payroll, stock, or growth opportunities. You don’t need two years of financials or a perfect credit score. If the numbers make sense, we’ll find a way to help you get what you need and get on with business.

When to Use a Private Lender vs a Bank

There’s no one-size-fits-all when it comes to finance. Sometimes the bank is the right fit. Other times, it slows things down or blocks deals that should have gone ahead. Knowing when to use a private lender, and when a bank still makes sense can save you a lot of time, frustration, and missed opportunities.

The Key Differences

Banks are focused on process, paperwork, and strict policies. They’ll offer sharp rates, but only if you meet all their criteria. Full financials, clean credit, stable income, and time.

Private lenders are focused on the deal itself. We look at the asset, the equity, the exit strategy, and the borrower’s overall position. We’re flexible with documentation, faster with decisions, and open to deals that banks won’t touch. You might pay a slightly higher rate, but you gain speed, access, and a better shot at approval when time matters most.

What Type of Borrower is Private Lending Ideal For?

Private lending is often the right call for:

Self-employed borrowers who don’t have full tax returns
Business owners with complex or irregular income
Property investors juggling multiple loans or entities
Borrowers who’ve been knocked back by the bank
Anyone working under tight deadlines like auctions, bridging deals, or urgent refinances

If you’ve been told “no” by your bank, or you just don’t have weeks to wait, a private lender like Marway Capital might be the best option to get things moving. We make decisions based on real-world logic, not a checklist.

Why Work with Marway Capital for Private Lending in Brisbane?

We know how tough it can be dealing with the banks, especially when time’s tight or your paperwork isn’t textbook-perfect. That’s exactly why Marway Capital exists. We’re private lenders who focus on getting real deals done, fast.

With over 40 years of experience across banking, property, and business, we’ve helped countless borrowers throughout Brisbane secure funding when the banks couldn’t or wouldn’t help. Whether you’re self-employed, asset-rich but cashflow-light, or just sick of delays, we’re ready to look at your deal properly.

Here’s what sets us apart:

Fast responses — no waiting weeks for an answer
Flexible loan structures — low doc, no doc, bridging, refinance, business cash out
Personalised service — you’ll deal with decision-makers, not call centres
Competitive pricing — fair rates based on real risk, not red tape
Trusted by professionals — we work closely with brokers, accountants, and advisers across QLD

We’re licensed, transparent, and focused on outcomes. If the numbers make sense, we’ll do everything we can to get the deal over the line. No bank drama, no delay, just smart finance that works.

Contact Marway Capital For a Free Consulation Here

FAQs: Private Lending Brisbane

Who are the top private lenders in Brisbane?

Some of the better-known private lenders operating in Brisbane include La Trobe Financial, Pepper Money, and Liberty, especially for low doc or alt doc lending. However, many borrowers prefer to work with specialist lenders like Marway Capital who can move faster, tailor the loan to your needs, and speak to you like a person, not just another file. We’ve built strong relationships with brokers and clients across Brisbane by focusing on real outcomes, not bureaucracy.

Are private lenders legal in Queensland?

Yes, private lenders are fully legal in Queensland and operate under national lending laws. As long as the lender is properly licensed and follows responsible lending practices (as required by ASIC), private lending is a legitimate and regulated part of the finance market. At Marway Capital, we follow every legal requirement and operate transparently with all borrowers across Queensland, including Brisbane.

Do private lenders charge higher rates in QLD?

In general, private lenders do charge higher interest rates than the banks, but that’s not specific to Queensland, it’s standard across the industry. These higher rates reflect the speed, flexibility, and lower documentation requirements involved. You’re often paying to get a deal done quickly, to avoid missing a settlement, or to access funding when the bank won’t help. At Marway Capital, we keep our rates competitive and fair, and we’ll always walk you through the numbers so you know exactly what to expect.

How fast can I get approved with a private lender in Brisbane?

We’ve approved and settled deals within days, sometimes within 24–72 hours if everything is in order. While every deal is different, we’re set up to move quickly when it counts. This is especially important in Brisbane’s property market where timing can make or break a deal. We prioritise speed without cutting corners, and if your deal makes sense, we’ll let you know fast.

What are the risks of using a private lender?

Like any loan, the risk comes from not understanding the terms or working with the wrong lender. Some private lenders may charge hidden fees or have unclear exit strategies, which can cause issues down the track. That’s why it’s critical to work with someone reputable and transparent. We explain every part of the process up front, and we’re always available to talk through any questions before anything is signed.

How do I know if a private lender is trustworthy?

A trustworthy private lender will take the time to understand your deal, explain everything in plain English, and give you space to decide without pressure. They’ll also be licensed, responsive, and have a history of working with brokers, accountants, and financial advisers. Marway Capital has been trusted by professionals across Brisbane because we keep things clear, move quickly, and genuinely care about getting the right result for our clients.

Can I use a private loan for business cash flow or tax debt?

Yes, and we do this regularly for Brisbane business owners. Private loans can be used to manage ATO obligations, clear tax debt, purchase stock, fund wages, or support working capital during quieter periods. If your bank won’t help or wants too much paperwork, a private lender can step in with a fast, flexible solution that’s built around your current position and future plans.

*Conditions Apply. For company borrowers with ACN for business purposes*

Private Lenders Brisbane: Fast Finance When the Banks Say No