In property and development, speed is often the difference between securing a great opportunity and missing out.
The challenge? Traditional bank processes are slow, rigid, and often out of sync with the pace of the market. That’s where private lending comes in and why it’s becoming the go-to choice for savvy developers and investors.
What is Private Lending?
Private lending refers to finance sourced from private investors or non-bank institutions rather than the big banks. This model allows for more flexibility in assessing loan applications, faster decision-making and funding timelines that match the urgency of real-world deals.
At AMF, our private lending solutions are backed by experienced lenders and investment partners, giving you access to significant capital without the red tape.
The Speed Advantage
Banks typically take weeks, sometimes months to assess and approve property finance. Private lenders, on the other hand, can approve and settle within days. For developers, this can be the difference between:
- Securing a prime site or losing it to a competitor
- Keeping a project on schedule or facing costly delays
- Capturing a market opportunity before it disappears
AMF regularly works with clients on tight deadlines, delivering settlements in as little as 48 hours for urgent transactions.
Flexibility That Works in Your Favour
Private lenders aren’t bound by the same rigid credit policies as banks.
This means we can:
- Work with borrowers who have complex income structures
- Fund projects with unique or non-standard characteristics
- Offer low doc and no doc options for self-employed borrowers
- Structure deals around the project, not just the paperwork
When Private Lending Makes Sense
Private lending isn’t just for urgent deals, it’s ideal for any scenario where flexibility and speed matter, including:
- Bridging finance between transactions
- Site acquisition funding
- Short-term development finance
- Refinancing to release equity
- Mezzanine funding for large-scale projects
Transaction Example
A client identified a high-potential commercial site with a settlement deadline of just 10 business days. The bank’s timeline made it impossible to proceed. AMF arranged approval and funded the purchase within the required timeframe, allowing the project to move ahead and secure a profitable resale.
Why Work With AMF?
We combine private capital flexibility with the professionalism and experience you would expect from an institutional lender.
Our clients benefit from:
- Direct access to decision-makers
- National reach across Australia
- Tailored loan structures for each project
Transparent communication from application to settlement
If you’ve got a property opportunity and the clock is ticking, talk to AMF Finance today. Our private lending solutions are designed to help you move fast — and with confidence.