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Private Funding Loans
Private Funds & Funding for Business and Property Loans

Universal Finance can offer the lowest interest rates in Australia on Private Funding, from 6.99% Per Annum. Don't pay the high rates and fees that other lenders are offering in the market. Universal Finance have the lowest rates and fastest settlements in Australia Guaranteed! So for all your Private Funding requirements call Universal Finance.

Universal Finance have been providing Australians with alternatives to the banks and traditional lenders since 1999. We have direct access to thousands of Private Lenders throughout Australia for the more difficult loans. Don't get messed around by other lenders who fail to deliver as promised come direct to the source of funds and save time and money in the process. Our reputation as an industry leader in Private Funding says it all! We believe when the banks say NO Private Funding may be the solution.

Universal Finance has the largest network of private lenders in Australia.

  • Interest rates from 6.99%
  • Loan terms 1 month to 40 years available
  • Principle and Interest and Interest Only repayment options available
  • Access to thousands of Private Lenders for the more difficult loans
  • LVRS Up to 90%
  • Loan amounts From $1000 to $25,000,000
  • Unlimited Arrears and Defaults (Acceptable)
  • Arrears on your current mortgage (Unlimited Arrears acceptable)
  • Fastest settlements and Lowest Interest Rates/Loans Costs Guaranteed! (Settlements within 48-78 Hours possible)
  • Australia's Choice for Private Funding/Private Loans
  • We can lend to 80% LVR on vacant land (rural land is acceptable)
  • Bad Credit acceptable (unlimited defaults and court judgements not an issue)
  • No LMI
  • No Exit Fees
  • No Credit Checks

At Universal Finance we specialise in providing our clients with alternatives to the traditional mainstream lenders. Often referred to as Private Loans, Non Conforming Loans, Solicitor Loans and Low Doc Loans. A lender from our network of private lenders will lend you money based on the equity in your property. We skip all the red tape and paper work involved with traditional lenders and the Banks allowing us to settle very fast where others cannot. These private loans are asset based so if you have equity in a property it is likely our lenders will lend you money. We lend on a range of security properties from Residential, Commercial, Industrial, Rural to Vacant Land and take 1st and/or 2nd mortgages over the property.

Perhaps your property is about to be repossessed, under a warrant of possession or even at point of possession (Call Universal Finance Now, we can save your property from being repossessed and obtain possession back into the property for you. We deal directly with the current mortgagee's solicitors and current mortgagee to hold off the repossession process or obtain possession back into the property for you). We will handle the matter very discreetly and keep you updated at every stage of the process. The highest level of service is our mission.

Universal Finance are the Private Funding specialists in Australia.


  • Businessmen who can not prove serviceability
  • Builders & Developers
  • Home buyers and investors sick of the hassles with the banks and traditional lenders
  • People between homes who need to settle a bridging loan fast
  • People who have a credit history problem
  • People who are currently out of work or between jobs (possibly commenced a new position and seeking finance during a probationary period)
  • People who are on a pension
  • People behind on their mortgage or at point of possession from their current lender
  • People seeking business capital urgently

If you fall into any of the above categories and many more Private Funding may be the solution for you.

Frequently asked questions

What is a private personal loan?

A private personal loan is a loan that’s funded by a private lender, rather than a bank or financial institution. They are often sought by those who’ve been turned down by banks or have bad credit or other issues that stop them from accessing the usual forms of borrowing. However, a private personal loan can also provide a competitive interest rate, which when you use Universal Finance, can be as low as 6.99%.

What are the benefits of private lending?

Private lending has many advantages over using a bank, but what most people like is the flexibility. A bank will often turn you down for a loan, or hike up the interest rate, due to old defaults or county court judgements. You can also be instantly turned down if you don’t meet strict criteria, whereas with a private lender, they’ll look at more than just your credit score. Private lending through Universal Finance can also be a quicker, easier option than traditional routes, as we have many lenders to match you to, and aim for a quick settlement.

How can I get private funding?

Universal Finance make it easy to find private funding. We’re a broker with over 1,000 lenders available, so you make just one application, and we do the hard-working of matching you to them. Private lenders can be individuals or businesses, and they often don’t advertise, rather they work with brokers like Universal Finance and have people referred to them.

Of course, you can also look for private lenders yourself, but they can be difficult to find, and you then have to fill in lots of individual applications, with no guarantee you’ll be accepted at the end of it. Going through a broker simply makes life easier and gives you a much better chance of getting the best possible deal.

How long does it usually take to get private funding?

When you use Universal Finance to find private personal loans, we try to make the process as streamlined and easy as possible, as you will no doubt want the settlement as soon as possible. We can sometimes have the money in your account in just 48-78 hours, subject to getting your paperwork and matching you quickly to a lender. We guarantee that when you use our service, you’ll get the fastest possible settlement and we’ll keep you up to date every step of the way.

What are the interest rates for private funding?

Your interest rate will be calculated on a number of factors, from your credit history to the amount and term of the loan. We aim to give you the lowest interest rate possible and to keep our rates competitive with banks, and our interest rates start at just 6.99%. Because we look at multiple different factors in your application, you’re more likely to get a great rate when compared to traditional banks, who will often hike up your interest rate if there’s anything negative on your credit file.

Nothing is too difficult at Universal Finance.

Caveat Loans Difficult Finance Commercial Loans Privately Funding Bad Credit Lenders Insurance Difficult Loans Complex Mortgages Private Mortgages Business Loans

Don't leave it too late enquire now and see how we can help (03) 9088 8369

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