Understanding Non-Bank &
Private Business Lending
Non-bank and private business lending offers flexible alternatives to traditional bank finance — but it's not always the right solution for every business.
At Business Finance Group, we help business owners understand how alternative finance works, what's required, and whether it's the right fit before making any funding decisions.
What Is Non-Bank & Private Business Lending?
Non-bank and private lenders operate outside traditional banks and assess applications based on asset security, cashflow, risk profile and exit strategy — rather than rigid lending policies.
This allows for faster approvals, tailored loan structures and greater flexibility for businesses with non-standard circumstances.
What Do Lenders Typically Look For?
All non-bank and private lenders have different criteria, these include the following variables:
Asset security (property, vehicles, equipment or business assets)
Clear purpose for the funds
Repayment strategy or exit plan
Business cashflow or income source
Overall risk profile
When This Type of Finance May Be Suitable
- Declined by traditional banks
- Time-sensitive purchases or settlements
- Short-term or bridging finance needs
- Asset-rich but cashflow-tight
- Higher-risk or non-standard industries
When It May Not Be the Right Fit
- Long-term, low-interest funding needs
- No asset security
- Situations where bank lending is achievable
If alternative finance isn't the right option, we'll tell you — and help you understand your alternatives.
Unsure if this type of finance is right for you?
Speak with Business Finance Group for a confidential, obligation-free discussion.
Tell us how we can help