Why choose our Private Lending Services?
At Provident Lending & Business Solutions, we specialise in providing quick and flexible private lending solutions tailored for business owners, sophisticated investors, property investors and developers.
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Our services are designed to offer you the funds you need with minimal hassle, ensuring you can seize opportunities and overcome financial hurdles with ease.​​​
Benefits of our Private Lending Services
🔸Fast access to funds: Quickly secure the capital you need to fuel your business ventures
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🔸Secured property: Loans backed by residential or commercial property assets
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🔸Flexible exit strategies: Customise your repayment plan with options like asset sale or refinancing.
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🔸Tailored Finance Solutions: From bridging finance to debt restructuring, our services are designed to meet your unique needs
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🔸Ethical Fees: Flat Fee service. ensuring our costs don't exorbitantly increase your finance costs

Who can benefit?
🔸Business owners in Australia
Access quick funding to expand and manage cash flow
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🔸Sophisticated investors
Secure flexible financial support for diverse investment opportunities
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🔸Property investors and developers
Obtain the capital necessary for large-scale projects
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Understanding Secured Private Finance
Property Secured Private Finance
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Property secured finance involves loans backed by the value of real estate assets.
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These loans are secured by a first registered mortgage over a residential or commercial property in a metropolitan area.
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Loan amounts typically range from 50% to 80% of the property value, as determined by a licensed valuer.
Asset Secured Private Finance
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Asset secured finance involves loans backed by tangible, movable assets such as vehicles, trucks, trailers, equipment and boats.
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The loan is secured by placing a charge over the asset, which can be warehoused by the lender.
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Loans can extend up to 80% of the asset's value, based on a valuation by a licensed valuer.
Our Simple and Efficient Process
🔸Initial consultation via phone/video or face to face
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🔸Submission of application
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🔸Assessment of security and exit strategy
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🔸Quick approval and fund disbursement
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🔸Ongoing support and guidance
Why use a Provident Broker to arrange a Private Loan?
Utilising a broker like Provident ensures access to multiple lenders, allowing us to recommend the best fit based on policies, rates, and fees.
Unlike others, we do not charge large brokerage fees; instead, we offer a flat fee for our services based on a clear and fair scale.
This approach reflects our commitment to developing long-term relationships with our clients, focusing on sustained success rather than maximizing profit from a single transaction.
We remain engaged to ensure a smooth exit from your private loan, whether through refinancing or asset sale.

Frequently Asked Questions
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​What is a private loan? A private loan is a flexible, unregulated financing option provided by private lenders, typically secured against real estate or high-value assets​
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Who can apply for a private loan? Business owners, sophisticated investors, property investors and developers with ABN registration
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How is the value of the security determined? A licensed valuer assesses the market value of the property or asset to determine it's worth.
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What types of security can be used for a private loan? Residential or commercial property and high value assets like vehicles, equipment and boats.
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What is the loan-to-value ratio (LVR) for private loans? Typically 50% to 80% for property and up to 80% for assets.
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How quickly can funds be accessed with a private loan? Funds can often be accessed within days to a few weeks.
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What are the typical uses for private loans? Bridging finance, residual stock funding, debt restructuring and stock purchase.
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What fees are associated with private loans? Mandate fees, valuation fees and legal fees.
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How is a private loan repaid? Based on the exit strategy, such as sale of the security for refinancing.
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What are the benefits of choosing a private loan over traditional bank loans? Speed, flexibility, less stringent requirements and higher LVR.
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What are your fees to provide this service? Many private loan brokers look to maximise their brokerage fee from each transaction. We believe in ethical and long -term relationship with our clients and therefor charge a flat fee that scales based on the loan size and complexity. Our fees are disclosed prior to you engaging with us and range from a minimum of $1,000+GST for loans up to $50,000 and maximum of $10,000 Plus GST for loans over $1mil. Provident will not charge a fee in excess of 2% of loan amount and our fees can be added to the loan amount or paid via invoice or in a combination of these depending on your circumstance.