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(02) 9173 7220
Clear Finance Logo
(02) 9173 7220
(02) 9173 7220

Private Lending

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When the Banks Say No,
We Find a Way

Private lending is designed for clients who need a fast, flexible solution, especially when traditional lenders won’t help.
Whether you’ve fallen behind on tax obligations, are facing business cashflow issues, or have been declined due to poor credit or income irregularities, Clear Finance can help you.
We partner with private lenders and family offices to provide alternative finance solutions for clients in difficult or complex situations. We look beyond your credit score and focus on your overall position, assets, and potential.

Who Private Lending Is For

Private lending may be suitable if you:
  • Have a large ATO debt
  • Have been declined by banks due to credit or financials
  • Need urgent funding but don’t meet policy requirements
  • Have substantial equity or assets but can’t show regular income
  • Need a short-term solution as a stepping stone back to traditional finance

A Real Solution for Real Problems

At Clear Finance, we specialise in helping clients rectify financial problems, not just patch over them. We don’t walk away when things get complicated, we work to understand your situation and present it to lenders who are open to flexibility.
If you’ve been told “no” by every bank or broker you’ve spoken to, we may still be able to help.

What Makes Us Different?

  • We work with private lenders and family offices, not just banks or non-bank institutions
  • We assess the full picture including your asset position, not just income
  • We act quickly, with flexible funding timelines
  • We offer short to medium-term loans designed to stabilise your situation
  • We help you transition back to mainstream lending over time

How We Helped a Client Bounce Back

A recent client came to us with over $300,000 in unpaid ATO debt. No lender would help. But he had strong property equity and a clear plan to recover. We sourced a private lending solution, helped him consolidate debt, and set him up with a future refinance strategy. Today, he’s back in control and bankable again.

Frequently Asked Questions

What is private lending?

Private lending is non-bank finance, typically funded by investors or family offices, designed for clients who don’t qualify for traditional loans. It’s commonly used for short-term funding, business turnaround, or debt resolution.

Who are family offices?

Family offices are private wealth groups that manage the investments of high-net-worth families. Some family offices offer lending services as part of their investment strategy — providing flexible terms not available from banks.

Is private lending a long-term solution?

Not usually. It’s a short to medium-term option used to resolve urgent problems. Our goal is to help you stabilise, then refinance back to traditional lenders as soon as you’re eligible.

How fast can a private loan be approved?

Private lending can often be approved much faster than bank loans — sometimes within a few days — depending on the lender and your documentation.

Have more questions?

Visit our FAQ’s page to find out more or ask one of us directly?
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Let’s Rectify the Problem, Not Walk Away From It

If you’ve been knocked back by lenders, and you’re not sure what’s next Clear Finance may be able to offer a real, strategic solution.
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