Private Lending Specialists

Millard Financial connects borrowers and businesses with Australia's private lenders, private mortgage lenders and private money lenders, securing fair pricing, fast turnarounds and finance solutions banks won't touch. Trusted by clients nationwide, including private lending specialists serving Melbourne.

Get Started

MILLARD FINANCIAL

With over 15 years of experience, we secure competitive finance solutions for businesses and individuals across Australia.

LENDERS IN OUR NETWORK

50+

YEARS EXPERIENCE

15+

LOAN APPROVAL TURNAROUND

24hr

Private Lending Solutions

Whatever the private funding you need, a private mortgage, private home loan, private business loan or short-term private finance. We find the right private lender and negotiate the right terms.

Private Mortgage Lending

Private Business Loans

Private Commercial & Property Loans

Renovation & Construction Lending

Private Mortgage Lending

First and second mortgage private loans for purchase, equity release or refinance, arranged through vetted private mortgage lenders across Australia.

Learn more

Private Business Loans

Private business lenders providing capital for expansion, acquisitions, cashflow and working capital — including private lending for start-ups with the right story.

Learn more

Private Commercial & Property Loans

Private commercial loans and private lending for commercial property, structured for developers, investors and business owners nationwide, including Melbourne.

Learn more

Renovation & Construction Lending

Private lending for renovation and construction projects where banks require more time or documentation than the project allows.

Learn more

testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

GET IN TOUCH

I had finance approval in 24 hours and the deal settled in 48 hours, meaning I could collect my new car in just 2 days. I cannot recommend his professional and thorough services highly enough.

Leanne Gibbs

Grow Business Development, Gold Coast QLD

When the banks stopped our growth, Millard Financial got us the trucks and equipment we needed to take on the big jobs. Marcus makes obtaining machinery simple and fast. He is quite simply the growth tool your business needs.

Michael Edmonds

GDE Tree Services, Brisbane.

Marcus and his team made the entire finance process simple from start to finish, securing a very competitive rate while I focused on running my business. He takes his service to another level and I wouldn't use anyone else.

Peter Sanders

Airport Transfer Solutions

testimonials

What they say about Us?

Here’s what they shared about their experience working with our team.

GET IN TOUCH

I had finance approval in 24 hours and the deal settled in 48 hours, meaning I could collect my new car in just 2 days. I cannot recommend his professional and thorough services highly enough.

Leanne Gibbs

Grow Business Development, Gold Coast QLD

Michael Edmonds

GDE Tree Services, Brisbane.

Peter Sanders

Airport Transfer Solutions

frequently asked questions

Frequently Asked Questions from clients exploring private lenders, private mortgages and private business loans in Australia.

What is Private Lending?

Private lending is finance provided by private lenders and private money lenders rather than a bank. Loans are assessed on the security and story behind the deal, which allows for faster, more flexible decisions on private mortgages, private business loans and short-term funding.

How do private lenders differ from banks?

Private lenders move faster than banks, weigh the security or asset more heavily than a credit score, and can structure loans around bad credit, complex income or urgent settlement timeframes. Banks typically require more documentation and longer approval periods.

Can I get a private home loan or private mortgage with bad credit?

Yes. Many private home lenders and private mortgage lenders in our network will consider applicants with defaults, arrears or an inconsistent credit history, provided there is sufficient equity or security in the property.

What interest rates do private lenders charge?

Private lending interest rates typically sit above bank rates, reflecting the flexibility, speed and risk private lenders take on. Millard Financial negotiates fair pricing in line with elite private lending standards — your full financial situation is reviewed before any offer is accepted.