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.

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

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.

Millard Financial was outstanding to deal with. From start to finish, they were professional, responsive, and genuinely committed to getting the best result. Their knowledge and industry relationships really show, and the level of service went well beyond expectations. I’d highly recommend Millard Financial to anyone looking for a finance team that truly goes the extra mile.

Tara Campbell

Found Millard Financial online. Had a very unique and challenging circumstance wit my business. Marcus and his team worked around the clock going above and beyond to assist me. Had already sought help from other brokers but had no luck. Millard Financial found me unbelievable rates and terms that only years of knowledge and relationships with lenders would be able to provide. Extremely honest and efficient work. Couldn't recommend Millard Financial anymore.

Dakota Jordaan
Diesel Fitter, Self Employed

Highly recommend — we've used Millard Financial multiple times and each experience has been seamless. Marcus is efficient, reliable, and always gives 110%, helping us out of some very tight situations. Wouldn't go anywhere else! Thanks Marcus.

Krystle McCarthy
CEO, One House Builders

Highly recommend Marcus from Millard Financial, from start to finish he was exceptional. I thought I was a difficult candidate to get finance on a new work van, how wrong i was. Marcus had me approved and settled in 4 days with a great deal. Thanks very much for looking after me Marcus.

Tim Schofield
Owner, Derwent Distributers

Can't rate any higher, great guy to chat to, very informative and on time. Made it breeze help with machinery loan. Cheers mate/ just got a another loan through Marcus again after 5 years same great service seriously can't go wrong.

Nick Bird
Owner, Cockatoo Fencing

Prompt, professional and well connected to deliver the most competitive rates

Wayne Gooch
CEO, Treesafe Australia

Fast efficient and informative. A pleasure to use Millard Finance again. Thanks again

Dyson Wood
Scorpio Screens and Blinds

We honestly couldn't recommend you more highly. Your customer service is absolutely amazing. You make what can sometimes feel stressful so easy and smooth, and we always feel supported every step of the way.
You truly go the extra mile — always answering our questions, explaining everything clearly, and making sure we feel confident and comfortable with every decision. Nothing is ever too much trouble, and that level of care means so much.
We are so incredibly grateful for your professionalism, kindness, and genuine dedication. It's rare to find someone who cares as much as you do. Thank you for everything you continue to do for us — we truly appreciate you more than words can say.
God bless you, your family and your business : )

Blessings, Craig & Kendall Seddon

Kendall Seddon
EO, LUVME

Millard Financial was able to quickly secure equipment finance for an excavator for our family business when all other banks and brokers had told us they couldn't help. This is now the third time I've used Marcus and it's just so easy. Thanks! Jess and Josh.

Josh

Marcus is such a professional. Everything went smoothly, and he answered every question I wasn't sure of. I'd recommend Marcus 100% if you're looking for finance with a smooth transaction and full transparency. Thanks, Marcus.

David Kissell
testimonials

What they say about Us?

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

Millard Financial was outstanding to deal with. From start to finish, they were professional, responsive, and genuinely committed to getting the best result. Their knowledge and industry relationships really show, and the level of service went well beyond expectations. I’d highly recommend Millard Financial to anyone looking for a finance team that truly goes the extra mile.

Tara Campbell

Can't rate any higher, great guy to chat to, very informative and on time. Made it breeze help with machinery loan. Cheers mate/ just got a another loan through Marcus again after 5 years same great service seriously can't go wrong.

ick Bird
Owner, Cockatoo Fencing

Highly recommend Marcus from Millard Financial, from start to finish he was exceptional. I thought I was a difficult candidate to get finance on a new work van, how wrong i was. Marcus had me approved and settled in 4 days with a great deal. Thanks very much for looking after me Marcus.

Tim Schofield
Owner, Derwent Distributers

Highly recommend — we've used Millard Financial multiple times and each experience has been seamless. Marcus is efficient, reliable, and always gives 110%, helping us out of some very tight situations. Wouldn't go anywhere else! Thanks, Marcus.

Krystle McCarthy
CEO, One House Builders

Prompt, professional and well connected to deliver the most competitive rates

Wayne Gooch
CEO, Treesafe Australia

Fast efficient and informative. A pleasure to use Millard Finance again. Thanks again

Dyson Wood
Scorpio Screens and Blinds

Found Millard Financial online. Had a very unique and challenging circumstance with my business. Marcus and his team worked around the clock going above and beyond to assist me. Had already sought help from other brokers but had no luck. Millard Financial found me unbelievable rates and terms that only years of knowledge and relationships with lenders would be able to provide. Extremely honest and efficient work. Couldn't recommend Millard Financial anymore.

Dakota Jordaan
Diesel Fitter, Self Employed

We honestly couldn't recommend you more highly. Your customer service is absolutely amazing. You make what can sometimes feel stressful so easy and smooth, and we always feel supported every step of the way.
You truly go the extra mile — always answering our questions, explaining everything clearly, and making sure we feel confident and comfortable with every decision. Nothing is ever too much trouble, and that level of care means so much.
We are so incredibly grateful for your professionalism, kindness, and genuine dedication. It's rare to find someone who cares as much as you do. Thank you for everything you continue to do for us — we truly appreciate you more than words can say.
God bless you, your family and your business : )

Blessings, Craig & Kendall Seddon

Kendall Seddon
CEO, LUVME
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.
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