Fast responses. Multiple options. Private lenders that fit your deal.
Providence Capital works with borrowers to get you quick answers and competitive options from our network of private lenders across Australia. Rates from 8%+ p.a. with competitive fees — and we present multiple offers so you can compare. We also lend directly from our own account when you need capital fast.
Rates from 8%+ p.a., competitive fees, and real options
We get you fast responses and competing offers from private lenders — with interest rates starting from 8%+ p.a. and transparent, competitive fee structures. We also lend from our own account when timing is critical.
We get you options from private lenders — fast
We work directly with you to understand your funding requirements, then present your transaction to multiple private lenders from our curated network at the same time. Interest rates start from 8%+ p.a. with competitive, transparent fees — and because you get competing offers to compare, you're never stuck with a single lender's pricing. Our focus is on speed: we aim to have indicative responses from lenders within 72 hours so you know where you stand quickly.
Need an answer today? We lend from our own account
When you can't wait for external lender approvals, Providence Capital also lends directly from our own managed fund capital. This is our fastest route to funding — indicative terms often available within 48 hours, with settlement in as little as 5 business days. We use our own-account lending for time-sensitive deals, bridging while private lender approvals are being processed, or transactions that need bespoke structuring no external lender will accommodate.
Options on your desk fast — here's how it works
We know borrowers need answers quickly. Our process is designed to get you indicative responses from private lenders within 72 hours — and even faster from our own account.
Tell Us About Your Deal
We start with a quick conversation about your requirements — loan amount, purpose, security, and timeline. We respond to every enquiry within 24 hours and advise you on the best path: private lender placement, our own account, or both.
We Approach Multiple Lenders
We present your deal to the most suitable private lenders from our network simultaneously — not one at a time. This gives you multiple options to compare and creates competitive tension that drives better pricing. For our own-account loans, we assess and respond internally within 48 hours.
Options & Negotiation
We present you with the lender responses and indicative terms — typically within 72 hours. Rates start from 8%+ p.a. and we negotiate competitive fees on your behalf. You choose the option that best fits your deal, and we handle the final terms before coordinating documentation.
Fund & Settle
Your loan is funded and settled. For our own-account loans, this can be as fast as 5 business days. For private lender placements, settlement typically takes 2–6 weeks. We remain your single point of contact throughout the life of the facility.
What we can help you finance — rates from 8%+ p.a.
We arrange private loans for a wide range of business purposes — through our lender network and from our own account. All with competitive rates starting from 8%+ p.a. and transparent fee structures.
Bridge & Short-Term Loans
Fast private finance for time-sensitive situations — settlement bridging, auction purchases, deposit funding, and short-term working capital. Available from our own account or through our network of private lenders, with terms from 1 to 12 months.
Property Development Finance
We help property developers across Queensland and Australia secure private loans for land acquisition, construction, pre-sales bridging, and residual stock. We work with specialist property lenders and also fund directly from our own account.
Acquisition & Leveraged Finance
Private loans to fund business acquisitions, management buy-outs, and leveraged transactions. We arrange funding through private credit providers and can also bridge from our own account to meet tight acquisition timelines.
Mezzanine & Subordinated Debt
Second-ranking private loans to fill the gap between senior debt and equity. We connect borrowers with private credit funds and mezzanine specialists, and provide mezzanine facilities from our own account with flexible repayment structures.
Healthcare & Aged Care Loans
We help aged care operators, medical centres, and healthcare businesses access private lenders who understand the sector — including RAD dynamics, AN-ACC funding, and healthcare-specific cash flows. We also lend directly for aged care facility acquisitions and expansions.
Commercial & Business Loans
General-purpose private loans for working capital, equipment, expansion, and refinancing. We match you with the right private lender for your situation — or lend from our own account when speed or flexibility is the priority.
The private lenders we work with
We maintain relationships with a curated network of private capital providers across Australia. We match each borrower with the lenders best suited to their deal.
Our network spans the full spectrum of private lending in Australia — from institutional private credit funds managing billions in assets, to specialist non-bank lenders focused on specific sectors or transaction types. We've pre-vetted every lender for reliability, speed of response, and fair dealing with borrowers.
When we present your deal, we approach multiple private lenders at the same time — because our clients deserve options, not a single offer. This competitive process consistently delivers rates from 8%+ p.a. and more favourable fee structures. Most borrowers receive their first indicative responses within 72 hours. And for deals that need an even faster answer, Providence Capital lends directly from our own managed fund account.
Apply for private lending →Private Credit Funds
Institutional private debt providers for first mortgage, mezzanine, and larger facility requirements. Typically $5M+ with competitive pricing.
Non-Bank Lenders
Specialist non-bank financiers with broader credit appetite and faster processing than banks. Ideal for complex or non-conforming situations.
Specialist Financiers
Private lenders focused on specific sectors — property development, healthcare, aged care, equipment, and trade finance.
Family Offices & Private Investors
Select private capital sources for unique opportunities. Often more flexible on structure and security than institutional providers.
Providence Capital — Own Account
Direct lending from our managed fund capital. Fastest execution in our network — indicative terms in 48 hours, settlement from 5 business days.
Private lending FAQ
Fast responses, real options, and our own capital behind it
Providence Capital is a Brisbane-based private lending firm built around one principle: borrowers deserve fast answers and real options. We maintain a curated network of private credit funds, non-bank lenders, and specialist financiers across Australia — and when you come to us, we don't send your deal to one lender and wait. We approach multiple lenders at the same time, get you competing indicative terms, and present your options clearly so you can make the best decision for your business.
What makes us different is that we also lend directly from our own managed fund account. This means we can provide immediate capital for time-sensitive transactions, bridge funding gaps while private lender approvals are underway, and fund deals that require bespoke structuring that external lenders may not accommodate.
Our leadership team brings over 15 years of experience across financial services, aged care, healthcare, and real estate. We are an established Australian private lending firm and a member of the Australian Institute of Company Directors network. We serve borrowers across Queensland, New South Wales, Victoria, and the broader Asia-Pacific region from our Brisbane office at 804/10 Market Street, Brisbane City QLD 4000.
Fast Responses
We respond to every enquiry within 24 hours. Indicative options from private lenders typically on your desk within 72 hours.
Multiple Options
We approach multiple private lenders at once — so you get competing offers to compare, not a single take-it-or-leave-it term sheet.
Own-Account Lending
We also lend directly from our managed fund capital — the fastest route when you need certainty or an immediate answer.
Established Since 2016
Australian private lending firm with over 15 years of principal investment experience across financial services, healthcare, and real estate.
Rates from 8%+ p.a. — get your options within 72 hours
Tell us what you need — loan amount, purpose, security, and timeline. We respond to every enquiry within 24 hours and aim to have indicative options with competitive rates and fees on your desk within 72 hours.
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