Specialist lending for real-world scenarios
If you need funding for a purchase, business, cash flow, or a time-sensitive opportunity — and the bank process is too slow or too rigid — we’ll map out private lending options, explain the true cost, and make sure there’s a clear exit plan.
Bank, non-bank and private lending options — matched to your scenario
We source finance across major banks, specialist non-banks and private lenders, then lay out the options in plain English — including rates, fees, security requirements and the exit plan — so you can make a confident decision.
If your deal doesn’t fit standard bank policy (or the bank process is simply too slow), we’ll tell you quickly whether a specialist or private solution is realistic — and what it would take to make it work.
Our Private Lendings options include:
Every scenario is different. Tell us what you’re trying to achieve and we’ll confirm what’s realistic, what it costs, and what the exit plan needs to look like.
Why Choose Pilbara Finance
Straight answers, clear options, and an initial review without a credit check — so you understand what’s realistic before you commit.
Clear options, not confusion
We compare options across bank, non-bank and private lenders and explain the trade-offs in plain English — so you can make a confident decision without getting buried in jargon.
Matched to your priorities
It’s not always about the lowest rate. We balance speed, flexibility, policy fit and total cost to find the most suitable path for your scenario — and we’ll be upfront about what each option involves.
No credit check to start
We can usually provide an indicative view based on the basics without running a credit check. If you choose to proceed to a formal application, a credit check may be required depending on the lender and product.
A simple process, start to finish
Tell us the basics, we’ll review the scenario, then we’ll map the most suitable options — including costs, timing, and what needs to happen next.
Step 1 — Start with a quick enquiry
Send through a short summary of what you need and your timeframe. We’ll ask a few key questions to understand the purpose, the amount, and what security (if any) is available.
Start your enquiry →Step 2 — We review and confirm what’s realistic
We’ll look at the scenario, likely lender fit, and the cleanest path forward. In many cases we can provide an indicative view without a credit check to start. If you choose to proceed to a formal application, a credit check may be required depending on the lender.
Discuss your scenario →Step 3 — We structure the right option
If the deal stacks up, we’ll structure the application and guide you through requirements, timeframes and conditions — with clear visibility on rates, fees and total cost, plus the exit strategy.
Request next steps →Private lending, explained clearly
Private lending and specialist non-bank finance can be a useful option when a traditional bank isn’t the right fit — whether that’s because of timing, documentation, credit history, business structure, or the type of deal you’re doing.
At Pilbara Finance, we look at the full picture first: what you’re trying to achieve, what security is available (if any), and how the loan will be repaid. Then we’ll explain the most realistic pathways, including the total cost (rates + fees), the conditions, and the trade-offs — so you can make an informed decision.
In many cases, private lending works best as a short-term solution: bridging a gap, meeting a deadline, or creating a clean runway to refinance into a longer-term product once the situation stabilises.
If you’d like, send us a quick summary of what you need and your timeframe — and we’ll come back with a clear view on whether private lending is suitable, and what the next steps would look like.
Bank, non-bank and private lending — explained clearly
What does Pilbara Finance do?
- We help individuals and business owners secure funding through banks, specialist non-bank lenders, and private lenders — depending on the scenario.
- If your application doesn’t fit standard bank policy (or the timeframe just isn’t workable), we can explore specialist options and talk you through:
- what’s realistic,
- what it will cost (rates + fees),
- what security is required (if any), and
- what the exit plan looks like.
What are private lenders?
Private lenders are specialist funding providers outside the major banks. They typically assess deals based on security, risk, and repayment strategy, and can be used when a bank option isn’t suitable — often as a short-term solution.
Private lending isn’t one product, and it isn’t right for everyone. Our job is to explain the options and the trade-offs clearly before you move forward.
Benefits of non-bank and private lending
| # | Benefit | Description |
|---|---|---|
| 1 | Faster turnaround (in some cases) |
Indicative answers can often be provided quickly, especially when timing is critical. |
| 2 | More flexibility around structure and documentation |
Some lenders will accept alternative documentation or work with more complex scenarios. |
| 3 | A solution when banks can't assist |
If a bank says no due to policy or timing, specialist lending can sometimes provide a pathway — usually with higher cost and tighter terms. |
Benefits of standard bank finance
- Lower overall cost in many cases (rates and fees),
- Longer terms and broader product features,
- More familiar lending structures for straightforward applications.
We’ll always consider bank options first where they’re suitable — and only recommend specialist or private lending when it genuinely makes sense.
Low Doc non-bank finance & specialist private lending
What is a low doc loan?
A “low doc” loan is a type of finance where the lender may accept alternative documentation instead of the full set of financials a traditional bank usually requires. It’s commonly used by self-employed borrowers or businesses where tax returns and financial statements don’t reflect current trading.
Low doc doesn’t mean “no checks” — it simply means the evidence can look different depending on the lender and the scenario.
What will I need to provide?
- BAS statements (often recent quarters)
- Accountant’s letter (confirming trading / income position)
- Other supporting docs (case by case)
Can you do “no doc” private lending?
The term “no doc” is often used loosely. In reality, most lenders will still need some level of information — the difference is that specialist lenders may place more weight on security, overall risk, and the exit strategy, rather than a full traditional bank document pack.
If your documentation is limited, we can assess whether a specialist option is realistic, explain the likely costs and conditions upfront, and outline the cleanest pathway to a longer-term solution if that’s the goal.
Private & non-bank finance — when you need a different lane
Private and non-bank finance can be a good fit when timing is tight, the structure is complex, or a standard bank process doesn’t match the scenario. The key is being clear on the purpose, the security (if any), and the exit strategy — then choosing the right lender lane.
- 1
Clarify the purpose and timeframe
- 2
Confirm your position (without overloading paperwork)
- 3
Choose the right lane (bank vs non-bank vs private)
- 4
Build the exit plan and structure the deal
What’s the money for, how quickly do you need it, and what does success look like? A clear purpose and timeline helps us choose the right product type from the start.
We’ll ask for the minimum needed to assess feasibility — usually around income/cash flow, existing debts, and any available security. Some lenders accept alternative documentation depending on the scenario.
Not every lender is suited to every situation. We’ll match your scenario to the right lender type, then explain the trade-offs: pricing, fees, terms, conditions, and speed.
Private funding is often short-term. We’ll map the cleanest exit — refinance, sale, payout, or business cash flow — and structure the application so the lender can say yes or no quickly.
If you want an indicative view, send us a quick enquiry and we’ll come back with the most realistic options and next steps.
Private lenders & non-bank finance — why broker it through Pilbara
Specialist finance is all about choosing the right lane and structuring the deal cleanly. We’ll tell you what’s realistic, what it costs, and what’s required — before you waste time going in circles.
- 1
Broad lender access — bank, non-bank and private
- 2
Fast indicative guidance (where possible)
- 3
Straight advice and clean structuring
We work across multiple lender types so you’re not limited to one policy or one approval pathway. That means we can match the lender to your scenario — not force your scenario to fit a lender.
When timing matters, we can usually provide an indicative view quickly based on the fundamentals. If it’s viable, we’ll outline the likely terms, costs, and what’s needed to proceed.
Initial review can often be done without a credit check; a formal application may require one depending on the lender.
We’ll keep it practical: trade-offs, conditions, total cost, and the exit plan. Then we structure the application so the lender can assess it efficiently — reducing back-and-forth and delays.
If you’d like us to review your scenario, send a quick enquiry and we’ll come back with the most realistic options and next steps.
Private lending & specialist non-bank finance
At Pilbara Finance, we help clients access funding through banks, specialist non-bank lenders and private lenders — choosing the lane that best fits the scenario, the timeframe, and the documentation available.
This can include property-related lending (residential and commercial), business and cash flow funding, short-term solutions, or more complex structures where standard bank policy doesn’t fit. Our role is to keep it clear and practical: what’s realistic, what it costs, what security is required (if any), and what the exit plan looks like.
If you’re not sure which option applies to you, send us a short enquiry with the basics. We’ll come back with a straightforward view on the most realistic pathways and the next steps.
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Hey! Connect us with (08) 9122 3929, or email us through office@pilbara.finance, or fill the following form. We will contact you back within 1 hour or prior.
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