Property-backed transactions considered nationally.
Private property & business finance
Private Property Finance for Complex and Time-Critical Deals
Zip Funding structures short-term, bridging, development and business-purpose finance secured by Australian property.
Clear credit feedback. Practical structures. Defined exit strategies.
All finance is subject to security, lender criteria, assessment, valuation, documentation and approval.
Commercial judgementStructure the security, leverage, cash flow and exit.
Facility range$100K–$30M*
Security1st & 2nd mortgages
CoverageAustralia-wide
Finance by borrower situation
Start with the transaction—not a product label.
Choose the situation closest to yours. The final structure will depend on purpose, timing, security position, supporting evidence and the proposed exit.
01→
Move Before the Bank Can
Bridging and short-term property finance for urgent purchases, settlements and refinancing.
Explore bridging finance02→
Unlock Property Equity
First mortgages, second mortgages, caveat facilities and business-purpose equity release.
Explore private mortgages03→
Fund a Development
Site acquisition, construction, cost overruns, completion and structured capital.
Explore development finance04→
Exit a Construction Facility
Residual-stock and development-exit finance with progressive property releases.
Explore development exit finance05→
Refinance a Difficult Position
Arrears, expiring facilities, private-lender refinances and non-standard credit situations.
Explore private credit06→
Fund Business Growth
Working capital, tax obligations, acquisitions and equipment where suitable security is available.
Explore business financeRepresentative transaction structures
See how a funding request is framed.
These examples demonstrate structure and credit logic. They are illustrative only and do not represent individual client outcomes.
Development completion facility
- Facility
- $1.25 million
- Security
- First mortgage
- Leverage
- 68% completed-value LVR
- Purpose
- Complete works and refinance an expiring facility
- Exit
- Progressive townhouse settlements
Business-purpose equity release
- Facility
- $420,000
- Security
- Second mortgage
- Leverage
- 69% combined LVR
- Purpose
- Short-term working capital behind a bank
- Exit
- Business refinance
Residual-stock refinance
- Facility
- $2.1 million
- Security
- Four completed townhouses
- Leverage
- Approximately 66% LVR
- Purpose
- Refinance construction debt
- Exit
- Agreed releases as stock settles
What makes a scenario fundable?
A lender looks beyond the headline property value.
A strong transaction aligns the security, requested leverage, cash-flow treatment and exit with the purpose and required term.
Security
What is the property worth today, what debt already exists and how readily could the security be sold?
Leverage
Is the requested facility appropriate against current value, completed value or project cost?
Cash flow
Can interest be serviced, prepaid or capitalised within the available security position?
Exit
Will the loan be repaid through sale, refinance, settlements or another evidenced event?
A strong asset alone does not automatically make a strong transaction. The amount, purpose, term and exit must work together.
Why Zip Funding
Commercial structuring with a defined path forward.
Zip Funding helps frame the transaction, identify the evidence required and approach finance pathways that may fit the actual circumstances.
Direct scenario assessment
Start with the complete position, including the pressure points.
Multiple funding pathways
Bank, non-bank and private-credit options considered where relevant.
Commercial judgement
Structure the transaction rather than relying on automated scoring alone.
Clear costs and conditions
Understand proposed rates, fees, evidence and conditions before proceeding.
Practical settlement management
Coordinate information, valuation and documentation around the required timing.
Exit defined at the outset
Establish the repayment pathway before committing to short-term debt.
Inside the Zip Funding deal desk
Turn a complicated story into a clear credit brief.
A funding request becomes easier to assess when the facts are separated from the noise. We reduce the transaction to four decision points and identify what must be evidenced next.
Difficult does not automatically mean unfinanceable. It means the structure, evidence and exit must be unusually clear.
Bring us the full scenarioSecurity
Property, accepted value, location, title, existing priorities and available equity.
Requirement
Amount, purpose, required date, facility term and the consequence of delay.
Cash flow
Serviced, prepaid or capitalised interest and the evidence supporting that treatment.
Exit
Sale, refinance, development settlements or another credible and time-bound event.
✓Outcome: a lender-ready transaction summary.Submit the essentials →
How it works
From scenario to settlement in five clear stages.
The process begins with the essential figures and becomes more detailed only when a realistic lender pathway has been identified.
Submit the scenario
Purpose, amount, timing, security, debt and intended exit.
Receive credit feedback
Identify likely fit, information gaps and key constraints.
Review the structure
Consider indicative leverage, term, pricing and conditions.
Progress assessment
Valuation, formal approval, legal documents and conditions.
Settle and manage exit
Complete funding and monitor the agreed repayment pathway.
Latest insights
Practical reading for time-sensitive finance decisions.
Clear explanations of structure, risk and the questions worth asking before proceeding.
How to Choose Short-Term Commercial Loans
Compare private, bridging and short-term commercial finance, including risks, costs and lender questions.
Read the guide →How a Commercial Bridge Loan Can Help
Understand how bridging finance may support purchases, settlements and short-term transaction gaps.
Read the guide →Bank Loans vs Private Lender Loans
A side-by-side comparison of process, flexibility, pricing and evidence requirements.
Read the comparison →Initial scenario assessment
Have a transaction that does not fit standard bank policy?
Send the security, existing debt, funding requirement, timing and exit strategy for an obligation-free initial discussion.