Business Loans
Release property equity for business working capital.
Turn equity in property into the cashflow your business needs to operate and grow — property-secured, placed across our panel.
Working capital, secured by property you own.
Good businesses still hit cashflow walls — a big order to fund, a slow debtor, a seasonal dip. As a brokerage rather than a lender, X Private places deals, it doesn't fund them: we arrange property-secured working capital finance and place it with the right funder from our panel of 50+ non-bank and private lenders, turning equity in property into the cash your business needs.
Securing the facility against property typically means a larger amount and a sharper rate than unsecured business lending, with terms structured around how your business actually trades. This is business-purpose finance for owners with an ABN and real property security.
Where a bank sees a slow re-approval, we see a fast placement. We give you an indicative answer within 24 hours and structure the facility — first or second mortgage — around the equity available and your repayment plan.
Why arrange working capital through X Private.
Larger, sharper than unsecured
Property security typically unlocks a bigger facility and a better rate than unsecured business lending.
Up to 90% LVR
Release more of your property equity, assessed on the security and your business.
1st or 2nd position
Raise a fresh first mortgage, or a second behind your existing loan to leave it untouched.
Fast access
Indicative answer in 24 hours and settlement in days when the equity is clear.
Structured to your trading
Terms and repayments built around your cashflow cycle, not a rigid bank template.
Lenders the banks aren't
Complex income or a tight timeframe — we place facilities the banks move too slowly to do.
What the working capital funds.
Property-secured capital for genuine business needs. Common uses:
- Funding a large order or contract
- Bridging slow-paying debtors
- Covering a seasonal cashflow dip
- Buying stock or inventory at scale
- Payroll and operating costs during growth
- Smoothing lumpy or project-based income
- Taking advantage of a supplier discount
- General working capital for an operating business
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we place property-secured working capital with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. This is working capital for a business, secured by property — not a consumer or owner-occupied home loan.
Property security generally unlocks a larger facility and a sharper rate than unsecured business lending. If you have equity and a genuine business need, it's often the most cost-effective way to raise working capital.
Yes. We can arrange a second mortgage that sits behind your current loan, so you access working capital without disturbing a good first-mortgage rate.
You'll have an indicative answer within 24 hours, and facilities can settle in days where the equity and exit are clear.