Private Lending

Looking for best private lending rates?

Can't get finance from the banks? We have access to a huge pool of private funds.

Call for Rates

At Fiolty Financial Group, we can offer our clients access to private lending with desirable terms.

We offer flexibility and the ability to negotiate the details of your financing. This type of personalised care helps set us apart from large impersonal institutions where deviation from the traditional script will not occur.

Why Seek Private Lending?

Many of our clients find the harsher restriction from banks is too limiting. Rather than applying for financing at a bank, they can access funds with less effort (and more appealing terms), through avenues of private lending.
Contrary to what has been said years ago, private funding is not just an option for desperate people.

We Secure Your Funding

The private lending industry has evolved over time from a fringe option to a conventional method of securing funds.
In years past, unscrupulous characters sullied the reputation of the industry as a whole. Rest assured that when you are dealing with a
seasoned professional firm, like Fiolty Financial Group, you are working with legitimate financial experts.

Who We Help

We see a wide range of clients benefitting from private financing arrangements. Here are several circumstances where private lending works well:

  • Purchase a house
  • Construction finance
  • Property development
  • Refinance exisiting loan
  • Purchase a business
  • Release equity in property
  • Clear tax debts
  • Funding businesses instead of using an IPO
  • Customers with recovering credit
  • Restructuring businesses
  • Expanding business to second location
  • Acquisition of land for company or personal use

Want access to best private lending rates?

Click to Call

What Private Lending Offers

  1. Fast decision making
  2. Quick access to the funds
  3. Fewer requirements - private lending focus on you with NO collateral, zero credit score and proof of company cash flow
  4. Customisable loan structure
  5. Personal relationships built between lenders and borrowers
  6. Assistance in other aspects of your business
  7. A fair opportunity to those with less than perfect credit history
  8. Flexible payment terms
  9. Lo-Doc lending available
  10. Funds are readily accessible (unlike banks)

What Are Lo-Doc Loans?

Lo-doc stands for low documentation, and it is a way that we can help borrowers who have a limited amount of written records. Initially, this form of lending was created to assist the self-employed, immigrants, and seasonally employed persons attain loans despite a lack of traditional documentation.

Prior to 2008, the lo-doc loan was commonplace, especially in the real estate industry. However, big banks significantly
reduced the amount of lo-doc loans once the government discovered the misuse of the option by banks and mortgage
companies.

Tighter restrictions now make the lo-doc credit option more readily available through private financing; where personal relationships are more viable.

Our Interest Rates

While there is no one rate offered across the board to every borrower, at Fiolty Financial Group we make sure that you will get the most applicable available rate possible. Our terms are flexible, and repayment is not on the same stringent schedule you would see with a bank.

Factors That Determine Interest Rates on a Loan

While a variety of dynamics help to determine a borrower’s interest rate, the three of the most central to the process are:

  1. Loan-to-value-ratio (LVR)
  2. The amount of the loan
  3. The type and amount of collateral offered on the loan

Our Policies

While banks and Financial institutions are required by law to be governed by Investment Commissions, sole private lenders themselves are not.

Fiolty Financial Group not only connects the borrower to the private lender but helps ensure they are a reputable lender with fair and reasonable terms and rates.  With decades of experience in the industry, we have a comprehensive list of over 30 recommended private lending sources. We can also offer advice and guidance on written agreements.

Without Fiolty Financial Group a borrower may find it hard to determine what is considered reasonable and what is not in the private lending industry.



Copyright © 2022 Fiolty Financial Group Inc.