Urgent Non-Bank Lending

Your finance broker for fast, same-week settlements.

Non-bank lenders are funded and regulated differently to banks, which lets them assess a file differently. Instead of a standardised credit policy applied uniformly, they can weigh the security, the exit, and the trading account, and make a judgement on a scenario that does not fit a template. That flexibility is priced: non-bank rates sit above bank rates, and the trade-off is usually documentation and speed against cost. Settled With Joe arranges non-bank commercial lending across a large panel, and Joseph Farhat and his team will tell you honestly and quickly whether a non-bank facility is the right answer or whether a bank would serve you better.

Who we can help access finance

• •Self-employed borrowers and ABN holders who cannot produce two years of tax returns but have a strong trading account.
• •Businesses that need funding this week, where a standard assessment timeline does not fit the deadline.
• •Borrowers with an ATO debt, past defaults, or arrears that sit outside standard credit policy.
• •Owners with strong property equity but complex or recently changed income.
• •Developers and builders needing reduced presale requirements or a higher loan to cost.
• •Buyers of specialised property that mainstream lenders will not fund at a workable LVR.
• •Businesses in industries that standard credit policy treats cautiously despite trading well.
• •Anyone who has been told their scenario does not fit, and wants to know which lenders assess differently.

How Non-Bank Lending Works

Non-bank lenders raise their funding from wholesale markets, institutional investors, or their own balance sheet rather than from retail deposits. Because they are not authorised deposit-taking institutions they operate under a different regulatory framework, which is what gives them room to assess a file on its merits. In practice that means shorter assessment timelines, more weight on the security and the exit, genuine low-doc and alt-doc pathways, and appetite for property types and industries that sit outside mainstream policy. Loans are still fully documented, secured, and regulated. Joseph Farhat and his team review your scenario, match it to the right lender from the 90+ panel, and manage the application through to settlement.

What Non-Bank Lenders Assess

• •The security: property type, location, and equity available carry more weight than they do in a standard bank assessment.
• •The exit: how the facility gets repaid, whether that is a sale, a refinance to a bank, or the completion of a project. A credible exit can carry a file that would otherwise struggle.
• •Trading account conduct: recent bank statements showing consistent deposits often matter more than historical financials.
• •The story: why the scenario looks the way it does. A difficult year with a clear explanation is assessed very differently to an unexplained pattern.
• •Documentation available: full financials open up the sharpest non-bank pricing. BAS, bank statements, or an accountant declaration open up alt-doc and low-doc pathways at a higher rate.
• •Serviceability, tested with buffers appropriate to the product rather than a single standardised assessment rate.
• •Timeframe: many non-bank lenders price and structure specifically for speed, and will tell you early whether your deadline is realistic.

The Non-Bank Lending Process: What to Expect

1. 1.Talk to Joseph Farhat and his team about the scenario, the security, and the timeframe. You will get an honest read on whether a non-bank facility is the right answer, including if a bank would serve you better.
2. 2.Provide the basics: recent business bank statements, details of the security and any existing debt, and whatever financials you have. Full financials are often not required.
3. 3.We match your scenario to the lenders on the panel whose credit model actually fits it, rather than testing it against several. Every declined enquiry can leave a mark on your file, so this step matters.
4. 4.The lender assesses the file and issues an approval setting out the rate, term, LVR, fees, and any conditions. We go through it with you, including the total cost and the exit, before you sign anything.
5. 5.Settlement takes place and the facility begins. Where the plan is to refinance to a bank once the position is stronger, we set that up as a deliberate next step rather than leaving you on a non-bank rate indefinitely.

Indicative Finance Options

A note on private finance

Private finance sits beyond the non-bank market. It is funded by individuals, family offices, and small mortgage funds rather than institutions, and it is used for genuinely unique scenarios: very short timeframes, unusual security, or structures that no institutional lender will consider. Rates are quoted monthly and sit well above non-bank pricing, and terms are short. It is factual market context rather than a recommendation. For unique scenarios where bank and non-bank lenders are not the right fit, we can introduce you to private finance options. Joseph Farhat and his team will always look at bank and non-bank solutions first.

Why borrowers choose Settled With Joe for non-bank lending

• •We represent you, not the lender: Joseph Farhat and his team act in your interest from the first conversation through to settlement.
• •Non-bank is not one market: policies differ enormously between lenders, and the right match is what turns a difficult scenario into a straightforward approval.
• •We will tell you if a bank suits you better: non-bank funding costs more, and it is not the right answer for every file that comes to us.
• •One conversation, not five applications: scenarios that sit outside standard policy are exactly the ones where a string of declined enquiries does the most damage.
• •90+ lenders on one panel: bank, non-bank, and specialist, assessed together rather than one at a time.
• •We plan the exit from the start: where the intention is to refinance to a bank once the position is stronger, that becomes a deliberate step rather than an afterthought.
• •No judgement: a tax debt, a default, or a year that went badly is a circumstance to work with, not something to explain away.
• •Private finance for unique scenarios: where bank and non-bank lenders are not the right fit, we can introduce you to private finance options.
• •Usually no direct cost to you: as a broker we are typically paid by the lender on settlement.
• •An honest answer early: tell us the deadline and the difficulty, and we will tell you what is realistically achievable.