Private Funding.
The deal is time-sensitive and the bank won't move fast enough - or won't move at all. Private funding bypasses the bureaucracy. We access specialist non-bank lenders, private credit funds, and alternative financiers across 60+ providers to get you a decision fast and a structure that fits.
Get a free quote
Won't affect your credit score.
What can we help you with?
How It Works
Financing on your terms - not the bank's.
Private funding bypasses the lengthy processes and rigid criteria of traditional bank lending. Instead of waiting weeks for a decision, private lenders assess your application quickly and focus on the broader picture - your assets, your plans, and the strength of your opportunity.
At Co-Pilot Finance & Insurance, we work with a panel of 60+ lenders including specialist non-bank providers, private credit funds, and alternative financiers. Whether you need bridging finance, property funding, business capital, or something more complex, we find the right structure for your needs.
Our team handles everything from initial assessment through to settlement - giving you the speed and confidence to move forward on your terms.
Fast Access to Capital
Private lenders move quickly. With fewer bureaucratic layers than traditional banks, approvals and settlements happen faster - keeping you competitive when timing matters most.
Flexible Financing Solutions
Private funding adapts to your circumstances rather than forcing you into a standard product. Terms, structures, and security requirements are negotiated to suit your situation.
Competitive Rates
We search our panel of 60+ lenders - including specialist private credit providers - to find the most competitive rate available for your profile and loan purpose.
Transparent Processes
Clear terms with no hidden fees. We walk you through each step so you understand exactly what you're agreeing to and what to expect throughout the loan term.
Run The Numbers
Calculate your private funding repayments
Enter your loan details
Estimated monthly repayment
$23,536.74
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Who It's For
Private funding - who uses it and when speed matters
Private funding is designed for those who need speed, flexibility, or simply don't fit the traditional bank profile.
Property Investors
Access fast capital for time-sensitive acquisitions, bridging finance between settlements, or funding for development projects that don't fit standard bank criteria.
Small Business Owners
Unlock working capital or growth funding when traditional banks are too slow or too restrictive. Private lending gives you the speed and flexibility your business needs.
Entrepreneurs
Fund new ventures, expand operations, or seize an opportunity quickly - without the lengthy approval processes that could cause you to miss the moment.
Individuals with Unique Needs
If your financial profile doesn't fit the standard bank mould - whether due to self-employment, credit history, or non-traditional income - private funding may be the right path.
Key Benefits
Why borrowers choose private funding over traditional lending
Fast Access to Funds
Private lenders can settle in days, not weeks - giving you the speed to act on time-sensitive opportunities that traditional lending timelines simply can't match.
Flexible Terms
Loan structures tailored to your circumstances - including interest-only periods, varied repayment schedules, and custom security arrangements.
Broader Access
Access financing even if traditional banks have said no. Private lenders assess each application on its merits, not just a credit score or standard income verification.
Minimal Red Tape
Simpler documentation requirements and fewer bureaucratic hurdles mean less time preparing paperwork and more time focused on your goal.
Diverse Applications
From property and business to personal projects and bridging finance - private funding is one of the most versatile lending options available in the Australian market.
Confidential and Discreet
Private lending arrangements are handled with discretion. Your financial situation and borrowing details remain between you, your lender, and our team.
Why Co-Pilot
Why Co-Pilot - not just any private lending broker
Extensive Lender Network
Access to 60+ lenders including specialist private credit providers, family offices, and non-bank financiers. We know which lenders suit which scenarios.
Expert Guidance
Our brokers understand the nuances of private lending - from security structures to exit strategies. We guide you through every decision with clarity.
Competitive Rates
We negotiate across our full lender panel to secure the most favourable terms for your situation - even in the non-bank market where rates vary significantly.
We Know Which Lenders Move Fast
We pre-qualify your application and know exactly which private lenders turn decisions around fastest for each loan type - so you get a real timeline, not hope.
We Work for You, Not the Lender
Our incentive is to find the right private funding structure for your situation - not to push the easiest deal. We negotiate on your behalf and don't stop at the first yes.
Transparency Throughout
No surprises. We explain the terms, costs, and obligations of every option clearly before you commit - so you always know exactly where you stand.
Eligibility
Private funding eligibility - assessed on your whole picture, not just a credit score
Private lenders assess applications more holistically than banks. While criteria vary by lender, the following are commonly required. Our team will assess your situation and match you with the right lender.
- Property or other assets that can be used as security
- Clear loan purpose and exit strategy (how you plan to repay)
- ABN or personal ID depending on loan type
- Demonstrated ability to service the loan - income evidence or asset backing
- Clean or explainable credit history (adverse credit considered case-by-case)
Don't tick every box? Talk to us - private lending is designed for situations that don't fit the standard template. We'll tell you honestly what's possible.
Ready to explore your options?
Whether you're time-pressed, have been declined elsewhere, or just need a more flexible structure - our team will assess your situation and find the right private lending solution.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Private Funding
Ready to move fast? Let's find your private funding.
Tell us about what you need and why timing matters - we'll come back with honest private funding options across 60+ lenders, no obligation. Many private lending applications are assessed within 24-48 hours.