Mainstream banks often can’t deliver the short-term business finance you need, not because they won’t, but because their slow, rigid processes won’t meet your deadlines.
Q Credit specialises in this lending gap. We provide urgent finance to asset-rich borrowers who need speed but fall outside standard credit boxes. Our asset-based-lending approach prioritises the equity in your property security to cover risk, ensuring you get the essential commercial property finance or investment loan when time is critical.
We have over two decades of experience in property-secured credit assessment and lending.
All credit decisions are made in-house by our nominated Directors, adhering to a strict credit policy. You deal directly with the people who approve your loan.
Yes, we assess cash flow and profitability if the data is current. However, if that information is incomplete, we pivot. We focus on the purpose of the loan, the strength and character of the Directors, the value of your property security, and your clear exit plan to make a rapid decision.
Rates for our private lending business loans start at 8.75% p.a. Each deal is assessed on its own merit and based on the deal’s risk profile it is priced accordingly. We price for the speed and flexibility that banks typically can’t offer.
No – borrowers are able to deal with Q Credit either directly, or through a broker, whichever is most convenient.
