Q Credit works with businesses, entrepreneurs, and property investors who need access to structured finance solutions, not personal or consumer credit products. Our clients typically include business owners seeking working capital or growth funding, property developers and investors requiring bridging finance, and commercial borrowers looking for mortgage-backed short-term lending. If you’re an individual seeking a personal loan, fast cash, or a payday advance, our services won’t be the right match for your needs.
No. Q Credit is a private commercial lender, not a consumer finance provider. We specialise exclusively in business loans, commercial lending, bridging finance, and mortgage-backed short-term finance for businesses and investors. If you’re looking for personal loans, payday lending, or student finance, we’re not the right fit. Our solutions are designed for business owners, property investors, and commercial borrowers who need fast, flexible funding backed by real assets or business credentials.
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.
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.
