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"The team at PMA wasted no time to approve my client's refinance and it settled within four days."

- Hedley Harding, Yes Finance


FAST, FLEXIBLE FINANCE SOLUTIONS TO EMPOWER BUSINESSES

BRIDGING/WORKING CAPITAL - BUSINESS PURCHASE/ESTABLISHMENT FINANCE - EQUIPMENT PURCHASE - EQUITY RELEASE - REFINANCE/DEBT CONSOLIDATION - ATO DEBT - LAND/PROPERTY FINANCE - SUBDIVISION FINANCE - RENOVATION/FLIP - DEVELOPMENT/CONSTRUCTION - CONSTRUCTION COMPLETION FINANCE - MEZZANINE FINANCE - RESIDUAL STOCK

*All loans must be for genuine business purposes and require a security property with available equity.


Bridging/Working Capital Loan

Explore how bridging loans can help businesses overcome financial hurdles and unlock new growth opportunities. Use PMA's bridging/working capital loans for short-term expenditures, such as wages, rent, stock, debt service payments, or to finance activities, such as sales and marketing or research and development.

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages Download Product Guide
  • Max. LVR of 75% for major metro residential property, other security at lower LVRs
  • Loan term: 3-12 months + Extensions

Submit a Quick App  Download Free Guide

Business Purchase / Establishment Finance

Business purchase or establishment finance loans provide entrepreneurs with an opportunity to expedite their entry into the market, purchase a business, fund the establishment of a new business, and position their businesses for growth and success.

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Max. LVR of 75% for major metro residential property, other security at lower LVRs
  • Loan term: 3-12 months + Extensions

Submit a Quick App  Download Free Guide

 

Business Equipment Purchase

By using PMA's equipment financing, businesses can preserve their working capital, which can be utilised for day-to-day operations, expansion plans, or unforeseen expenses.

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Max. LVR of 75% for major metro residential property, other security at lower LVRs
  • Loan term: 3-12 months + Extensions

Submit a Quick App  Download Free Guide

Equity Release (1st & 2nd Mortgage)

By releasing the equity in a property, a borrower can increase liquidity for investments, for business purposes such as buying equipment, improving cash flow, paying suppliers or paying off any tax debts. Private Mortgages Australia can provide equity release finance on either a first or second mortgage to allow a borrower to use the finance for a genuine business purpose.

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Max. LVR of 75% for major metro residential property, other security at lower LVRs
  • Loan term: 3-12 months

Submit a Quick App  Download Free Guide

Refinance/Debt Consolidation

Through refinancing/ debt consolidation loans, small businesses may simplify debt management, improve cash flow, and extend repayment terms. It enables businesses to combine multiple debts into a single loan, reducing financial strain and facilitating better financial control.

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Max. LVR of 75% for major metro residential property, other security at lower LVRs
  • Loan term: 3-12 months

Submit a Quick App  Download Free Guide

ATO Tax Debt Loans

A tax debt loan may be a useful way of paying off tax debt before it becomes even more of a problem or when ATO payment plans are not a viable option. Tax debt loans are short-term financial solutions specifically tailored to assist small to medium-sized businesses settle outstanding tax debt

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Max. LVR of 75% for major metro residential property, other security at lower LVRs
  • Loan term: 3-12 months

Submit a Quick App  Download Free Guide

Land/Property Finance

Land/property finance provides necessary capital for land acquisition, construction costs, and development expenses. Land/property finance offers flexibility, enables faster project completion, facilitates growth opportunities, and allows developers to leverage their investments for higher returns in the real estate market

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Up to 65% of the ‘as is’ value for land, or up to 75% with inhabitable improvements
  • Loan term: 3-12 months

Submit a Quick App  Download Free Guide

Land Subdivision Finance

Property developers often seek land subdivision finance to support the process of dividing larger parcels of land into smaller lots for development. This specialised financing allows developers to cover costs such as land acquisition, surveying, infrastructure development, and marketing. Land subdivision finance enables developers to maximise the value of their land assets and create multiple saleable properties for increased profitability

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Up to 65% of the ‘as is’ value for land, or up to 75% with inhabitable improvements
  • Loan term: 3-12 months

Submit a Quick App  Download Free Guide

Renovation/Flip Finance

Renovation/flip finance provides access to quick and flexible funding for purchasing and renovating properties, enabling faster turnaround times and increased profits. We are able to offer a ‘split facility’ where we can provide funds to purchase the property and then also provide the funds to complete the renovation when you’re ready to start the project.

  • Up to $5M for 1st Mortgages, $2M for 2nd Mortgages
  • Up to 70% of the ‘as if complete’ value
  • Loan term: 3-12 months + extensions

Submit a Quick App  Download Free Guide

Mezzanine Finance

Mezzanine finance provides flexible capital that bridges the gap between traditional debt and equity financing, allowing companies to fund their projects more efficiently and enables developers to retain ownership and control while leveraging their capital for growth. PMA specialises in tailoring a loan to ensure the development is fully funded throughout the building process, or provide funds so the project can move to the next stage of construction.

  • Up to $2M
  • Up to 65% of the ‘as if complete’ value
  • Tailored to construction program

Submit a Quick App  Download Free Guide

Development / Construction Finance

Development / construction finance provides access to capital for acquiring land, financing construction, and covering operational costs. This funding enables companies to undertake projects, expand their portfolios, and achieve growth objectives. PMA assists developers that may, for whatever reason, find it difficult to access project funding from mainstream sources. The nature of these projects can vary and include a small mixed-use development to multi townhouse developments.

  • Up to $5M
  • Up to 65% of the ‘as if complete’ value
  • Loan term: 3-12 months

Submit a Quick App  Download Free Guide

Construction Completion Finance

Construction completion finance provides development companies with essential funding to complete their construction projects. This type of financing offers numerous benefits, including increased liquidity, improved cash flow management, reduced financial risks, accelerated project completion, enhanced investor confidence, and the ability to take on multiple projects simultaneously, thereby fostering growth and profitability.

  • Up to $2M
  • Up to 65% of the ‘as if complete’ value
  • Tailored to construction program

Submit a Quick App  Download Free Guide

Residual Stock Loan

Residual stock loans enable developers to unlock capital tied up in unsold properties, allowing them to fund new projects or repay existing debts. By reducing financial strain, developers can focus on growth, expedite project timelines, and optimise their cash flow, fostering continued success in the competitive real estate market.

  • Up to $5M
  • Up to 75% of the ‘as is’ value
  • Tailored to sales schedule

Submit a Quick App  Download Free Guide