Direct Lending Business & Commercial Loans

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Get the Loan Solutions You Need with N1 Business Lending, SME Lending, Commercial Property Loans, and Development Finance

At N1 Holdings, we understand how SMEs, sophisticated property investors and property developers have to work hard to stay ahead, sustain their business and achieve significant growth. We make it a point not only to offer financing solutions that are ideal for SMEs and property investors but also make sure that our process takes into consideration their time and resources.

We value our clients more than anything, and following our simple steps they never have to question what to fill out, what requirements to procure or what steps they need to take next. Our entire process is laid out in an orderly fashion to eliminate all confusion and ensure our clients’ needs are fully met.

Common loan purpose:

1. Bridging - Buy before Sold

2. Purchase and urgent settlement

3. Equity Release

4. Renovation

5. Working Capital

Commercial Property Purpose

1. Residual Stock

2. Development Site

3. Land purchase and cashout


Residential Property Purpose

1. Bridging

2. Renovation

3. Self employed

4. Fast funding

Non-bank Lending Development Loans

Q1: Why non-bank lenders instead of major banks that has better rates?

N1: Property developers understands flexibility is the deciding factor when going with non-bank lender in project development funding. Lending criteria, tenure, and other conditions for instance drawdown schedule, drawdown conditions, etc are customized to projects.

Q2: What is pre-sales requirement?

N1: Banks usually has a certain level of debt coverage by pre-sales requirement, at times can be 100% of debt level or more as loan drawdown condition. This can be challenging for certain projects especially during difficult times. Non-bank lenders however can be flexible, some require as low as 60% or even no pre-sales requirement, subject to pricing.

Q3: How much can non-bank fund a project?

N1: There are various ways to look at this, either up to 70% of Total Development Cost (including soft cost and land cost) or 65% of As-if-complete net realisation. Net realisation would be the realized value net of GST and project marketing fee for instance agent fees.

Q4: How long does it take to obtain non-bank lending approval?

N1: Subject to the scale of projects and availability of documents, it can be a few weeks for non-bank lenders to grant approval.

Q5: Any requirements on builders?

N1: Yes, all lenders including banks and non-banks look at builders qualifications as a critical factor for the success of a project. Some factors lenders look at includes:

  • Builders past projects experience

  • Project manager resume

  • Pipeline projects in coming months/years

  • Cashflow of builders

  • Preferably past three years financial health

  • Past 12mth builder ATO portal record

  • Past 12mth banks record and Profit & Loss


Q6: Why developers need to have a QS Report? (Quantity Survey)

N1: QS Report is essential and mandatory exercise to accurately gauge the cost of building. The QS report serves as an important benchmark or reference to builders' bids and contract. Lenders will usually require an independent QS report, and may appoint their own preferred QS provider to more accurately estimate the cost. The independent QS report is one of the ultimate guidance to loan amount.

Q7: Why developers need independent valuation report?

N1: Just like QS report, an independent valuation report is critical for lenders to gauge how much to lender, to estimate the Gross Realized Value of the whole project. While QS gauges the cost of building, Valuation report gauges market elements that affect the value of the project, including the value of land and individual lots of the development.

Q8: Is independent Project Manager (PM) critical?

N1: Yes. All lenders including banks and non-banks treat the experience of a project manager very critical. The function of a capable PM doesn't just make sure the site and construction progress smoothly, also ensures costs is within control, and strict adhere to the project building cycle. Ultimately to avoid the blowout of cost and time that will be of detrimental effect to the overall feasibility of the property development project.

Feel free to email or to discuss

Commercial Property Loans

N1 helps borrowers to navigate the complexity of applying for a commercial property loans, and avoid lenders’ traps of finding excuses to charge commercial property investors.


Commercial property loans are much more complicated than residential property loans (home loans), with numerous hidden clauses, fees and charges applicable. 


We are among the Australia Top 10 Business Loans Writer, that gives you peace of mind when it comes to commercial property investments. 


Unsecured Business Loans


Burgeoning fintech lenders industry in the market is making choosing a helpful unsecured business lender a daunting task. Unsecured business lenders normally lend from $5,000 to $150,000 to operating businesses without having the need to mortgage your property, with a term up to two years.


Buying a Business and funding business startup


There at a number of different ways to access funding for entrepreneurs, both via debt and equity financing. 


N1 is able to source unsecured or secured (mortgages with property to maximise borrowing and reduce costs) business loans for aspiring entrepreneurs. 


We have helped Australian businesses acquire other businesses, and aspiring entrepreneurs kickstart their journey into starting a successful business. 

Private lender in Australia

Short term finance or private lending is a growth industry that has seen an increase in demand globally, and Australia is no exception. It is because of this demand that N1 Business Lending has become a leading provider of private finance loans and short term business loans in Australia. Whilst banks look at debt income ratio, serviceability, etc., private lenders generally are more interested in the asset, collateral of loan, purpose and exit strategy.


The company consistently delivers flexible solutions with best-in-market rates and swift and compliant loan processing. Brokers, Accountants & Financial Planners rely on our private short term finance solutions to assist their clients in bypassing cash flow issues, securing new equipment and financing expansions. We’ve helped numerous clients achieve their business goals while avoiding financial issues with ease. 

​With all of our short term loans offerings, clients are assured of the best and most secure financial assistance. We strive to deliver a seamless, reputable and beneficial loan experience for both borrower and referrer.

Flexible Short Term Business Loans

Our private business loans cater to a number of different financing needs. Our clients use our loans for:


  • Working capital (purchase stock, increase sales)

  • Expand current business

  • Business credit cards

  • Equipment acquisition

  • Maintenance or upgrade of existing systems or equipment

  • R&D or the purchase of IP

  • Acquisition of additional business

  • Starting up an additional business

  • Trade Finance

  • Purchase of premises

  • Refinancing

  • Equity release, reimburse owner’s funds

  • ATO liability

  • Employee wages & super

  • Payout business partners

Private loans can be in the form of first mortgage or second mortgage. Second mortgages generally means higher risks, hence attract higher costs.