This page is for borrowers and advisers looking for private lending where timing, structure, or complexity prevents bank funding from meeting the transaction deadline.
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If certainty of settlement matters more than lowest pricing, this page explains when N1 is a good fit and when it is not.
What N1 does?
N1 provides short term private credit secured against property for time sensitive transactions.
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Typical loan size from $100,000 to $25,000,000
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Security includes residential, commercial, and mixed use property
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Short term loan focus rather than long term amortising debt
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Primarily metro and major regional locations across Australia​
N1 is commonly engaged where banks decline due to timing, structure, or policy constraints rather than asset quality.
When client uses N1?
N1 is most often used in scenarios where time and certainty are the binding constraints, including:
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Urgent settlements where contract dates are critical
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Purchases requiring certainty of funds
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Short term or bridging finance pending sale or refinance
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Deals declined by other banks or lenders due to policy, or structure
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Complex transactions requiring flexible credit assessment
If the transaction cannot wait for traditional credit processes, N1 is often a suitable alternative.
How fast decisions are made?
Speed is treated as a core requirement, not a marketing claim.
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Indicative credit response within 24 hours once core information is provided
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Settlements commonly completed within 5 to 10 business days, subject to valuation access, security type and legal readiness
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Direct access to decision makers and permanent capital early in the process
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Reliable permanent capital, speak direct to decision makers means deals can be assessed internally and direct quick response.​
How risk is assessed?
N1 applies a business sense driven credit decision rather than checklsit based
In time sensitive, short term scenarios, priority is generally given to:
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Asset quality and location
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Clear and realistic exit strategy
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Loan to value ratio appropriate for the risk and term
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Security position and transaction structure
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Purpose of funding
Each transaction is assessed on its merits rather than fixed criteria.
Information required for quick assessment
Initial feedback is usually provided based on high level information
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Property location and type
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Loan amount
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Leverage ratio of LVR
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Purpose of funding
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Proposed loan term
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Exit strategy
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Existing debt position
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Asset and Liability position
Additional documentation may be required depending on complexity, but early clarity is prioritised.
When N1 is not the right fit
N1 is not suitable for all transactions. We only fund business purpose loans
You may be better suited to alternative funding if:
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You are seeking long term owner occupied lending
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Pricing is the only consideration and timing is not critical
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The transaction fits cleanly within standard bank policy
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The property or exit strategy lacks clarity
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Any purpose of funding that falls within the NCCP jurisdictions
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Being clear on this upfront avoids unnecessary delays.