Product Matrix

Basic Finance Pty Ltd is a privately funded lender and mortgage originator. 

Our business goes back to 2001. Since then, we did assist over 10,000 business and individuals. We believe we can offer the best non-bank alternative in today market place. We can offer the most completive rates and will work with our clients on their terms. We are an affiliate of vast numbers of private investors and lenders (100+ members) and providing our lending services to brokers and clients across Australia.

 We consider all types of non-conforming business finance.

Finance for clients that don’t qualify for bank funding.

Finance we can assist with 


  • Urgent Property Settlements & Bridging Finance
  • Refinancing Existing Debt
  • Buying out a shareholder or partner
  • Payout out ATO debt/superannuation arrears  
  • Credit impairment –ex bankrupt & defaults considered
  • Cash flow /Working capital using the equity in property or unencumbered plant & equipment (We specialise in sale & buyback with no limitation on age of goods)
  • Start-ups or business acquisitions with some form of equity or collateral security
  • Business Investment or Expansion and Acquisition

Need First or Second Mortgage finance?

The choice is simple.

As one of Australia’s leading independent finance groups, we can offer you:

  •  No application fees
  • Commercial or Residential security
  • Business purposes
  • Caveat loans available
  • Up to 85% LVR
  • Loans can be secured behind major banks or private lenders
  • Settlement often within 24-48 hours
  • Low Interest rates tailored to your situation
  • Loan amounts from $50K up to $20 million


Whether it’s to cover an unexpected expense, fund business growth, manage cash flow or take advantage of a new investment opportunity,

we specialise in arranging up to $20 million in finance, and often within 24-48 hours.

Our preferred First Registered Mortgage funding minimum is $50k and we will consider proposals to say $25 Million Dollars per Security

Our preferred LVR is 75-85 % we can take makeup security by a charge over unencumbered vehicles, plant or equipment. We will consider country and rural properties as well as development sites and unfinished construction projects.


 Private & Non-Bank Funding Lending Matrix


Residential Commercial
Borrower Corporate borrower
Security Australia wide
Purpose Acquisition or refinance
Loan amount $50,000 to $25,000,000.00 plus
Interest rate From 6.99% per annum
Term Up  to 36 months (longer periods considered)
Loan to value ratio Up to 75% Up to 70%

Second Mortgage / Caveat Lending Matrix


Residential Commercial

Corporate borrower

Security Australia wide
Purpose Acquisition or refinance or construction
Loan amount Up to $15,000,000.00
Interest rate From 11.95% per annum
Establishment 2.2%
Term Up to 24 months
Loan to value ratio Up to 80% Up to 70%

Unsecured Business Loans Line of Credit Matrix


Residential Commercial
Borrower Corporate borrower
Loan Value Ratio Up To 100% of your average Monthly Sales
Purpose Business purposes
Loan amount $10,000 -$50,000.00
Interest rate 15.95% per annum
Establishment Costs No Application Fees or Set Up Costs
Term 3 to 12 months (longer periods considered)


**Other fees may apply. Each loan will be subject to satisfactory due diligence to our sole discretion** No Doc & No Credit Check Facilities

Development And Construction Finance , Company Loans & Loans to SMSF