Chris Hall
Managing Director & Finance Broker
Non-Bank & Private Lending Sydney
Non Bank Lending
When a deal falls outside major bank policy, alternative lending can unlock viable pathways. We help assess non-bank and private options against timing, structure and execution risk.
Specialist lending for non-standard transactions.
Some transactions need more than a mainstream bank pathway, especially where timing is tight, security is unusual, or structure is complex. We help identify lenders with the right appetite and map the most practical route forward.
Across non-bank and private credit scenarios, we focus on certainty, conditions and exit clarity so decisions are made with full context rather than urgency alone.
Chris
Hall
Managing
Director
& Finance Broker
& Finance Broker
Let our experts do the hard work for you
From comparing lenders and structuring your application to managing documents, approvals and settlement, our brokers run the process from start to finish. You get clear advice, competitive options and one experienced point of contact keeping everything moving.
- ACL accredited
- A loan structure built around you
- End-to-end support through settlement
Meet the team behind Blue Crane Capital
Real brokers. Real experience. Real relationships.
Heinrich Brendel
General Manager
Nick Wilcox
Director & Finance Broker
Allisson Crain
Head of Residential Credit & Responsible Manager
Why choose Blue Crane?
Award winning company
Blue Crane Capital's brokers have been recognised year after year by the industry's leading bodies. Including MFAA and FAST awards for excellence across broking, lending administration, and residential and commercial finance. That consistent recognition reflects what clients experience directly.
Depth over volume
Blue Crane Capital has arranged over $3 billion in lending since 2017 by working the full spectrum of the market — major banks, second-tier lenders, non-bank and private lenders — so every deal has genuine competitive tension behind it, not just one bank's rate card.
We run the process
Blue Crane manages everything from initial assessment through to settlement. The paperwork, the negotiation, the lender relationships, so clients can stay focused on their property, not the finance admin. It's backed by an award-winning track record and 3,000+ clients assisted.
Areas we serve
National reach, local connection
Blue Crane Capital works with clients nationally, with key service areas across Australia’s major property markets.
Our accolades and recognitions
Frequently Asked Questions
What is a non-bank lender?
A non-bank lender is a lender that provides finance outside the major bank system. Non-bank lenders may offer more flexible credit settings for certain property, commercial, investment, construction or bridging scenarios.
When should I consider non-bank finance?
Non-bank finance may suit borrowers who have complex income, tight settlement timing, non-standard security, development funding requirements, commercial property, bridging requirements or a loan structure that does not fit major bank policy.
Is private lending the same as non-bank lending?
Private lending is a form of alternative property lending, often funded by private credit groups or private funders. Non-bank lending can include a wider range of lenders outside the major banks. The right option depends on the borrower, security, loan purpose and exit plan.
Will non-bank lending cost more than a bank loan?
It can. Non-bank and private lending may carry higher rates, fees or stricter conditions than major bank lending. The benefit may be speed, flexibility or access to funding that a bank cannot provide. Blue Crane Capital helps borrowers compare the trade-offs before moving forward.
Do I need an exit strategy?
Yes. A clear exit strategy is usually required for non-bank, private and bridging finance. This may include sale, refinance, project completion, lease-up, business cash flow or another defined repayment pathway.
Can Blue Crane Capital help if my bank has declined my loan?
Yes, subject to the details of the transaction. A bank decline does not always mean the deal cannot be funded. We can review the reason for the decline, assess the credit case and consider whether another lender may be suitable.
A network built on trust and results
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Speak with one of our trusted finance brokers
We respond to all enquiries within one business day.
Start A Finance Conversation
A finance deal can look difficult on paper, but the right lender, structure and credit story can change the pathway.
Blue Crane Capital helps borrowers assess whether non-bank, private or bridging finance may be suitable for their transaction.
You do not need to have every answer before speaking with a broker. Bring the deal, the timing and the goal. We will help clarify the lending options, likely requirements and next steps.
Non Bank Lender Sydney
Structured non-bank and private lending for complex property finance
When bank policy, timing, income structure or security type gets in the way, Blue Crane Capital helps borrowers access alternative property lending through a clear, broker-led process.
We work with property investors, developers, business owners and commercial borrowers who require finance options beyond standard bank lending.
Read more about Non Bank Lending Read less about Non Bank Lending
When Non-Bank Lending May Fit
Banks work well for many borrowers, but their policies can make some strong finance applications hard to approve.
You may be dealing with:
- A property purchase with a tight settlement deadline
- Complex income from business, trusts, bonuses or multiple entities
- Development, commercial or investment security that does not fit standard policy
- A bridging requirement before refinance or sale
- A loan structure that a major bank is too slow or too rigid to assess
- A credit case that requires clear presentation to the right lender
When time is tight, delays can place a purchase, refinance or project at risk. A lender that does not understand the transaction can create extra questions, missed deadlines and poor structure.
Blue Crane Capital helps borrowers assess non-bank, private and alternative property lending options through a structured broker process. Our role is to match the transaction with lenders that understand the borrower, the security and the exit plan.
Non-Bank, Private Lending and Bridging Options
Non-bank finance can support borrowers where traditional bank lending is unavailable, unsuitable or too slow for the transaction.
As a non-bank finance broker in Australia, Blue Crane Capital can assist with:
Non-bank property lending
Funding options from lenders outside the major banks, often used for complex income, commercial security, investment structures, development projects or time-sensitive transactions.
Private lending
Private credit and private funder options for borrowers requiring greater flexibility, subject to the lender’s assessment of security, risk, loan purpose and exit strategy.
Bridging finance
Short-term lending used to bridge a timing gap, such as buying before selling, refinancing an existing loan, or moving from one funding structure to another.
Development and construction finance
Funding for land, construction, drawdowns, capitalised interest structures, presales requirements and project-related finance.
Commercial property finance
Loan options for commercial investors, owner-occupier businesses, income-producing assets and non-standard commercial security.
Speed, Flexibility and Pricing Trade-Offs
Non-bank lending can offer flexibility, but it comes with trade-offs.
A non-bank or private lending option may provide:
- Faster assessment for suitable transactions
- Broader policy settings than major banks
- More flexible views on security type or income profile
- Short-term funding for bridging or refinance pathways
- Options for commercial, construction and investment lending
The trade-off is that pricing, fees, covenants and conditions may differ from a standard bank loan. Higher flexibility can come with higher rates, shorter terms or stricter exit requirements.
Blue Crane Capital helps borrowers compare these trade-offs before choosing a lender. The aim is not to chase the lowest quoted rate. The aim is to identify a structure that fits the transaction, the timeline and the borrower’s longer-term plan.
Security, Covenants and Conditions
Every non-bank or private lending transaction is assessed on its own facts.
Lenders may consider:
- Property type and location
- Loan amount and loan-to-value ratio
- Borrower experience and income position
- Development or construction risk
- Valuation reports and supporting documents
- Interest reserve or capitalised interest requirements
- Personal, company or trust borrower structures
- Guarantor positions
- Exit strategy
- Refinance or sale pathway
Some facilities may include covenants, reporting requirements, drawdown conditions or review dates. These can affect how the loan works after settlement.
Our brokers explain these items before submission, so borrowers understand the structure they are considering.
Exit Strategy and Refinance Planning
An exit strategy is one of the most important parts of non-bank and private lending.
A lender will usually want to know how the loan will be repaid, refinanced or reduced. This may include:
- Sale of a property
- Completion and sale of a development
- Refinance to a major bank
- Refinance to another non-bank lender
- Business cash flow
- Asset sale
- Capital injection
- Lease-up or stabilisation of a commercial property
Blue Crane Capital assesses the exit strategy before recommending a lender pathway. This helps reduce the risk of taking short-term finance with no clear next step.
For many borrowers, the first facility is part of a broader plan. We help map the pathway from urgent funding through to refinance, sale or long-term debt.
Our Lender Selection Process
Blue Crane Capital acts as a project manager for your finance.
We coordinate the finance process across lender selection, credit positioning, supporting documents and transaction partners.
1. Assess the transaction
We review the borrower, security, loan purpose, timing, income profile and exit strategy.
2. Identify lender appetite
We consider which lenders may be suitable based on policy, pricing, speed, security type and transaction risk.
3. Prepare the credit story
We help present the deal clearly, supported by the right documents and explanation.
4. Coordinate the process
We work with the relevant parties, which may include valuers, lawyers, accountants, quantity surveyors and insurers.
5. Support settlement and next steps
We assist through approval, documentation, settlement and refinance planning where required.
Our Financial Services
Development Finance
Funding solutions for residential, construction, land, mixed-use and development projects.
Commercial Loan Broker
Commercial lending support for business owners, investors and commercial property borrowers.
Investment Property Finance
Loan structuring for investors building or managing residential property portfolios.
SMSF Loan Broker
SMSF property lending support for investors working through self-managed super structures.
Non-Bank and Private Lending
Lender options for borrowers or projects that do not fit traditional bank criteria.
Refinance Broker
Review and restructure existing debt across investment, commercial and development lending scenarios.
Home Loan Broker
Residential lending support for owner-occupiers and investors with more involved borrowing needs.
Why Choose Blue Crane Capital
ACL accredited
Our accredited network includes major banks, non-bank lenders and private credit providers.
Commercial banking backgrounds
Our brokers bring banking and credit knowledge to complex property finance scenarios.
Established in 2017
Blue Crane Capital has supported borrowers through changing lender markets, credit policies and rate cycles.
ACL holder
Blue Crane Capital operates under Australian credit licence requirements, giving borrowers confidence in a regulated finance process.
4 accredited brokers
Our team has the capability to manage complex transactions with clear communication and professional coordination.
Project manager for your finance
We coordinate the moving parts, from lender discussions through to valuations, legal documents and settlement steps.
