Non-Bank and Private Lending
When traditional bank lending doesn’t fit, private and non-bank lending can provide alternative funding solutions.
Non-bank lenders are commonly used where timing, structure or complexity sits outside standard bank lending criteria. This may include development projects, bridging between transactions, short-term property opportunities or business acquisitions.
At Vive Capital, we structure funding across bank, non-bank and private capital depending on the requirements of the deal.
How this type of lending works
Private and non-bank lending is typically structured around the strength of the deal, available equity and the proposed exit strategy.
Unlike traditional lending, these facilities are more flexible in how transactions are assessed. This allows funding to be structured around shorter timeframes, complex scenarios or opportunities that require speed.
For example, non-bank and private lending is often used to support:
Property development projects
Bridging between transaction or short-term property opportunities where timing or structure may not align with standard bank criteria.
Working capital or line of credit facilities where flexible access to capital is required.
These facilities are typically priced to reflect the flexibility, speed and structure involved.
In many cases, they are used as part of a broader funding strategy, whether alongside or transitioning back to traditional lending over time.
Where non-bank/ private lending fits
Private and non-bank lending is often used where a deal does not neatly align with standard bank criteria.
This may include situations where:
timing is critical
the structure is more complex
servicing does not fit traditional lending models
a strong equity position supports the transaction
the opportunity is driven by a defined exit rather than long-term holding
In many cases, these are well-capitalised borrowers executing opportunities that require a different funding approach.
In these scenarios, the focus shifts from standard policy to the overall strength of the deal.
What lenders typically look at
Private and non-bank lenders focus on the fundamentals of the transaction rather than applying strict policy rules.
This includes the strength of the deal, available equity or deposit and the proposed exit strategy. They will also consider the timeline and whether there is sufficient buffer within the structure to manage risk.
This approach allows greater flexibility, but also requires a clear and well-considered deal.
When to consider non-bank lending
t’s worth considering private or non-bank lending early, particularly where a deal may not fit standard bank criteria or where timing is important.
We can help when you're structuring a development, securing a property opportunity, bridging between transactions, funding a business acquisition or requiring flexible access to capital.
Discuss your requirements
If you're working on a deal that may not fit traditional lending, we can help structure funding across bank, non-bank and private capital.