Who we fund

Lienhouse funds Australian businesses that hold property and need capital the bank can’t deliver in time. The borrowing entity shapes the file - a company, a trust, a developer or an owner-operator each comes to the table differently - but the assessment is the same throughout: the asset and a clear exit, not income or full financials.

Who Lienhouse funds

Four kinds of borrower account for nearly every deal. Companies - directors of a Pty Ltd raising capital against company-held property for a business purpose, where the bank is too slow or won’t fund the asset class. Trusts and corporate trustees - a trustee borrowing against trust-held property, commonly with a company acting as trustee and holding the security on the trust’s behalf. Property developers - funding a site, an early-stage cost or a gap between stages against property already held. SME business owners - owner-operators releasing equity from what they already own to clear pressure, buy, or grow.

The dedicated pages for loans to companies, loans to trusts, loans to property developers and loans to SME business owners follow; each carries the eligibility detail and the structures that suit it.

Why the borrower type shapes the loan

Borrowing by a company or a trust for a business purpose sits outside the consumer-credit regime that governs a home loan. That is what lets the file be weighed on the security and the exit rather than on lodged returns and serviceability - and it is confirmed simply, by a business purpose declaration, not by months of income evidence. A corporate trustee can hold the security and enter the loan for the trust without changing how it is assessed. Representative terms are set out on the rates and fees page, every figure subject to assessment.

The same capital, reached by any of them

The instrument follows the job, not the borrower’s label. A caveat loan where speed matters; a second mortgage or equity release to draw on property already owned without disturbing the first facility; a private commercial mortgage against commercial security; development finance where a project is the point. A company, a trust and a developer can all reach the same structure - the assessment is the constant: security and a clear exit. If the question is whether a company needs a credit licence, or what a business purpose declaration does, the answer pages cover both.

What we’ll need to start

Four details begin it: the amount, the asset, the purpose, and the timeframe. We assess on the asset and the exit, so there is no call for full financials or a business plan up front - light documents only once an enquiry is progressing. Indicative terms come back from the funder within 24 to 48 hours of your reply and settlement runs in days. The lending is business-purpose, for companies and trusts; a genuinely personal or owner-occupier need is not a fit, and where an accountant should weigh in first, we will say so. When you’re ready, enquire with those four details.