Private (non-coded) loans
Smart, Fast & Flexible Funding for When Banks Can’t Help
Speak with a lending expert
What Are Private & Non-Coded Loans?
Private and non-coded loans are flexible lending solutions that sit outside the banks’ strict policies and consumer lending codes.If you’ve ever been told “you don’t fit our criteria,” FYX Finance can help. We look at your overall financial story, not just your tax returns.
They’re designed for:
-
- Borrowers who need fast approvals
- Clients using company or trust structures
- Borrowers with complex income or limited financials
- Developers or investors looking for short-term funding
Who It’s For
If you’re asset-rich but need liquidity to make your next move — FYX Finance can help make
it happen.
Our Private & Non-Coded Loans are ideal for:
Developers and investors
needing fast, flexible funding
Business owners
seeking cash flow or refinance options
Borrowers
with company or trust structures
Clients
with unique or complex situations
Anyone
needing short-term, asset-based finance
Key Features of Private & Non-Coded Loans
Flexible Lending Solutions
Built for business, investment, or development purposes — not restricted by bank rules.
Fast & Streamlined Approvals
Access funding quickly through our trusted network of private and non-bank lenders.
Tailored Loan Structures
Designed around your goals, cash flow, and exit strategy for complete control.
Asset-Based Assessment
We focus on the strength of your security, not just income documentation.
Broad Eligibility
Suitable for individuals, companies, trusts, and SMSFs with various property types.
Expert Support
End-to-end guidance from experienced specialists who
understand complex lending needs.
How It Works
At FYX Finance, we understand that not every borrower fits a standard mould. Our Private & Non-Coded Loans are designed for flexibility — built around your goals, assets, and timeframe.Whether you’re funding a new project, refinancing, or accessing equity, we make the process simple and straightforward.
Purpose
For business, investment, or development use (non-consumer)
Structure
Tailored lending solutions that adapt to your situation
Security
Backed by residential, commercial, or mixed-use property
Process
Fast assessments, transparent communication, and expert guidance
Repayments
Flexible options to suit your cash flow and goals
Support
Dedicated lending specialists guiding you from start to finish
Why Choose FYX Finance
We don’t just find you a loan — we structure the right solution to help you move forward with
confidence.
✅ Fast Funding: Approvals in as little as 48 hours.
✅ Flexible Terms: Short to medium-term options, including interest-only loans.
✅ Tailored Solutions: Loans built around your assets and goals.
✅ Expert Guidance: Work directly with specialists who understand property and business
finance.
✅ Australia-Wide Network: Access to leading private and non-bank lenders.
Types of Private & Non-Coded Loans
Short-Term Bridging Loans
When you need quick funds to bridge the gap between transactions, our short-term bridging
loans make it happen — fast. Whether you’re buying a new property before selling another
or waiting for longer-term finance to settle, FYX keeps you moving.
Key Features:
- Quick turnaround and flexible terms
- Secured by residential or commercial property
- Ideal for refinance, settlement, or transition periods
- Tailored repayment options to match your timeline
- No lengthy bank assessments or unnecessary delays
Development & Construction Loans
For developers and investors ready to start their next project, FYX offers funding options that
align with your build stages and cash flow needs. From site acquisition to construction
completion, we tailor finance that works as hard as you do.
Key Features:
- Flexible drawdown schedules matched to build stages
- Funding options for small to medium developments
- Simple, asset-based assessment
- Quick approval process for time-sensitive projects
- Competitive terms structured around your exit plan
Business Purpose Loans
When your business needs capital, FYX helps you access it without jumping through hoops.
Use your property equity to fund growth, equipment, or expansion — all with the speed and
flexibility of private lending.
Key Features:
-
- Purpose-built for business and commercial needs
- Secured against residential or commercial property
- Minimal documentation and fast processing
- Flexible repayment structures for stable cash flow
- Suitable for companies, sole traders, and trusts
Equity Release Loans
Why let your equity sit idle? With FYX, you can unlock your property’s value and reinvest it
into what matters — whether that’s another property, your business, or a personal venture.
Key Features:
-
- Access capital without selling your property
- Funds can be used for investment or business purposes
- Streamlined equity assessment
- Flexible repayment and exit strategies
- Perfect for asset-rich borrowers seeking liquidity
Refinance & Debt Consolidation Loans
Simplify your finances with a private refinance or debt consolidation loan from FYX. Combine
multiple repayments into one easy structure, improve cash flow, and regain financial clarity.
Key Features:
-
- Consolidate existing loans into a single facility
- Reduce payment stress with flexible terms
- Refinance from traditional or private lenders
- Fast approval with minimal paperwork
- Transparent process and dedicated support team
Investment Funding Loans
When opportunity knocks, FYX helps you answer fast. Our private investment loans are
designed for borrowers who want to seize new opportunities — without waiting on bank
timelines.
Key Features:
- Suitable for purchasing or refinancing investment assets
- Flexible structures to suit short or mid-term goals
- Works for individuals, companies, and SMSFs
- Straightforward process and quick approvals
- Designed to support portfolio growth and wealth creation
What You Need to Apply
A quick checklist so we can get moving fast. Upload what you have—if anything’s missing, we’ll guide you.
Photo ID (passport or driver licence)
Proof of address (utility bill or rates notice)
Purpose of funds (short note on what you’re financing)
Property/security details (address or brief description, if pledging property)
Recent bank statements (to understand cash flow—PDF or screenshots are fine)
Let's move forward together
Our team helps you compile, prepare, and present your application to maximise approval potential.
Move Forward with FYX Finance
At FYX Finance, we believe great opportunities shouldn’t be held back by rigid lending rules. Whether you’re buying, refinancing, or developing — we’ll help you find the right funding fast.
