Business Lender Sydney

Rates from
9.95% p.a.

Property-backed loans for
businesses and companies

Borrow with

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Borrow from $500,000 to $10M
Up to 70% LVR

Our Private Loans

Property Loans

Are you a property developer or investor?

Sparrow Loans offer loans to purchase or refinance investment and commercial properties. We have concrete solutions to your needs.

What terms can you expect?

We offer funds on up to a 70% LVR and will always settle within 10 days. Take the pressure off and be sure of your funding.

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Land Bank

Are you looking to acquire a new site?

Sparrow Loans fast funding will ensure you have a loan facility on site during pre-development. Secure land and pave your way to a successful project.

What terms can you expect?

We offer funds on up to a 65% LVR and will always settle within 10 days. Get the job done with Sparrow Loans.

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Bridging Loans

Do you need to manage your finances?

If you are buying an investment property and need funds fast, Sparrow Loans can deliver. We will help you settle quickly with our fast turnaround bridging loans

What terms can you expect?

We offer funds on up to a 70%LVR and will always settle within 10 days. Sparrow Loans takes the pressure off.

Apply Now

Book a chat

Are you a property investor or developer?


Competitive Funding

Quick access to funds up to $3M for your next investment or commercial purcahse. Rates from 8.5% p.a.

Purpose Built Solutions

Sparrow Loans looks at the viability of the transaction and exit strategy as a whole rather than a list of items to be ticked against a static checklist.


Sparrow Loans are ready and poised to help you exit our loan facility without delays as we understand that timing is everything.

Why borrow with Sparrow Loans? 


We assess your application quickly and will come back to you within 2 business days.


Whether you are a business borrower or a referral partner, you will have a dedicated relationship manager to help you through the application process.


We work hard to give you a smooth application process with clear requirements. You can be sure that our funds are ready to settle when your loan is approved.

Are you looking for a property or business loan with no hidden fees or hassle?

To get started you need

An ABN or ACN | Property security | To be registered for GST | Australian based

Which businesses can Sparrow Loans help?


  • Sydney, Melbourne & Brisbane businesses that need
    funding fast
  • Businesses looking to clean up their credit
  • Sydney property developers that need a flexible funding
  • Cash poor asset-rich businesses that need an injection
    of money fast!
  • Tax debt relief to get the ATO off your back
  • Businesses needing a cash flow injection; especially
    after lockdown
  • Specialised businesses – service stations, childcare
    businesses and more
  • Businesses that want to leverage their property

Easy to apply private loans - approval in only 2 business days!


Complete our loan application form online – this takes about 5 minutes


Get a letter of offer with all the details you need, including rates and fees.


Receive your funds within 48 hours from unconditional approval

Our Information Hub

Browse our helpful resource for important information on lending, different types of private propertyand business loans, and how we can help you.

Streamlining Your Accounting

Read more

Debunking The Top 3 Private Lending Myths

Read more

Got questions? We’ve got answers.

These helpful FAQs are asked by some of our customers looking for an investment property loan, secured business loan or bridging finance.

How can Sparrow Loans help my business?

Sparrow Loans offers property and business loans ranging from $200,000 to $2.5M for eligible companies in Sydney, Melbourne & Brisbane. Our loans give you the flexibility to leverage your property assets for business or investment purposes.

We’ve helped many businesses by releasing equity in their property for cash flow, investment in equipment, tax debts, working capital purchase inventory, site acquisitions, non-structural property improvements and more.

How quickly can I get my property loan?

We can settle your property and business loans within 2 weeks. We understand that your business needs the funds, so we will expedite this process as much as we can.

Do you lend money to individuals?

No, we don’t; we can only lend to companies and corporate trustees. And, these loans must predominantly be for business purposes.

What fees do you charge for your services?

The fees for our loans include an establishment fee between 1.5% and 2.2% of the loan amount. There are also valuation and legal fees involved however these are third party costs, and we will advise you of these fees upfront so there are no surprises. Unlike some other private funders who will charge application fees, due diligence fees, commitment fees and establishment fees, Sparrow Loans is unique; you only pay the establishment fee on settlement.

What is your LVR?

Our LVR is dependent on what type of property security is involved. We can lend up to 70% for residential and commercial properties. We can also lend up to 65% for DA approved sites. Most private lenders will only lend up to 65% on commercial property, and up to 60% on DA approved sites, making Sparrow Loans more competitive.

How do you approach serviceability?

It ultimately depends on the exit strategy of the business loan. If the exit strategy involves a property security sale, we don’t worry about serviceability as the loan and interest will be paid on exit. If the exit strategy is not airtight, we look at the business’s free cash flow and liabilities, which means we review a 6-month trading statement, your past 2 BAS, and your statement of position (your assets and liabilities).

What interest rates do you offer?

The rates start from 6.5% for most businesses. The average rate works out between 8% and 9%, but we will discuss this with you at our first free consultation.

What are your loan terms?

Our loan terms are up to 12 months, with the capacity to roll over for an additional 12 months. Our minimum term is as little as 1 month.

What are the essential criteria of your loan assessment?

The most critical components of a loan assessment are the LVR and the borrower’s capacity to repay the loan on time.

What happens if I cannot repay the business loan on time?

The best thing to do would be to tell us as soon as possible before the due date to explore other options to restructure the deal. Or we might place it with another funder that can support the loan.

How do I access my funds once my business loan is approved?

Once your loan application is received, we’ll need to verify your details and perform any credit checks necessary. We’ll let you know about the term of the loan, and monthly interest rates. Then, once your loan application is approved, your loan documentation has been signed and returned, your solicitor will assist in booking settlement – this is when we disburse the funds to the outgoing lender in the case of a refinance, or to the vendor in the case of a property settlement, or even to your solicitor’s trust account if releasing equity from an unencumbered property. If you’d like to know more, you can book a no-obligation meeting with us through the website!

How much can I borrow for my business loan?

We provide secured property backed business loans from $200,000 to $2,500,000.

Have questions? Our friendly team is available on 1800 258 374  weekdays 9 am – 5 pm AEST