Flexible, tailored loans

The benefits of non-bank lenders

At Zolve, we’re ready to help you step outside the box and move away from cookie-cutter loans offered by traditional banks.

Our team of in-house Loan Specialists value individuality and negotiate loan terms with the right non-bank lenders to meet your unique needs.

Non-bank lenders can help you get to yes, faster, offer flexible and tailored loans and can typically help in tricky lending scenarios where traditional lenders can’t.

Stop scouring the internet for the right non-bank lender. The team at Zolve will support you through the loan process from start to finish, saving you time and money, so you can build your dreams and realise your goals.

Non Bank Lending By Zolve

Quick, easy and hassle-free

We value individuality and connect you with the right non-bank lenders quickly, easily and hassle-free.

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It's free to apply

Contact our team today!

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Outside the box loan solutions

Experience the difference

Non-bank lenders are a game-changing alternative to the big banks. They take a wider view of your financial situation and typically assess your property project against different lending criteria to traditional lenders.

As a result, they can be the ideal source of funding for the following types of lending scenarios:

  • Higher loan-to-value ratio (LVR)
  • Low levels of pre-sales (construction)
  • Limited developer experience or track record (construction)
  • Residual stock loan (construction)
  • Need for a second mortgage or mezzanine finance
  • Specialised property asset or regional location
  • Inability to demonstrate serviceability levels required by traditional lenders
  • Borrower’s credit history
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Connect with Zolve

We simplify non-bank lending

At Zolve, we work with private and non-bank lenders everyday and excel at solving borrowers’ outside the box lending scenarios. We offer:

  • A fully managed loan process.
  • A faster alternative to big banks.
  • Flexible, tailored loans.
  • Extensive platform of non-bank lenders.
  • Capabilities to deal with tricky, complex lending scenarios.
  • Experienced Loan Specialists.
  • A custom-built 24/7 platform.
  • A no deal, no fee guarantee.
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Loans as
unique as you

We'll find a loan solution that fits

We know each borrower has unique needs and Zolve’s service is anything but standard. We are loan problem solvers and specialise in loans from $100,000 to $200 million+ for property developers and investors.

At Zolve, we connect you with fast, flexible and trusted non-bank lenders and negotiate loan terms to suit your needs. Our experienced and dedicated team will help you make a win-win connection.

Through our custom-built 24/7 platform and with access to your dedicated Loan Specialist, you will be kept on track and up-to-date on the progress of your loan.

With Zolve, we don’t charge any upfront fees for finding you the right non-bank lenders. It’s fast and free to apply.


Land Acquisition loans

For property investors and developers, who are buying land for future development purposes and need a flexible loan solution and fast turnaround.

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Construction loans

For property developers with large-scale construction projects, who need next-level flexibility and speed in payment of funds.

Cashflow Loans
Commercial Property loans

For commercial property owners, who have needs outside of standard bank criteria, such as short-term leases in place or higher LVRs (Loan to Value Ratios).

Business loans

For business owners, who need capital for growth and require more flexibility than standard bank loans.


The application process

Connection Step 1
Get in touch with us

Call us on 1300 ZOLVED (965 833). You can also complete our online enquiry form to tell us about your loan needs.

A Zolve Loan Specialist will talk to you about how we can help. They will be your go-to person from start to finish.

Survey Step 2
Complete our loan application

It’s on our platform and free to apply. Zolve does not perform credit checks.

If you have questions or need help, your Loan Specialist is there every step of the way.

Presentation Step 3
Receive loan terms from our lenders

Once we have reviewed your application, we will actively look for win-win connections with the most suitable non-bank and private lenders from our extensive platform.

Your dedicated Zolve Loan Specialist will ensure that the loan terms from the interested non-bank and private lenders meet your individual needs.

Rating Step 4
Choose your lender

Our user-friendly, custom-built platform gives you 24/7 access to how your loan application is progressing.

View, download and compare the Term Sheets from your interested non-bank and private lenders when it suits you.

Customer Survey Step 5
Settle loan with chosen lender

Once you have chosen your non-bank or private lender, the settlement of your loan is completed with them. Your dedicated Zolve Loan Specialist is still on hand to help you.

Hooray! Your loan has settled successfully and you receive your loan funds.

$5000 + GST

for loan amounts


1% of loan amount + GST

for loan amounts


Fee by negotiation

for loan amounts


*Please note that our non-bank and private lenders have their own fee structure, which will be outlined in their Term Sheet. For large-scale construction or highly complex loans, some non-bank and private lenders may charge upfront fees.

Let us Zolve it for you

We challenge the status quo

Non-bank lenders offer an alternative solution to big bank lending. At Zolve, we challenge the status quo to find you a loan solution that meets your unique needs.

Our experienced Loan Specialists will work hard to connect you with suitable non-bank lenders and actively negotiate and structure optimal loan solutions to ensure they suit your individual needs.

We have the problem solving capabilities and experience to find you a non-bank lender that’s perfect for you.

private lenders australia with zolve

Experience the difference

Zolve delivers outside the box loans that are driven by outside the box thinking. Our Loan Specialists are experts in their roles and will support you to reach your goals.

We know the benefits non-bank lenders bring to the table and will connect you with the most suitable lenders to finance your next big project.

Our custom-built 24/7 platform enables you to check the progress of your loan and our streamlined process ensures we find suitable loan solutions that meet your unique needs.

private lender loans australia

Non-bank lenders offer an important alternative to big banks and standard loans, taking a wider view of your financial situation and offering unparalleled flexibility on loan terms to meet your individual needs. They also offer fast turnaround times on Indicative Term Sheets and have the capability of settling loans as quickly as possible to meet your project timelines.

With Zolve, our experienced team will negotiate and structure suitable loan solutions for you with the non-bank lenders from our extensive network, saving you time, money and the hassle.

Borrowers with unique loan requirements and financial situations need outside-the-box solutions, which are often unavailable from traditional lenders such as banks.

Some examples of the types of lending scenarios when non-bank lenders could be the ideal source of funding for property-backed projects include:

  • Higher loan-to-value ratio (LVR)
  • Low levels of pre-sales (construction)
  • Limited developer experience or track record (construction)
  • Residual stock loan (construction)
  • Need for a second mortgage or mezzanine finance
  • Specialised property asset or regional location
  • Inability to demonstrate serviceability levels required by traditional lenders
  • Borrower’s credit history
  • Borrower is self-employed or have non-standard income

These are types of lending scenarios that the team at Zolve specialise in and work with everyday. If you are facing a tricky lending scenario that doesn’t tick all the boxes for traditional lenders, contact our team on 1300 ZOLVED (965 833) or email us at hello@zolve.com.au to find out how we can help you.

Zolve has an extensive platform of non-bank lenders who have been carefully vetted to meet our strict criteria.

Our team of Loan Specialists use their expertise and knowledge to match borrowers with the right lenders who can provide the funding needed and will also negotiate and structure the loan solutions to ensure it means the borrowers’ unique needs.

No, all the non-bank lenders on Zolve’s platform are independent and not affiliated with us. They have been carefully selected based on their ability to provide fast and flexible funding solutions for commercial property and property development type loans.

Zolve is committed to challenging the status quo and finding alternative solutions to traditional bank lending.

Unlike standard bank loans, an Indicative Term Sheet (outlining the indicative terms of your loan offer) from one of our non-bank lenders offers unparalleled flexibility for your property development finance. It is essentially a negotiated business agreement between the non-bank lender and you, the borrower.

Because our non-bank lenders’ Term Sheets are anything but standard, they can include any negotiated loan term that you and the lender both agree on, e.g., LVR, interest rate, term extensions.

Your dedicated Zolve Loan Specialist will guide you through the entire process. They will also negotiate with the interested non-bank lenders to make sure that the property development loan solution is tailored to your personal needs.

Zolve offers loans as unique as each property developer and investor, with a team of highly-qualified Loan Specialists who can find the right non-bank lenders and make the process fast, efficient, and hassle-free.

This Zolve difference is made up of two parts: our custom-built platform and the service commitment of our in-house team of Zolve Loan Specialists.

Once we have reviewed you loan application, we actively seek win-win connections with suitable non-bank lenders on our platform.

This is where your dedicated Zolve Loan Specialist comes into their element. We know that there is no tech in the world that can replace the problem-solving skills of our people. We are outside the box loan specialists, achieving optimal loan solutions to complex lending scenarios faced by property developers and investors.

Our dedicated and knowledge team will help you every step of the way, from start to finish. They also structure and negotiate the loan terms that you want with your interested non-bank lenders, ultimately saving you time and money.

Get your loan today

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