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1300 112 355

Private Bank Lending · Specialist Lending

Your balance sheet says more than your payslip. We make sure the bank reads it.

Lending through the private banking arms of the banks, for borrowers whose wealth sits in entities, property and investments. We tell you straight whether a private bank fits, and which one.

$1.5b in settled lending

MPA Top Commercial Brokers

5.0 Google rating

Phone answered 24 hours

What happens next

  • We call at your preferred time, usually within one business day.

  • A 15 to 30 minute conversation about what you hold and owe.

  • The bank, the structure and every cost, in writing.

  • Nothing is lodged until you have agreed the plan and any fee.

Complex commercial transactions may carry a fee for service, quoted upfront: half at application, the balance only on approval. Enquiring won’t affect your credit score.

Why commercial through Evolve

Commercial is where we do our best work

Read as one position

Trusts, companies, distributions, rent and assets are assessed together, the way a private bank credit team reads a file, rather than payslip by payslip.

Deep lender relationships

Deep working relationships with 15 to 20 lenders tell us which private bank team suits your file, and when a specialist lender fits better.

Lodged once, properly

Entity chart, income evidence and exit are built before a bank sees your name, so the file is lodged once and assessed on its merits.

Covenants negotiated first

Private bank facilities carry covenants, reviews and cross-security. We negotiate those terms before you commit, not after the letter of offer arrives.

Case study

[SUPPLY: the outcome in one line, no rate figures]

[SUPPLY: an anonymised private bank lending outcome in four beats: situation, what other lenders said, what we did, result]

“It is refreshing to deal with a expert who really knows his stuff. At no time do you feel Mark and his team are not focused on delivering the very best for your situation. Thank you Mark and the team at Evolve Lending & Finance.”

Daniel, Google review

“Evolve Lending & Finance have looked after us a number of times we have always found the team to be very friendly courteous and they just get the job done we would not go anywhere else.”

Lyn, Google review

In plain terms

Private bank lending, used well

Private bank lending is the credit side of private banking: the divisions inside the major banks, and a few specialist banks, that look after clients above a certain level of income, assets or total borrowing. Qualify and you get a dedicated banker and a credit team that assesses your whole balance sheet, including trusts, companies and investment income, rather than a payslip.

It is not private lending and short-term loans, the non-bank money used to bridge a gap. This is bank credit, priced around the relationship, and the difference between an approval and a polite decline is usually how the file is built: the entities, the income story, the exit. Deep working relationships with 15 to 20 lenders tell us which credit team fits, or when a lender for complex loan scenarios fits better.

Tell us what you hold, what you owe and what the lending needs to do. The answer will be straight: it fits, it fits with changes, or not yet.

How it works

From first call to a settled facility

  • Step

    The first conversation

    A call, usually within one business day, covering what you hold, how it is structured and what the lending needs to achieve.

  • Step

    Position and structure, tested

    We map the entities, income and security, and check whether a private bank or a specialist lender fits the file better.

  • Step

    The recommendation, in writing

    Which bank, what structure, what covenants and what it costs, set out in writing and explained before you commit to anything.

  • Step

    Lodged, negotiated, settled

    We lodge once, handle valuations and credit questions, negotiate the letter of offer and coordinate settlement with your solicitor.

Understanding private banking

What to know before you apply

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Run your numbers

What would the repayments look like?

Contact Form

$7,604

estimated monthly repayment

Estimate only, excludes fees. Commercial pricing is set deal by deal; enter your own rate. Not an offer of credit or financial advice.

See what your deal would actually price at →

Keep exploring

Short-term non-bank money, with the exit planned first.

When the bank has said no and the file needs a person.

Borrowing inside your super, structured correctly from day one.

Start with a straight answer

Tell us what you hold, what you owe and what you want to do next. We will tell you whether a private bank fits, which one suits the file and what it will cost, in writing. If you can’t do it yet, we will say so and tell you exactly what changes that.
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Straight answers

Questions people ask before applying