Private lending.
Helping you grow.

Easy, Flexible & Fast Lending.

  • Rates from 9.95% p.a.
  • Approval within days
  • Access up to $2.5M

Private lending
Helping you grow.

Easy, Fast & Flexible Lending.
  • Rates from 8.95% p.a.
  • Approval within days
  • Access up to $2.5M

Thanks to our low fuss, time sensitive application process, you can enquire online with us today and get approval within days.

What we offer here at Xceda

Property loans

For loans up to $2.5m and secured against residential dwellings, bare land and commercial buildings.

Business loans

Servicing Australian SME’s with cash flow requirements, from asset purchases to debt consolidation. 


We offer investment opportunities in both the ethical investment space and through our high yield mortgage income fund.

Do you need a quick cash injection for your Business? Are you looking Business or Property loan without the time wasting? 

Xceda Finance offers borrowers access to business finance with a fast, efficient and sensible lending approach.

Enquire today and an indicative financing decision on funding can be made within 24-48 hours of the initial application from a borrower or broker.

The Xceda difference

The team at Xceda wants you to grow, on your terms.

Here at Xceda, we understand the frustration and time consuming nature of traditional bank lending. Our fast, efficient and sensible lending approach means that for our customers, an indicative decision on funding can be made within 24-48 hours of the initial application.

  • Flexible Lending Solutions – small and medium size businesses face many and varied challenges. We have developed our commercial lending solutions to offer maximum flexibility as we know that one size does not fit all. We also know that not all businesses are equipped for growth, so at Xceda we work with business owners and management to improve their lending conduct, ultimately assisting them to become more “bankable” as they grow.
  • Market competitive rates – Xceda offers competitive market rates, starting at 9.95% for First Mortgage Lending.  
  • Efficient application process – Once you submit your enquiry you will have a member of our dedicated Lending team ready to review your application and take you through the lending process fast and seamlessly. 
  • Nil upfront commitment costs – the team at Xceda will discuss your loan requirements before providing a Letter of Offer for your approval. Should you decide not to proceed, you will not be obligated to pay any upfront fees or costs. 
  • Flexible terms and conditions – Our loan terms start from 3 months up to 36 months with additional rollover options for another 12 months for certain loan services.  

Straight forward 3-Step Initial Application Process

Step 1

Submit your loan enquiry online – this will only take a couple of minutes.

Step 2

Receive a call back from one of our Lending Specialists to discuss your lending requirements. 

Step 3

Get a Letter of Offer with our rates, fees and all other relevant details, for your approval.

bridging finance to fund a property development

Submit your enquiry today and you can have an indicative decision on your lending requirements within 24-48 hours.

Are you a business that can benefit from our Lending Services?

  • Australian SME’s who need a quick cash injection.
  • Property Developers that need fast, flexible funding.
  • Range of businesses with financial needs including: working capital, asset or stock purchases or property settlements.
  • Clearing ATO debts or debt consolidation.
  • Businesses requiring flexible lending terms from 3 up to 36 months. 
looking for a short term construction loan to complete a project

Do you have questions?

Our friendly team is available to chat on 1300 121 653, weekdays from 9am to 5pm (AEST).

Check out our recent deal highlights here

Residential Construction Finance (Second Mortgage)

Scenario:With escalating construction prices, the builder was part way through a residential renovation of an investment property and was unable to secure funding through their existing bank.  With mainstream banks taking months to process applications, the borrower needed a lender who could get the job done within a matter of weeks, so the property


Property Refinance & Equity Release (First Mortgage)

Scenario:Client held a residential investment property in Brisbane and was seeking to increase their existing first mortgage to extract more equity to purchase an additional investment property. Although the LVR was low and servicing was easily established from the property’s rental income, their existing lender did not agree to the

short term lending, private lending

Revolving Credit Facility (Second Mortgage)

Scenario:Client wanted to import goods from overseas with purchases occurring monthly. Most of the goods were required to be purchased from the supplier prior to importing so the Borrower had a short term funding gap until the goods were on Australian soil. Bank would not provide a loan due to