About Private Credit Loans

What we do

We arrange short-term, property-secured commercial loans for Australian corporate borrowers. We do not lend our own money — we work as the intermediary between borrowers and a panel of non-bank commercial lenders, specialist private lenders, and private investors with capital to deploy. Our focus is narrow on purpose: registered first mortgages, registered second mortgages, construction finance without presales, and renovation & flip finance. That narrow focus is what lets us know our funders' credit appetites cold and move deals quickly.

How we're set up

Andorra Capital Solutions Pty Ltd is the broker entity on every transaction. We are not an Australian Credit Licensee — we do not need to be, because we only arrange business-purpose loans to corporate borrowers, which sit outside the National Consumer Credit Protection Act 2009. Every borrower signs a Business Purpose Declaration before drawdown of any loan we arrange.

Related entities

Private Credit Loans is part of a group of finance businesses run by the same founders, operating at arm's length under separate licensing where required:

• —Andorra Private — commercial finance brokerage (Australian Credit Representative under ACL 387856) for the broader commercial finance market, including some NCCP-regulated business finance.
• —Your Lending Friend — consumer credit representative, regulated under the NCCP Act, for car loans, personal loans and consumer finance.
• —The Lending Lab — residential home loan brokerage.

The four businesses refer between each other where the right product sits in a different entity. Private Credit Loans does what it says on the tin: arranging property-secured private commercial lending to corporate borrowers, outside the NCCP Act.

Where to find us

Suite R1926, 38-40 Pitt Street, Sydney NSW 2000. Phone 0480 521 605. Email nicholas@andorraprivate.com.au.