Tell us about your deal
Two minutes, no documents needed yet.
Olivaeus Advisory
Private lender or bank: which is right for your business deal?
By Olivaeus Advisory. Updated 26 September 2026.
The answer first
The right private funding structure depends on the business purpose, property security, timing, total cost and exit. A funder needs the whole story presented clearly before it can assess the deal.
How banks decide
Start with the purpose and the commercial reason for using private funding. Funders consider this point alongside the security, existing debt, timing and repayment plan. The facts and supporting documents need to be consistent.
How private funders decide
Funders consider this point alongside the security, existing debt, timing and repayment plan. The facts and supporting documents need to be consistent.
Cost, speed and flexibility
Funders consider this point alongside the security, existing debt, timing and repayment plan. The facts and supporting documents need to be consistent.
A bridge back to a bank
Funders consider this point alongside the security, existing debt, timing and repayment plan. The facts and supporting documents need to be consistent.
Questions to ask yourself
Funders consider this point alongside the security, existing debt, timing and repayment plan. The facts and supporting documents need to be consistent.
Example scenario, not a settled deal
A business purpose borrower has suitable property security and a defined need. The deal is assessed on its own facts, including the exit and total cost.
How it works
Four simple steps to your funding
Get your application pack
If it fits, we send the mandate and application form the same day, and help you set out your exit strategy.
We take it to the right funders
Your file goes only to the funders whose appetite matches your deal.
You choose, we settle
You pick the terms that suit you and we manage it through to settlement.