Why fundU
Finance that moves with you
Banks are built for tidy applications. Real businesses aren't always tidy. Here's what makes fundU different when you need funding that actually lands.
Deal directly with the lender
fundU is a direct private lender — not a broker or a matchmaking service. The people you talk to are the people who decide.
Decisions at the speed of business
No credit committee in another city and no panel to wait on. Funding in as little as 24 hours once approved, in some cases.
Less paperwork
No financial statements or tax returns for the initial assessment. We focus on the property, the purpose and the plan to repay.
Structures that fit
Interest-only, capitalised interest with no monthly repayments, or principal and interest — built around your cash flow.
First or second mortgage
Refinance and consolidate with a first mortgage, or keep your bank loan untouched and borrow behind it with a second.
A fair go on credit
Bad credit, defaults, IRD arrears and previous bank declines are considered case by case. Your story counts.
Bank, broker or direct lender — what's the difference?
| Big bank | Broker | fundU (direct lender) | |
|---|---|---|---|
| Who decides | Bank credit team, often by formula | Whichever lender they send it to | Our own credit team |
| Speed | Often weeks | Depends on the lender chosen | Fast — funding in as little as 24 hours once approved in some cases |
| Paperwork | Full financials and tax returns | Varies | No financials needed for the initial assessment |
| Credit issues and IRD debt | Frequently a no | Varies | Considered case by case |
| Your bank loan | Must refinance to move | Varies | Keep it — borrow behind it with a second mortgage |
Read the full comparison in our guide: private lender vs bank vs broker.
Priced on your circumstances
We don't publish rate cards, because a rate card can't see your business. Every fundU loan is priced on the individual scenario — the property, the loan size, the term and the purpose — and we give you the sharpest rate available for that situation. Talk to us and you'll get a real answer, not a teaser.
Built for moments that matter
Most of our clients call at a turning point: an IRD letter, a statutory demand, a bank that said no, or an opportunity that won't wait. Before anyone reaches for liquidation or a fire sale, we'd rather help fund a way through. See business rescue finance and alternatives to liquidation.
A practical next step
Ready to see what's possible?
Tell us what the business needs, when you need it and what property is available. A fundU lending specialist will call you back to talk it through — enquiring is free and won't affect your credit score.