Private Credit Solutions
Private Capital Structured for Property Transactions
Rumo Finance structures private credit facilities secured against property assets, connecting borrowers with private lenders and specialist credit funds across Australia.
01
Senior First Mortgage Loans
Senior secured lending for property acquisitions, refinances and bridging transactions.
02
Second Mortgage Loans
Additional capital secured behind an existing first mortgage facility, used to increase leverage or unlock liquidity.
03
Mezzanine Finance
Structured mezzanine capital used alongside senior debt to support development and investment transactions.
Typical Transactions
What we do everyday
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Bridging finance for property acquisitions
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Development finance capital stack
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Refinance of maturing private facilities
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Short term liquidity against property assets
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Complex borrower scenarios declined by banks
Transaction Experience
200+
Transactions structured
Property acquisitions, refinances and private credit facilities arranged across residential and commercial assets.
$342M +
Capital introduced
Private credit facilities structured across first mortgage, second mortgage and mezzanine transactions.
130+
Capital Partners
Relationships across banks, non-bank lenders, private credit funds, UHNW's and specialist capital providers.
Private Credit Advisory
Rumo Finance is a private credit advisory firm specialising in property backed lending. We structure first mortgage, second mortgage and mezzanine facilities by connecting borrowers with private lenders, credit funds and specialist capital providers across Australia.
Our focus is on transactions that require speed, flexibility or complex structuring, including acquisitions, refinances and development funding.
By working closely with borrowers, lenders and professional advisors, we ensure capital is structured efficiently and transactions execute smoothly from initial review through to settlement.
WHY RUMO FINANCE?
Speed, Access and Execution
Rumo Finance specialises in structuring private credit facilities for property transactions where speed, flexibility and certainty of execution are critical.
Through relationships with private lenders, credit funds and specialist capital providers, we deliver funding solutions that move far faster than traditional bank processes.
Indicative transaction outcomes are often achieved within 24–72 hours, allowing borrowers to move quickly on time-sensitive opportunities.
01
Rapid Credit Assessment
Private lenders can assess transactions far more quickly than traditional banks. Indicative outcomes are often provided within 24–72 hours, allowing borrowers to move quickly on time-sensitive opportunities.
02
Access to Private Capital
Rumo Finance maintains relationships with private lenders, credit funds and specialist capital providers actively deploying capital into property-backed transactions across Australia.
03
Structured Funding Solutions
We structure first mortgage, second mortgage and mezzanine facilities designed to align borrower objectives with lender requirements and ensure efficient execution.
Capital Stack
Where Private Credit Sits in the Capital Stack.
Private credit can be structured at different levels within a property transaction's capital stack, providing flexible funding where traditional bank lending may be insufficient or too slow.
Rumo Finance structures facilities across senior, second mortgage and mezzanine positions depending on the transaction.
Private credit lenders often participate across multiple levels of the capital stack depending on the risk profile and structure of the transaction.
Typical Private Credit Parameters
Loan size: $250k – $10M+
Combined LVR: Up to 75–80%
Term: 3 – 24 months
Indicative credit outcomes: 24–72 hours
Typical Transactions
Private credit is commonly used for property transactions where speed, flexibility or complex structuring is required.
Rumo Finance structures private credit facilities across a range of scenarios including:
Bridging finance for property acquisitions
Short-term funding to secure a property while longer-term financing is arranged.
Second mortgage facilities for equity release
Unlock capital secured against existing property assets.
Refinance of maturing private loans
Replace expiring private facilities where banks are unable to refinance quickly.
Development project funding
Structured senior, second mortgage or mezzanine facilities within development capital stacks.
Short-term liquidity against property security
Access capital secured against residential or commercial property assets.
Time-sensitive property transactions
Funding solutions where settlement timing is critical.
