Private Credit Solutions for Property Transactions
Rumo Finance structures private credit facilities for borrowers requiring speed, flexibility or more complex funding structures.
We work across first mortgage, second mortgage and mezzanine facilities, connecting borrowers with private lenders, credit funds and specialist capital providers across Australia.
Whether the requirement is bridging capital, refinance, development funding or short-term property backed lending, we focus on efficient execution and clear pathways to settlement.
CHOOSE YOUR TRACK
Private Credit Solutions
01
First Mortgage Facilities
Senior secured lending for property acquisitions, refinances and bridging transactions.
Private lenders can often provide faster approvals and more flexible terms than traditional bank processes.
02
Second Mortgage Loans
Additional capital secured behind an existing first mortgage facility.
Second mortgages are commonly used to release equity, support property acquisitions or fund development projects.
03
Mezzanine Finance
Higher leverage capital used alongside senior debt within property development capital stacks.
Mezzanine facilities allow projects to proceed where senior funding alone is insufficient.
04
Joint Venture Equity
Equity partnerships with investors to support property acquisitions and development projects.
This capital sits above mezzanine in the capital stack and is typically structured alongside developer equity.
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.
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 maximum 75–80%
Term: 3 – 24 months
Indicative credit outcomes: 24–72 hours
