The short answer
Strive Financial is a private lender to companies and trusts. According to its website (as at October 2026), it offers property-backed lines of credit and term loans from $25,000 to $2,000,000 over 1 to 24 months, mainly through brokers. A Strive Financial alternative such as BizLoansFast lends $20,000 to $5,000,000 on caveats and mortgages, accepts enquiries straight from business owners, and never orders a valuation.
- Strive Financial states lines of credit and term loans from $25,000 to $2,000,000 for companies and trusts
- We lend $20,000 to $5,000,000 and also work with sole traders and partnerships
- We never order a valuation; our team assesses the property
- Compare private offers on total cost over the realistic term, not on headline pricing
| Strive range (per its website) | $25,000 to $2,000,000 |
|---|---|
| Strive terms (per its website) | 1 to 24 months |
| Our range | $20,000 to $5,000,000 |
| Valuation with us | Not needed |
People who search for a Strive Financial alternative are usually not after something radically different. They want another private lender, secured on property, that moves quickly, and they want to be sure they’re comparing like with like. BizLoansFast is a private lender of that kind: we’ve helped Australian businesses since 2004 with short-term loans as small as $20,000 or as large as $5,000,000, backed by a caveat or a first or second mortgage.
Because both lenders work in the same corner of the market, the useful comparison isn’t secured versus unsecured. It’s loan size, term, who can borrow, how you get in the door, what happens with the property check, and what the money really costs over the time you’ll hold it.
What does Strive Financial lend?
According to its website (as at October 2026), Strive Financial is a licensed private lender and finance arranger with an AFSL, based at Paradise Point in Queensland. It lends to Australian companies and trusts with company trustees, for property-backed business and investment purposes, through two products:
- Line of credit: $25,000 to $2,000,000, terms of 1 to 24 months with no minimum term, secured by PPSR registration plus a mortgage.
- Term loan: $50,000 to $2,000,000, terms of 3 to 24 months with a three-month minimum, secured by a mortgage.
The site also says decisions come within hours, that a bridging loan can be settled within 24 hours at the quickest, and that its in-house legal team prepares loan documents. It describes a broker-first model, and notes that approvals are subject to verification, valuation and final credit assessment.
Strive Financial and BizLoansFast compared
| Strive Financial (per its website) | BizLoansFast | |
|---|---|---|
| Loan amounts | $25,000 to $2,000,000 (line of credit); $50,000 to $2,000,000 (term loan) | $20,000 to $5,000,000 |
| Terms | 1 to 24 months (line of credit); 3 to 24 months (term loan) | Short-term, set to line up with your exit |
| Security | PPSR plus mortgage, or mortgage | Caveat, second mortgage or first mortgage over residential or commercial property |
| Borrowers | Companies and trusts with company trustees | Companies, trusts, partnerships and sole traders borrowing for business |
| How you apply | Mainly through a broker | Direct, through a 60-second online form or by phone |
| Stated speed | Decisions within hours; bridging loans can settle in 24 hours | Same-day approval common; funds within a day on simple files |
| Valuation | Approvals subject to verification, valuation and final credit assessment | We never order one |
Where do the two lenders actually differ?
Who can borrow
Strive Financial’s website limits borrowers to companies and trusts with company trustees. We also lend to sole traders and partnerships, provided the funds are for the business. If your business isn’t incorporated, that alone may decide it.
Loan size and shape
Both lenders start low. Above $2,000,000, our range continues to $5,000,000. Strive Financial offers a line of credit you can draw and repay within its term; our loans are lump sums, with interest either prepaid or capitalised so there’s nothing to service until the exit.
How you get in the door
A broker-first lender suits borrowers who already have a broker managing the deal. If you’d rather speak to the lender yourself, you can start an enquiry with us without one.
The property check
This is a genuine point of difference in how we work. We don’t order valuations, ever. Our team assesses the property and you tell us your estimate of its value. If you have an agent’s appraisal or a few comparable local sales, send them, as they speed things along, though nothing of the kind is compulsory. There’s no valuer to schedule and no valuation fee to pay.
When is Strive Financial the natural pick?
If your broker already has a relationship with Strive Financial, your borrower is a company or a trust with a corporate trustee, and a revolving line of credit fits the need better than a lump sum, it may well be the obvious choice. A facility with no minimum term is also useful when you may only need the money briefly. Our directory of private lenders in Australia lists other options by their stated ranges, and the broader lender comparisons page also covers cash flow lenders.
How should you compare two private loan offers?
Line up the total cost of each offer over the time you’ll actually hold the loan, not the headline pricing. Private loans carry costs in several places, and they don’t all sit in the same spot from one lender to the next.
- Ask for every cost in writing. Establishment, line fees, legal costs, discharge costs and anything charged on extension.
- Check how interest is paid. Monthly, prepaid up front, or capitalised into the balance changes your cash flow and the total.
- Look at the minimum term. If the loan has a minimum, work out what you pay if your exit comes early.
- Price the delay. Ask what an extension costs if settlement slips by two or three months.
- List pre-settlement costs. Valuations, legal reviews and searches, and who pays for each.
- Add it all up. Compare dollars repayable over the realistic term, best and worst case.
For a deeper look at how private pricing is put together, read how business loan pricing and fees work. And to be upfront, short-term private finance is pricier than borrowing from a bank; it pays its way only when timing or flexibility is genuinely valuable.
Illustrative example
Illustrative example: a Sunshine Coast builder needs $400,000 for roughly five months until a completed townhouse sells. Offer one prepays six months of interest with no refund for early repayment. Offer two capitalises interest, so it’s charged only for the months the loan is open. On a five-month sale, offer two may cost less even if its headline pricing looks higher, and if the sale drags to seven months, the extension terms on each offer decide which is better. The builder only sees that by modelling both outcomes before signing.
Refinancing a private loan that’s run past its term
If you’re already in a private loan and the exit has slipped, call before maturity. We can pay out another lender with a new caveat loan or a private first mortgage when there’s equity and a revised exit we believe in. Our business loan refinancing page covers the documents you’ll need.
Ready for a second option?
Getting a second private offer costs you nothing and doesn’t put a mark on your credit file. Your details stay with our team instead of being sent to a long list of funders. A lender who handles urgent property-backed deals reads your file and gives you a clear answer quickly, and if we can’t help, we’ll tell you plainly. Fill in every field carefully so the answer reflects your real situation.
Request your answer now, or phone 1300 852 150 to talk it through with a lender.
Strive Financial alternative: your questions answered
Is Strive Financial a direct lender?
According to its website (as at October 2026), Strive Financial describes itself as a licensed private lender and finance arranger, holds an AFSL, has in-house legal and says it makes its own decisions. Its loans go to Australian companies and trusts with company trustees, and it does not provide consumer credit.
How fast does Strive Financial settle?
Its website (as at October 2026) says decisions come within hours of assessment and that bridging loans can be settled in as little as 24 hours. Real timing on any deal depends on how quickly documents and approvals come together. We work on a similar clock: same-day approval is common with us, and simple files can be funded within 24 hours.
Can a sole trader borrow from Strive Financial?
Strive Financial's website (as at October 2026) says it lends to companies and trusts with company trustees. If you trade as a sole trader or partnership, check directly with them. We lend to sole traders, partnerships, trusts and companies, provided the money is for a business purpose and the property owner is part of the deal.
Can I go to Strive Financial without a broker?
Its website (as at October 2026) is built around brokers, describing a broker-first experience with applications taken through your broker. If you'd rather deal with a lender yourself, ask them how they handle direct enquiries. With us, business owners can enquire directly online or by phone.
Can I refinance a private loan from another lender with you?
Yes. If a private loan is nearing the end of its term and your exit has been delayed, we can look at paying it out with a new caveat or mortgage, provided the equity and a revised exit stack up. Send the payout figure, the original loan terms and the reason for the delay so we can answer quickly.
Sources we checked
Names are trademarks of their owners. BizLoansFast is not affiliated with any lender named on this page. Lender details are summarised from each lender's own website as at October 2026 and can change — check with the lender directly.
Written by the BizLoansFast lending team · Updated 2026-10-06