When your client needs funding and the bank can’t deliver.

A practical guide for accountants on using property-backed lending to solve time-critical client situations

Short-term funding from $100,000 to $20M
Secured against residential property
Designed for speed, certainty, and execution

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You’re not just solving finance problems, you’re protecting client relationships.

When funding falls through, the impact goes beyond the transaction. Deadlines are missed. Pressure builds.
And your client looks to you for a solution.
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In many cases, the issue isn’t viability, it’s that traditional lenders can’t operate within the required time frame or structure.

How Our Property-Secured Business Loans Work.

More accountants are using short-term, property-backed lending as a practical tool when:

Speed is critical
The scenario falls outside bank policy
A temporary funding gap needs to be bridged

This isn’t a replacement for traditional finance, it’s a complementary solution when timing and flexibility matter most.

Inside the guide

We’ve outlined five common client scenarios where accountants use private lending:

ATO Debt Pressure
Resolve urgent tax liabilities before escalation
Urgent Settlement Deadlines
Secure funding when timing is critical
Cash Flow Gaps
Bridge short-term liquidity constraints
Bank Declines (Despite Equity)
Access capital outside standard credit policy
Refinance Under Pressure
Stabilise situations when time runs out

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Download the Deal Scenario Guide

A straightforward approach to short-term funding

We work with accountants to provide funding solutions that are:

Secured against residential property
Structured for short-term needs
Assessed with a focus on real-world outcomes

Our role is simple, to provide a reliable funding option when conventional pathways fall short.

Why Partner With Rhodes Finance?

Client Satisfaction

Faster approvals and reliable funding lead to happier clients.

Nimble

Our process has been developed and honed to assist accountants and businesses as swiftly as possible.

Experienced

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Our depth of experience across financial services, lending, venture capital and funds management enables us to move beyond textbook credit analysis and focus on getting loans approved, efficiently and intelligently.

Problem-solving

Your client could be dealing with a challenging financial scenario and are unsure where to turn. Talk it through with us as we have the experience to help.

Frequently Asked Questions

What types of loans are available?

We offer short to medium term loans for business, commercial, or development purposes and it is to be secured by first or second mortgage.

How long does it take to get approved for a loan?

Our approval process is fast. Your loan proposal may be approved within 24 hours.

Do you offer NCCP loans?

We only offer non-NCCP loans. Our services are focused on loans that fall outside the scope of the National Consumer Credit Protection Act.

What are the eligibility requirements for a loan?

We are open-minded and will look at a range of factors when assessing a loan proposal. Examples of these factors include our security position, commercial of viability as well as exit strategy.

How do I apply for a loan?

To apply for a commercial loan, you will need to fill in the contact form or email enquiries@rhodesfs.com.au and we will be in touch shortly.

What are the interest rates and fees associated with loans?

The interest rate we charge will depend on a number of factors, including whether there is a 1st or 2nd mortgage available, LVR, perceived risk, and prevailing market conditions. There will be some fees involved, including potentially an establishment fee, legal costs, and property valuation fee. These will depend on the type of facility required. Please fill in the contact form or email enquiries@rhodesfs.com.au for more details.

Have a client scenario like this?

If you’re currently dealing with a time-sensitive situation, we’re happy to provide a quick view on whether a property-backed solution may be appropriate.

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