FUND BUILD GROW
We provide tailored private finance for business owners and property developers, together with access to selected Australian property development opportunities for eligible investors.
Property and finance experts focused on taking applications from assessment to settlement.
Shamrock Lending was founded in 2025 on a simple conviction: property finance works best when the people structuring the loan have stood on both sides of it. Our team property developers, finance experts, credit analysts and lawyers brings together more than 25 years of experience and over $368 million in settled loans. From $50K to $30M+, and backed by a network of 43+ referral partners, we exist to deliver funding that is structured with rigour, settled with certainty, and built around the ambitions of the developers and investors we serve.
Discover our historyFUND BUILD GROW
We provide tailored private finance for business owners and property developers, together with access to selected Australian property development opportunities for eligible investors.
Property and finance experts focused on taking applications from assessment to settlement.
Shamrock Lending was founded in 2025 on a simple conviction: property finance works best when the people structuring the loan have stood on both sides of it. Our team property developers, finance experts, credit analysts and lawyers brings together more than 25 years of experience and over $368 million in settled loans. From $50K to $30M+, and backed by a network of 43+ referral partners, we exist to deliver funding that is structured with rigour, settled with certainty, and built around the ambitions of the developers and investors we serve.
Discover our history
Bridging Finance
Development Finance
Asset Finance
Trade Finance
Unsecured Loans
Business / Commercial Loans
BridgingFinance
Short-term property finance that helps clients access funds quickly while waiting for a sale, refinance, or long-term funding.
Learn moreDevelopmentFinance
Specialist property development finance for land purchases, construction projects, renovations, and residential or commercial development.
Learn moreAsset /Equipment Finance
Funding solutions that help businesses purchase vehicles, machinery, equipment, or technology without large upfront capital investment.
Learn moreTradeFinance
Business finance that supports supplier payments, stock purchases, imports, purchase orders, and cash flow during trading cycles.
Learn moreUnsecured BusinessLoans
Fast business funding without property security, ideal for cash flow, working capital, expansion, or urgent business needs.
Learn moreBusiness / CommercialLoans
Flexible business loan solutions to support growth, manage cash flow, fund expansion, or cover key commercial costs.
Learn moreBridgingFinance
Short-term property finance that helps clients access funds quickly while waiting for a sale, refinance, or long-term funding.
Learn more- Loan Amount$50,000 – $10,000,000+
- Security1st or 2nd mortgage
- Term1 – 12 months
- Interest RateFrom 9.5% p.a.
- LVRUp to 80%
- FeaturesInterest-only repayments, flexible exit strategy
DevelopmentFinance
Specialist property development finance for land purchases, construction projects, renovations, and residential or commercial development opportunities.
Learn more- Loan Amount$50,000 – $35,000,000+
- Security1st or 2nd mortgage over the site or project property
- Term1 – 12 months
- Interest RateFrom 8.9% p.a.
- LVRUp to 80%, based on as-is or end value
- FeaturesProgressive drawdowns, structured release stages
AssetFinance
Funding solutions that help businesses purchase vehicles, machinery, equipment, or technology without large upfront capital investment.
Learn more- Facility TypeEquipment / Asset Finance
- Loan AmountFrom $30,000 to $1,000,000+
- RepaymentsMonthly over up to 5 years
- Fitout DeferralUp to 120 days
- Equipment TypeNew or second-hand
- Requirements2+ years trading
- Interest RateFrom 7% p.a.
TradeFinance
Business finance that supports supplier payments, stock purchases, imports, purchase orders, and cash flow during trading cycles.
Learn more- Fees0.5% to 3% per month
- Establishment Fee1% to 1.5%
- Facility SizeUp to $5 million
UnsecuredLoans
Fast business funding without property security, ideal for cash flow, working capital, expansion, or urgent business needs.
Learn more- EligibilityMinimum two-year operating history required
Business /CommercialLoans
Flexible business loan solutions to support growth, manage cash flow, fund expansion, or cover key commercial costs.
Learn more- Loan Amount$50,000 – $10,000,000+
- SecuritySecured against property or business assets
- Term1 – 36 months
- Interest RateFrom 9.5% p.a.
- LVRUp to 80%
- FeaturesRapid approvals, minimal paperwork, early payout options
Become a Referral Partner
Introduce your clients and stay their trusted point of contact — our team handles everything behind the scenes, start to finish.
Sign the Broker Agreement
Getting started is as simple as signing our broker agreement. From there, nothing changes for your clients — you remain the face of the relationship and their ongoing point of contact. Your client is always your client; we work in the background, never between you.
Step 2We Do the Heavy Lifting
Our credit analyst assesses and packages the deal, our loan processor drives it through to approval, and our legal team handles settlement. One seamless process, end to end — while you stay focused on your clients.
Why Choose Shamrock Lending?
Need finance fast? At Shamrock Lending, we move quickly when other lenders slow you down.
Decisions on the spot
Most lenders take days to respond. We give you clear answers fast, so you know where you stand.
Speak directly with the decision-maker
No call centres. No junior staff. You deal directly with the people who can approve your loan.
Australia-wide lending
We help clients across every state and territory.
Built for complex deals
Self-employed? Complex income? Tight deadline? Bank declined? We specialise in harder deals that need real solutions.
Everything you need to know.
What types of business loans are available in Australia?
Shamrock Lending offers Australian businesses a full range of private funding options, including commercial loans, secured loans, unsecured business loans, cash flow finance, asset and equipment finance, bridging finance, development finance, and trade finance.
How it Works.
Submit Your Deal
Send us your loan and property details.
In-House Assessment
Our credit analysts, accountants and loan processors assess, structure and package your application—often on the same day.
Approval to Settlement
Our legal team manages the documentation and settlement, with one point of contact from start to finish.
Property finance, handled entirely under one roof.
