Go Private Finance
Go Private Finance (A.A.L FINANCE Pty Ltd) is an Australian direct lender founded in 2017 that provides short-term, asset-backed business loans from $20,000 to $25,000,000 to SMBs unable to access traditional bank finance, settling within 24 hours.
- Company typePrivate
- Founded2017
- HeadquartersMelbourne, Australia
- Headcount—
- GTM typeB2B
- OfferingServices
What Go Private Finance does
Go Private Finance, legally A.A.L FINANCE Pty Ltd, is an Australian private direct lender operating from Melbourne, Victoria. Founded in 2017, the firm provides short-term business loans secured against residential, commercial, and vacant land real estate. It offers three core products — 1st Mortgage (up to 95% LVR), 2nd Mortgage (up to 75% LVR), and Urgent Caveat Loans (up to 75% LVR) — with loan sizes ranging from $20,000 to $25,000,000 and terms of 1 to 36 months. Funding is typically released within 24 hours of approval, with interest and all fees capitalized into the loan principal so no monthly payments are required during the term.
The company operates as a direct lender using its own funds rather than as a broker, while maintaining a referral network of 45+ partner lenders used for downstream refinancing. Its target customers are Australian business owners who cannot access traditional bank finance due to bad credit, lack of proof of income, or time-critical funding needs. Distribution is entirely direct-to-consumer via a website inquiry form, a 1800 number with 24/7 support, and email. The firm's technology footprint is limited to a website with online inquiry forms, Google Analytics for traffic analysis, and Cloudflare for security — there is no disclosed underwriting platform, no API, and no mobile application.
The business model is transaction-based: revenue is generated from interest charged on each short-term loan that is repaid. With 6 employees and 400+ loans originated since inception, the operation is small in scale. Notably, the legal entity does not hold an Australian Credit Licence (ACL), is not an Authorised Credit Representative, and does not hold an Australian Financial Services Licence (AFSL), which constrains the range of credit activities it can lawfully perform and is a material consideration for any investor or acquirer.
Go Private Finance firmographics
Firmographics- Name
- Go Private Finance
- Legal name
- A.A.L FINANCE Pty Ltd
- Website
- https://goprivate.finance
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Short description
- Go Private Finance (A.A.L FINANCE Pty Ltd) is an Australian direct lender founded in 2017 that provides short-term, asset-backed business loans from $20,000 to $25,000,000 to SMBs unable to access traditional bank finance, settling within 24 hours.
- Ownership category
- akta.pro rank
Go Private Finance industry classification
Industry- Product category
- Short-term Commercial Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
- akta.pro secondary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Go Private Finance is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Go Private Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Short-term business loan interest: Revenue generated from interest charged on short-term business loans. Loans range from $20,000 to $25,000,000 with terms of 1-36 months. Interest and all fees are capitalized into the loan (no monthly payments required during loan term). One-time transaction-based revenue per loan repaid.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 1st Mortgage: up to 95% LVR, $20,000 to $25,000,000, 1-36 month terms |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Go Private Finance product offering
Product offeringCore offering
Go Private Finance is an Australian direct lender that originates short-term business loans secured against residential, commercial, or vacant land property. It offers three core products — 1st Mortgages (up to 95% LVR), 2nd Mortgages (up to 75% LVR), and Urgent Caveat Loans (up to 75% LVR) — sized from $20,000 to $25,000,000 with terms of 1 to 36 months. Loans are funded using the company's own capital (not brokered), typically settled within 24 hours, with all interest and fees capitalized so no monthly repayments are required during the loan term.
Product overview
Go Private Finance is a short-term business lender offering three core loan products: 1st Mortgage (up to 95% LVR), 2nd Mortgage (up to 75% LVR), and Urgent Caveat Loans (up to 75% LVR). All products provide lending from $20,000 to $25,000,000 with 24-hour funding, fixed interest rates, and no monthly payments during the loan term. The company positions itself as an alternative to traditional banks, specializing in harder-to-get business finance solutions for Australian business owners since 2017.
Differentiator
Problem solved
Functional benefit
Products and services
- 1st Mortgage Business Loan Asset-backed short-term business loan sized from $20,000 to $25,000,000, funded within 24 hours, with up to 95% loan-to-value ratio on first-mortgage security. Designed for Australian business owners needing fast access to capital without proof of income, with fixed interest rates and capitalized interest and fees (no monthly payments during the 1–36 month term).
- 2nd Mortgage Business Loan Asset-backed short-term business loan sized from $20,000 to $25,000,000, funded within 24 hours, with up to 75% LVR as a second mortgage behind an existing first mortgage. Features fixed interest rates with no monthly payments during the loan term, suitable for borrowers with existing mortgage debt who need additional short-term business capital.
- Urgent Caveat Loan Emergency short-term business loan sized from $20,000 to $25,000,000 with funding within 24 hours, up to 75% LVR, structured as an asset-based caveat loan with all payments pre-paid and no proof of income required. Targeted at business owners facing urgent funding needs such as imminent settlements, ATO debt, or business-critical cash flow shortfalls.
Quantifiable outcome
- 387+ happy clients and 400+ loans issued since 2017
- +2 more outcomes
Companies that use Go Private Finance
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles1 record
Go Private Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Go Private Finance partnerships and signals
Strategic signalScale indicators6 records
Recent moves3 records
Expansion highlights3 records
Go Private Finance competitors and assessment
Company assessmentDirect peers
- Prospa: Leading Australian online lender to small businesses, offering working capital and business loans via fast digital application. Directly comparable target customer (Australian SMBs needing quick funding) and use cases, though Prospa is unlicensed-lending-risk-averse and more tech-led.
- Moula: Australian online business lender providing short-term working capital to SMBs using data-driven underwriting. Comparable SMB target segment, short-term loan structure, and direct-to-consumer GTM, but with stronger tech platform and external funding.
- OnDeck Australia: Australian online SMB lender (subsidiary of OnDeck Capital) offering short-term business loans with rapid approval. Directly comparable on product type (short-term business lending), customer segment (SMBs), and direct-to-consumer distribution.
- Spotcap: Australian online business lending platform providing flexible working capital lines to SMBs. Comparable target market (Australian SMBs) and short-term lending focus, with similar speed-of-funding value proposition.
- Capify: Australian alternative business finance provider offering working capital and small business loans. Directly comparable on alternative-lending positioning for SMBs who struggle with mainstream bank finance.
- Lumi: Australian fintech offering short-term working capital loans to SMBs via a digital application flow. Comparable product structure, customer base, and emphasis on speed, but with a more technology-driven underwriting approach.
- Swoop Finance: Australian business finance marketplace connecting SMBs with a panel of lenders for loans, asset finance, and working capital. Comparable Australian SMB customer segment, though operates as broker/intermediary rather than direct lender.
- GetCapital: Australian non-bank lender providing working capital, equipment finance, and cash flow loans to SMBs (now part of NAB). Comparable SMB target market and short-term business lending product set, but operating at materially larger scale.
Broad incumbents
- Pepper Money: Established Australian non-bank lender offering residential, asset, and commercial finance including specialist lending for non-conforming borrowers. Larger, more diversified incumbent operating in overlapping non-conforming/asset-backed lending space.
- Liberty Financial: Major Australian non-bank lender offering residential mortgages, asset finance, and commercial loans, including specialist lending products. Broad incumbent with overlapping non-conforming/asset-secured lending, operating at significantly greater scale with proper licensing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Go Private Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Go Private Finance leadership team
Management profileNumber of profiles
Go Private Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Go Private Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Go Private Finance
What does Go Private Finance do?
Go Private Finance is an Australian direct lender that originates short-term business loans secured against residential, commercial, or vacant land property. It offers three core products — 1st Mortgages (up to 95% LVR), 2nd Mortgages (up to 75% LVR), and Urgent Caveat Loans (up to 75% LVR) — sized from $20,000 to $25,000,000 with terms of 1 to 36 months. Loans are funded using the company's own capital (not brokered), typically settled within 24 hours, with all interest and fees capitalized so no monthly repayments are required during the loan term.
Is Go Private Finance a public or private company?
Go Private Finance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Go Private Finance founded?
Go Private Finance was founded in 2017.
Where is Go Private Finance based?
Go Private Finance is headquartered in Melbourne, Australia, in the Oceania region.
How does Go Private Finance make money?
One revenue line is on record: short-term business loan interest.
Who are Go Private Finance's main competitors?
Direct peers on record are Prospa, Moula, OnDeck Australia, Spotcap, Capify, Lumi, Swoop Finance and GetCapital. Broad incumbents are Pepper Money and Liberty Financial.
Does Go Private Finance have an API?
No public API is recorded for Go Private Finance.
What industry is Go Private Finance in?
Go Private Finance's product category is Short-term Commercial Lending. Its primary akta.pro industry code is FSALAGAA, Closed-End Home Equity Loans (Second Mortgages), with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6153.