No B*nk - Private Lending Specialists
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1300 NO BNKS

Choose your own investment return?


No B*nk does that.

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The new lending platform allowing investors to control their own returns.

Welcome to the new Gold Standard for Sophisticated Investors.

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The No B*nk Lending Platform allows investors to lend money directly to borrowers, secured by real property, while at the same time giving them total control over the rate of return and other aspects of the loan agreement.

Achieve all of this from the palm of your hand, anywhere in the world. 
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"The No B*nk Lending Platform gets your money into the borrower's hand fast, and securely."





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We keep things simple.

No property or finance expertise required, no 3rd party funds handling risk.

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No pooled funds or managed investment schemes, No B*nk connects your capital directly to borrowers via our technology and using your chosen solicitor. All you need is capital to invest and to decide on the return you are comfortable with receiving. 
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"Our technology sits between you and the borrower and does all of the heavy lifting."

Take back control of your investment returns.

You set your desired investment return, and our technology finds you borrowers comfortable to pay you that rate.

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The No B*nk Lending Platform acts like a digital matchmaker between our investors and borrowers. Investors set their preferred returns and other conditions of lending, and our technology finds borrowers looking for lending terms that line up.

The platform then facilitates the final negotiations, due diligence and then engages both the investor's and borrower's solicitors to liaise directly to prepare and execute the loan contracts. 

Investors remain in total control of the transaction and set expectations and terms with borrowers upfront so there are no surprises.
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"Welcome to the future of Peer to Peer lending for sophisticated investors."

Investor Benefits

See how the No B*nk Lending Platform can help you optimise your investment portfolio and grow your bottom line.

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  • Total control over the rate of return - Lending interest rate is set by the investor 
  • You keep 100% of the return - No 3rd party fees or commissions are deducted from the interest rate you set
  • Fully Secured Lending - All lending is secured by way of First and/or Second mortgage. You can also set your preferences around this on the Platform. 
  • You hold the Mortgage - You become the direct mortgagee of the security - the best possible position to be in to mitigate risk. 
  • Returns Paid in Advance - Your agreed interest rate will be charged to the borrower monthly in advance and paid into your nominated account.
  • Control & Choice - Investors remain in total control of the transaction and set expectations and terms with borrowers upfront so there are no surprises.
  • Only choose the deals that suit you - You decide which lending opportunities to accept and when. You can be as active or inactive on the platform as you desire.
  • Extensive Borrower Due Diligence - Extensive due diligence on the borrower and the offered security will be undertaken by our Platform Team before you provide us approval to instruct your Solicitor.
  • Use your Solicitor - Complete freedom to continue using your preferred solicitor 
  • No 3rd Party Funds Handling Except Your Solicitor - Your money moves directly from your account to your chosen Solicitor's trust account. Then at settlement your solicitor executes the disbursement to the borrower's nominated account.
  • Fully Outsourced - The platform, our team and your solicitor handle the entire process on your behalf, there is no technical, administrative or negotiation legwork required by you whatsoever. 
  • Fast - From acceptance of a lending opportunity, your funds can be dispersed to a borrower and earning you a return in as little as 3 business days.
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Borrower Benefits

See how the No B*nk Lending Platform solves a growing commercial borrowing niche and drives demand for investor funds.

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  • Choice & Control - Borrowers also have choice and control over their preferred loan parameters including rate, term and security (within our standard guidelines and subject to 'matching' with the preferences of an investor/lender)
  • Non-B*nk Alternative - Due to a lack of trust and excessively rigid credit policies, borrowers are looking for options that don't involve a bank.  
  • Fast - From acceptance of a borrowing opportunity, funds can be dispersed to a borrower in as little as 3 business days.
  • Dynamic Pricing & Multiple Offers - Multiple lenders will 'bid' on a borrowing opportunity, creating natural competition and dynamic repricing for the borrower.
  • ​​Simple and Easy - Search, apply and accept loan offers from any device, anywhere in the world (for Australian security and funds disbursement only)
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A bit about the Australian Finance System

Read our quick historical account of the Australian Finance System and why the No B*nk Lending Platform was created. 

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The No B*nk Lending Platform was created out of a burning desire to provide investors and borrowers the chance to sidestep the complexities, risks, and potential conflicts of interest that are rife in the Australian banking and finance system.

For over 25 years we have observed the many ways that the Australian banking and finance system has continually put the interests of corporations and their management before investors and borrowers.
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Even when a fund or an institution completely collapses; and there have been countless examples over the years, some many would have assumed were too big to fail. The biggest losers are always the investors and sometimes also the borrowers.

We have also seen how the extreme fluctuation and overall squeezing of interest rates in Australia has created uncertainty and volatility in the borrowing market and also investor returns. Interest rates in 1989 were 17.5%. In 2020, they sit at just 0.25%. ​
Right now, the best return you can achieve on a bank term deposit is approximately 1.6% per annum. A loaf of bread is likely to grow in value twice as fast as your money sitting in the bank. 

Now, thanks to today's technology, we are able to tackle these challenges head-on and put the investor and the customer back in the drivers seat with the NoB*nk Lending Platform.
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How it Works

Getting on board and getting your funds out into the market has been designed to be as simple and pain-free as possible for our investors.

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  • STEP 1:   Register as a NoB*nk Investor
  • STEP 2:   Set your investment preferences: minimum/maximum loan amount, interest rate/return, maximum loan to value ration (LVR), minimum/maximum loan term, first or second mortgage security
  • STEP 3:   Review Lending Opportunities: Borrowers seeking loans where their preferences line up with yours will be presented to you for review.
  • STEP 4:   Accept/Make an Offer: Once you are comfortable with the proposed terms, accept the opportunity and make an offer of finance (subject to due diligence)
  • STEP 5:   Due Diligence & Valuation: The NoB*nk Platform Team will conduct comprehensive due diligence on the borrower and the proposed security and provide an outcome/report to you for approval. The borrower covers this expense.
  • STEP 6:   Instruct Solicitors: If you approve the due diligence, the Platform Team will instruct your solicitors to commence the preparation of loan contracts and other documentation
  • STEP 7:   Contracts Signed: Loan contracts will be sent to the borrower's solicitors for review and signing, then returned to you for your final execution.
  • STEP 8:   Funds Transfer: You will be requested to transfer the required funds into your Solicitor's trust account, ready for settlement
  • STEP 9:   Settlement: All settlement disbursements will be made by your solicitor in accordance with the loan contracts and a settlement report provided to you along with the mortgage(s)
  • STEP 10:   Interest Payments Commence: Immediately from settlement, your interest payments/income will commence being paid in advance into your nominated bank account.

The entire above process is entirely outsourced and taken care of for you once you accept/make an offer, and can usually be completed in as little as 3 business days. 
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Who qualifies as a Sophisticated Investor?

The No B*nk Lending Platform is open to Sophisticated Investors only. Learn below whether you qualify.

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You should seek specific advice from your accountant , however below are the general criteria for meeting the definition of a Sophisticated Investor:
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  • You have nett realisable assets of at least $2.5 million; OR
  • You have a gross income of $250,000 or more for each of the last two financial years; OR
  • You control a company that meets one of the above conditions.

You will be required to complete and sign one of our Sophisticated Investor forms which includes a declaration by your Accountant. 

The No B*nk Lending Platform is also available to Professional Investors. Below are the general criteria for meeting the definition of a Professional Investor:

  • I am an Australian Financial Services Licensee; or
  • I am a body regulated by APRA, other than a trustee of any of the following (within the meaning of the Superannuation Industry (Supervision) Act 1993):
                  - I am body registered under the Financial Corporations Act 1974; or
  • I am the trustee of:
                  - An approved deposit fund; or
                  - A pooled superannuation trust; or
                  - A public sector superannuation scheme;
  • Within the meaning of the Superannuation Industry (Supervision) Act 1993 and the find, trust or scheme has net assets of at least $10 million; or
  • I have and control at least $10 million (including any amount held by an associate or under a trust that I manage); or
  • I am a listed entity, or a related body corporate of a listed entity; or
  • I am an exempt public authority; or
  • I am a body corporate, or an unincorporated body, that:
            - carries on a business of investment in financial products, interests in land or other investments; and
            - for those purposes, invests funds received (directly or indirectly) following an offer of invitation to the public, within the meaning of section 82, the terms of which provided for the funds subscribed to be invested for those purposes;
            - is a foreign entity that, if established or incorporated in Australia, would be covered by one of the preceding paragraphs. 
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We started No B*nk to help you get finance that doesn't cost an arm and a leg. We want to be the ones you can turn to when banks say no. We finance the people and businesses that banks won't. And above all else, we're just a bunch of real people, not some faceless corporation.

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Brisbane

Level 1, Brisbane Club Tower,
Suite 355 / 241 Adelaide Street,
Brisbane QLD 4000
​​1300 NO BNKS (66 2657)

Sydney

Suite 24 / 377 Kent Street,
Seabridge House, 
Sydney, NSW 2000
​​1300 NO BNKS (66 2657)

Gold Coast

227/10 Albert Avenue,
​Broadbeach QLD 4218​
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​1300 NO BNKS (66 2657)

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