Co-founder Joseph Eichenblatt explains how Equity Access’ new Hyper Bridge product – with lightning-fast settlements and up to 90 per cent LVR – is giving brokers the edge in Australia’s competitive private lending market
Q. You co-founded Equity Access in 2023. What inspired the launch?
Private lending was becoming saturated with the same wholesale funding lines, just branded differently. We saw the opportunity to create a lender that was truly private, fast, and decisive.
Because we’re funded by private family offices, brokers and borrowers deal directly with decision-makers. No committees, no red tape.
When a deal makes sense, we move. That agility allows us to settle in as little as five business days – from commitment fee paid to settlement.
Q. What are your target markets and loan types?
We provide non-coded business loans secured by Australian property. Our focus is on metro locations along the eastern seaboard – from Geelong up to the Sunshine Coast – plus South Australia and Canberra, with Western Australia on the horizon.
Q. What are your standard loan sizes and LVRs?
We offer:
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First mortgages: $500,000–$25 million
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Second mortgages: $200,000–$8 million
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LVRs: Typically up to 75 per cent and in prime areas up to 80 per cent
The standout, however, is our new Hyper Bridge product – a short-term first mortgage with up to 90 per cent LVR and two- to six-month loan terms.
It’s built for speed, flexibility, and scenarios, where timing is everything.
Q. What borrower profiles fit this new product?
We designed Hyper Bridge for three key groups:
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Borrowers nearing or past the end of their private loan term who need time to refinance or sell.
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Property owners wanting to release equity before listing their property for sale.
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Developers or business owners who need fast access to capital for overruns or urgent opportunities.
We also expect strong referral flow from other lenders who want to move loans off their books quickly.
Q. How does Hyper Bridge help borrowers avoid default or enforcement?
By stepping in fast. We can refinance an expiring private loan for up to six months, giving borrowers breathing space to sell on their own terms.
Rather than losing their entire equity to default fees and penalties, borrowers can retain 10–15 per cent equity – often enough to help fund their next purchase.
Q: Can other lenders refer loans they want off their books?
Absolutely! We take on deals other lenders need to move. We’re set up to make these transitions seamless.
Q. How do you manage risk with 90 per cent LVR loans?
It’s priced as a premium product – we’re upfront about that.
We take a portfolio approach, balancing risk across diverse assets and borrowers. Even with a few imperfect outcomes, the overall performance delivers strong portfolio returns.
Q. How fast can you settle a deal?
We can settle in just three business days.
Valuations are turned around in 24 hours, and our solicitors issue loan docs within one business day. It’s an end-to-end system designed for speed, simplicity, and certainty.
Q. What do you focus on when evaluating a deal?
We take a personal, common-sense approach: would I buy this property myself?
We assess the quality and liquidity of the asset, the borrower’s track record, and – critically – the exit strategy.
Q. Who’s coming to you for finance right now?
It’s a wide mix, but developers are leading the charge.
Rising construction costs have left many overcapitalised, unable to secure top-ups from existing lenders. They’re turning to us to unlock equity from other properties to finish projects.
We’re also funding borrowers seeking equity release before sale, ATO debt consolidation, and short-term working capital for business growth.
Q. Do brokers need to be on panel to access Equity Access?
Not yet. We’re still building out our panel relationships, but most aggregators allow off-panel submissions.
If not, our tick-and-flick model makes it easy – brokers simply email us the scenario and client details, we handle the process, and they receive a commission paid directly to them.
It’s about removing barriers and empowering brokers to deliver results quickly.
Q. What’s next for Equity Access?
Next year, we’ll be obtaining our Australian Credit Licence, rolling out more tech-enabled processes, and leveraging AI to streamline deal flow.
We’re also developing a few specialist niche lending products that will further expand opportunities for brokers.
We’re not just keeping up with the private lending market – we’re leading it.
To learn more about how Equity Access supports brokers, visit equityaccess.com.au or call +61 468 885 012 to discuss your scenario.
Hear more about how Equity Access helps brokers support commercial clients in The Adviser’s latest In Focus podcast, ‘The boom in private lending’, here:
Click here to listen on your device
