Goodland Capital: FlexiBiz, FlexiProperty and FlexiConstruction short-term loans

Plenty of private lenders describe themselves as “fast and flexible” and leave it there. Goodland Capital splits its lending into three named products, each aimed at a different problem: the cash-flow squeeze, the property that needs funds quickly, and the project caught between approvals. That makes it easier to see where it might fit.

This profile uses Goodland Capital’s own website as at October 2026. Its headline numbers are marketing claims and its terms can change, so confirm details with the lender before relying on them.

What are the three Goodland products?

Product	Aimed at	What the website says
FlexiBiz	Business cash flow	Funds in 24 to 72 hours, no minimum term, interest calculated daily, income assessment not required or may be waived, a second mortgage option where a bank isn’t suitable
FlexiProperty	Property owners needing quick funds	Emergency funds within days, internal valuations possible depending on location, loan-to-value ratios of up to 80% in certain postcodes, refinancing options
FlexiConstruction	Development and land holding	Funding during rezoning or approvals, non-structural renovations, extra funds for cost overruns; ratios of up to 80% in certain postcodes

The common thread is security. Loans are backed by a first or second mortgage over property, and the site states they are offered exclusively to non-consumer borrowers (those outside the National Credit Code). In plain terms: this is for business and investment purposes, not for a personal loan.

The loan sizes aren’t published as a range. The site shows recent settlements from about $300k to $10m, which tells you the practical territory is larger, property-backed lending.

Who is Goodland Capital a good fit for?

• Business owners with property equity and a short, specific need. A tax bill, a supplier shortfall or a short-term overlap can be met against the property without selling it.
• Investors and developers holding land during an approval, or needing a top-up for cost overruns.
• Borrowers whose bank is slow or unsuitable, using a second mortgage behind an existing lender. If your bank will help and it fits, take that offer seriously because banks are often the cheapest money. A private lender earns its place when timing or structure is the obstacle.

It is less suited to small amounts, long-term funding, or businesses with no property to offer. For those, see unsecured business loans or business loans without property.

What does “no income assessment” really mean?

Goodland says income assessment may not be required or may be waived for FlexiBiz. That is common in private lending, and it makes sense once you see the logic. When the loan is secured against property, the lender’s first question is about the property and the exit: is the equity there, and how will the loan be repaid?

That doesn’t mean anything goes. Expect questions about value, existing debts against the title, and how and when you will repay. A lender that doesn’t ask about the exit is a lender to be cautious of. Our glossary entry on a second mortgage covers the ranking, and the LVR calculator shows how much equity you may have.

Want a second pair of eyes on whether a second mortgage suits you? Tell us your property and the amount and we will point you to the sensible starting options.

What should you check before you sign?

1. Total cost in dollars for your expected term. Interest calculated daily plus establishment, valuation and legal fees adds up differently on a 3-month loan than on a 12-month one.
2. Is interest paid monthly or added to the balance?
3. What happens if the exit is late? Ask about extensions and default terms before you need them.
4. Who ranks ahead of you? For a second mortgage, your first lender may need to consent. Ask whether that is the lender’s job or yours.
5. Valuation: an internal valuation can be faster; it is worth knowing how it is determined.
6. Personal guarantees from directors, and how widely they apply.

Our second mortgage calculator is a quick way to see what the interest and fees might do to a short facility.

If Goodland Capital isn’t the right fit

• Need a quicker, lighter structure? A caveat loan can be arranged faster than a registered second mortgage. Caveat Loans Capital is one lender here that works in this space.
• Need more than $10m, or a first mortgage? Pacific 8 publishes a $300k to $25m range.
• Comparing private lenders? See Equity Lenders and use our lender comparison tool.
• A development in progress? Our guide to construction and development finance explains what lenders expect.

Want to know which private lender fits your property?

Private lending suits a specific kind of problem, and picking the wrong structure can cost time and fees. A quick conversation tends to be the cheaper route.

Our enquiry takes about a minute and does not involve a credit check. We won’t pass you around a list of lenders, and a real person on our team reads your answers before calling. Give accurate property details, existing debt and timing, so that we can steer you to the right structure the first time.

Talk to us about your property-backed options →