Non-Conforming Loans

Have you been in default and you are now finding that banks will not consider your credit impairment?

At IBN Direct, we appreciate flexibility is key. If you are a business owner with credit issues or cannot show financials, we offer alternative funding solutions. When all other avenues have failed, we can work to get your loan approved and get you back on track to a mainstream lender.

  • Alternative income verifications accepted
  • Credit impairments considered
  • First mortgages up to 70% LVR
  • Will consider rural locations
  • Will consider construction

How IBN Direct can assist…

  • We understand why mainstream lenders have knocked you back and we have solutions that will take your situation into account.
  • We have a solid relationship with an excellent selection of Funders who are willing to consider credit issues.
  • We have no up-front fees and will advise you of all costs involved, so you know what to expect.
  • Our efficient and friendly staff will assist with your application and keep you up-to-date throughout the loan progress.

If you don’t meet the traditional lending guidelines, contact the experienced team at IBN Direct for a funding solution to get you back on track.

Learn more about our other funding solutions:

2015 NC pic
Commercial Loans Development Loans  Short Term Business Loans



“Our team here have had the pleasure of working with Scott and Fiona Roberts along with their team at IBN for the past couple of years. We have found everyone involved with IBN to be very efficient, organised and professional with all the dealings that we have had with them. Nothing is too much trouble for the team at IBN and the services that they offer to both the client and the funder are second to none. We look forward relationship with the IBN team well into the future.”

- Funder

“IBN always go that one step further to achieve an outcome. If at all possible, they achieve results for their clients. Communication channels are an extremely important part of this business, and IBN have an excellent system. Dealing with IBN is professional, at the same time keeping the personal touch as its focus.”

- Private Funder

"Operating as a Financial Counsellor I encounter many difficult financial situations. Recently I had a client with a complex arrangement that none of the major Banks were willing to help with. I had IBN’s number sitting in my draw for a few months and thought I would see if they could help me find a solution for my client. It took a little while to find the right answer to a complex problem that would work for my client and I, but the staff at IBN were fantastic and never gave up on finding me a suitable Lender within the timeframe I had. When the settlement was completed and we could breathe again my client and I were ever so thankful for the support and professionalism IBN gave us.  IBN provides a fantastic service and I would recommend them to anyone."

Rod Garland ~ Financial Counsellor