Private Lending. Simplified.

Short-Term Lending,
Done the Milk Crate Way.

Fast, flexible finance for builders, developers, and business owners who need decisions - not delays.

No Fluff. Just Finance.

We provide short-term private loans, bridging finance, and asset-backed lending without the banking bureaucracy. We understand that in construction and business, timing is everything.

Short-Term Private Loans

Capital when you need it most, secured against property.

Bridging Finance

Close the gap between purchase and sale or settlement.

Asset-Backed Lending

Leverage your assets to unlock immediate cashflow.

Explore All Solutions

The Milk Crate Philosophy

Some of the biggest deals in Australia’s history happened not in boardrooms, but on milk crates behind shops, in garages, or in backyards. It symbolises straight talk, trust, and getting things done.

Speed Over Process

We don't have credit committees that take weeks. We make decisions fast so you can move forward.

Built for Builders

We understand construction cycles, progress payments, and the reality of site delays.

A Handshake Ethos

We value relationships. When we say we'll do something, consider it done.

Who We Are

Founded by lifelong friends Theo and George, Milk Crate Finance was born from a shared belief that private lending had become too complicated. We wanted to bring back the simplicity of an honest conversation.

Who We Help

We specialise in supporting those who build, develop, and invest in Australia's future.

Builders

Developers

Business Owners

Investors

Ready to talk business?

No long forms. No waiting on hold. Just a direct line to decision makers.

Short-Term Lending, Done the Milk Crate Way.