Important legal information about Pretty Chook lending services
Pretty Chook provides short-term commercial finance. Our rates are premium commercial rates designed for time-sensitive funding situations, plus establishment fees (typically 2–4% of loan amount), legal fees, valuation fees, and other charges. Contact us for detailed pricing specific to your circumstances.
Purpose: This product is designed for time-critical commercial situations where fast funding is essential and traditional bank finance is not available within required timeframes. Our borrowers are sophisticated commercial parties who prioritize speed and certainty when settling urgent property transactions, protecting larger projects, or avoiding costly delays.
Target Market: This finance is designed for sophisticated commercial borrowers who understand commercial bridge finance, have the capacity to service monthly interest, and have a clear short-term exit strategy (sale, refinance, or project completion).
Independent advice recommended: We recommend obtaining independent legal and financial advice before entering into any loan agreement. Your advisers should review all terms, calculate total costs over your intended loan term, evaluate available alternatives, and confirm this finance is appropriate for your specific commercial circumstances.
Content on this website is general information — not financial, legal or tax advice. It should not replace independent advice for your situation. Pretty Chook makes no guarantees about accuracy or completeness. Information may change without notice.
Our content does not consider your specific objectives, financial situation, or needs. We recommend seeking independent legal and financial advice before making any borrowing decisions.
Your advisers should review all loan documentation, calculate total borrowing costs, assess whether the finance is suitable for your circumstances, and evaluate all available alternatives (including traditional bank finance, other lenders, or delaying the transaction).
Examples and case studies on this website are illustrative only and not guarantees of results or suitability for your situation.
All applications undergo Pretty Chook's credit assessment and lending criteria. Approval is not guaranteed. Indicative quotes or preliminary assessments are not formal offers. Final approval follows due diligence, valuation and credit review.
We specialise in short-term, property-secured commercial loans between $50K and $500K for month-to-month (min. 1 month).
Flexible application: Can be used for various commercial purposes including settlement bridging, caveat finance, developer liquidity, and other time-sensitive funding needs.
All facilities are monthly-rollover loans with a minimum one-month term.
This product is designed for sophisticated commercial borrowers who:
This product is not suitable if:
We lend only to companies and trusts for business or investment purposes — not for personal, domestic or household use. As all lending is commercial, Pretty Chook operates outside the National Consumer Credit Protection Act 2009 and does not hold an ACL.
All rates and fees are disclosed before you sign. These may include application and establishment fees, monthly interest, valuation and legal fees, and other third-party costs.
Interest and fees for the first month are deducted upfront — you receive the net amount. The first month's charge is non-refundable even if you repay early.
To the extent permitted by law, Pretty Chook is not liable for loss or damage arising from use of this website or its information. We are not responsible for indirect or consequential loss.
Links to third-party sites are for convenience only. We don't control or endorse their content. Access them at your own risk.
Email: info@prettychook.com
Address: 44 Walnut Road, Balwyn North VIC 3104
ABN: 74 651 817 266