Alternative Funding (AI Funding and Private Funding)

Not every sound proposal fits a bank’s credit policy. A young company without three years of audited accounts, a promoter with a thin credit file, a property with a title the lender will not take a view on, or a requirement that simply has to close in days rather than weeks — these are refused not because the underlying business is weak, but because the standard programme has no box to put them in.

Alternative funding is the route for exactly those cases. Fortunerise Advisory arranges finance from private lenders, family offices, high-net-worth investors and non-bank funding houses whose mandates are written around the merits of a transaction rather than a fixed eligibility grid. Where a conventional lender reads a rejection code, these funders will look at cash flow, security cover, exit and the strength of the promoter.

We use AI-assisted analysis to prepare and place these proposals. Your financials, bank statements and GST data are read to build an accurate cash-flow and repayment-capacity picture, and to match your profile against the funders whose appetite genuinely fits — so the proposal reaches a shortlist likely to say yes, instead of being circulated widely and declined repeatedly. Every recommendation is reviewed and signed off by our advisors; the analysis informs the judgement, it does not replace it.

Private funding is priced above bank finance and is deliberately structured as a bridge — to a sanction, an approval, a receivable or a sale. We will tell you plainly what it costs, how the exit works and whether waiting for a conventional lender would serve you better. If the honest answer is that you should wait, that is the advice you will get.

What you get

• Private and non-bank funding for cases outside standard credit policy
• AI-assisted profiling that matches your proposal to funders with real appetite
• Bridge and short-tenure structures with a clearly defined exit
• Fast decisions where timing, not eligibility, is the constraint
• Transparent pricing, and a straight answer when conventional finance is the better route