About Bequest Lending Group
Lending our own capital, on terms we can stand behind.
We started Bequest because too many capable borrowers were being turned away by rigid checklists rather than sound judgment. We lend privately, hold the risk ourselves, and make decisions with the borrower's actual circumstances in view.
Our approach
Underwriting is a conversation, not a form.
Every file at Bequest is reviewed by a person who can pick up the phone and ask a question, rather than an automated score that rejects on a technicality. We look at the whole picture — income, assets, the property, the plan — and price the loan accordingly.
Because we lend our own capital, there's no secondary investor to satisfy and no delay while a file sits in someone else's queue. The person who approves your loan is the person you can call after it closes.
We'd rather fund fewer loans and get each one right than approve everything and hope the numbers work out later.
— Bequest Lending Group, underwriting principle
What guides our lending
Four commitments we hold to on every file
Clear terms
Rates, fees, and repayment schedules are explained in plain language before you sign — not buried in an appendix.
Real timelines
We tell you how long underwriting will actually take, and we don't let a file drift without an update.
One point of contact
The person who takes your application is reachable through funding and beyond — no handoffs to a call centre.
Sensible risk
We lend against genuine ability to repay, not just collateral value, so the loan works for both sides.
Who we lend to
Individuals and businesses with a plan worth funding
Want to talk before you apply?
Reach out and we'll walk through whether Bequest is the right fit for what you're financing.