In the world of private credit, it’s not hard to find lenders that promise fast approvals, flexible terms, and cheap loans. But according to many in the property and finance sectors, there’s one firm that consistently stands out for delivering more than just promises—privately held private credit firm Woodbridge Capital.
Over the past three years, this specialist private credit lender has quietly but decisively established itself as a major force in Australia’s mid-market lending space, with the team having successfully deployed over $5 billion of loans over the past 10 years with zero loan impairments. It’s a segment often overlooked by larger banks and institutions, yet critical to the success of property developers and brokers working in Australia’s dynamic built environment.
Ask those who’ve worked with Woodbridge, and a consistent theme emerges: if a deal needs a problem solved, or when challenges arise—and they inevitably do in property development—Woodbridge is the lender you want in your corner.
“Solving problems is what we do best,” said Andrew Torrington, managing director and CIO of Woodbridge. “Anyone can lend money, but when a borrower needs a creative lending solution, they hit a speed bump, or when a project faces unexpected challenges, that’s where we separate ourselves from the pack. We roll up our sleeves, we engage, and we work out a solution—fast.”
This problem-solving mindset has become something of a trademark for Woodbridge and the team. While the firm is proud of its ability to move fast – something that appeals to brokers and developers alike—Torrington insists that speed is only part of the equation.
“Fast, flexible, and transparent—that’s the baseline,” he said. “But it’s not enough to just be quick and clear. You have to be a lender that actually helps borrowers solve problems. That’s the real value we bring to the table.”
Woodbridge isn’t your typical private credit lender. In fact, the firm is different from just about everyone else in the market.
Torrington has spent more than 20 years in the construction industry, holding senior executive roles at some of Australia’s largest builders, including Multiplex, Probuild, and Icon Kajima. That hands-on experience—working as a developer, builder, and subcontractor—gives Woodbridge a perspective that few lenders can match.
“We understand what it’s like to be in the trenches,” said Torrington. “We know the pressure points. We know the timelines. We know what can go wrong—and how to fix it. That’s why we’re able to work with brokers and borrowers so effectively when the unexpected happens. We don’t just provide funding; we understand the reality of getting a project out of the ground.”
Woodbridge’s focus on the $10 million to $100 million loan range is deliberate.
Many lenders dip into the mid-market opportunistically, but few have the scale, experience, and discipline to make it their core business. For Woodbridge, the mid-market is where it thrives.
“Mid-market borrowers are often the ones building the apartments, warehouses, and commercial spaces that keep Australia’s economy ticking,” Torrington said. “They need a lender who understands that scale and who can navigate the complexities that come with it—whether that’s structuring bespoke terms, working through delays, or adapting to market shifts.”
It’s this deep understanding of mid-market dynamics that has earned Woodbridge a strong following among brokers and developers alike.
“For us, it’s not just about providing capital,” said Torrington. “It’s about being the kind of partner who’s there when things get tricky. We don’t hide behind the loan documents. We don’t get cold feet. We solve problems—because that’s what a good lender should do.”
Transparency has long been a point of differentiation for Woodbridge. In an industry where opaque fee structures and hidden clauses can create friction, the firm has built a reputation for clear communication and straightforward dealings.
“Our borrowers and brokers always know where they stand,” Torrington said. “We’re upfront about our terms, we don’t move the goalposts mid-deal, and we believe that clarity builds trust—and trust is everything in this business.”
That trust, combined with Woodbridge’s ability to deliver solutions under pressure, has made the firm a go-to partner for brokers and developers working on projects that don’t fit into the standard mould.
As the Australian property sector continues to evolve, the need for experienced, solutions-driven lenders in the mid-market has never been more critical.
For Torrington and his team, it’s a responsibility they take seriously.
“We’re proud of the $5 billion we’ve deployed, but more than that, we’re proud of the projects we’ve helped bring to life and the problems we’ve helped solve along the way,” he said. “Ultimately, that’s what we’re here for—helping our clients succeed, no matter what challenges they face.”
For brokers, borrowers, and developers navigating Australia’s complex property landscape, Woodbridge isn’t just a lender. It’s a problem solver.
And in an industry where problems are inevitable, that might just be the most important thing a lender can be.
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