Our Process
How we work
At Ocean Settlements, we believe in making private lending as straightforward and seamless as possible. With years of experience and a deep understanding of the challenges our clients face, we’ve developed a 5-step process designed to deliver the financial solutions you need—quickly, clearly, and with no unnecessary complications.
Transparency
No upfront commitment fees or hidden charges—just clear, straightforward terms.
Flexibility
Our process is designed to accommodate ACN holders, self-employed individuals, and others who may not meet traditional lending criteria.


Our simplified 3 step process
Receive an Indicative Quote
It all starts with a no-obligation quote. Share your goals with us, and within hours, we’ll provide an estimate tailored to your unique situation.
Valuation
A professional valuation will be arranged promptly, ensuring a quick turnaround. This cost is your only out-of-pocket expense during this stage.
Settlement
With everything in place, your loan is settled within 3-5 days from signing loan documents. Need funding faster? Speak with our team, and we’ll do everything we can to meet your timeline.