private lender
noun [ C ]
FINANCE ukusa person or organization that lends money to people who are having difficulty getting loans, usually at a higher rate than a bank would charge:
Many people are turning to small private lenders when the bank turns them down for a loan.
a private, not a government, organization that lends money:
The Federal Housing Administration does not make loans; it provides mortgage insurance to borrowers through a network of private lenders.