★★★★★Over $500 million in business loans facilitated

Fast, Strategic Finance Within 24 Hours

Australia's fastest private lender

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Experts in complex lending and strategic, short-term finance

Secured Lending
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The Secured Lending Difference

Fast, flexible private lending solutions for Australian businesses and investors.

24hrs

We can provide funding within 24 hours of application.

Fast funding solutions
$250K-$10M

Loans from $250k up to $10 million secured against property.

Loan Range
9.7% p.a

Competitive rates from 9.7% p.a depending on loan type and security.

Interest rates
1-24 months

Flexible short-term loan periods from 1 to 24 months.

Short Term Funding

Our Loan Solutions

Bridging Finance

Bridging Finance

Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.

First Mortgage

First Mortgage

Private first mortgage loans secured against residential, commercial, or industrial property.

Second Mortgage

Second Mortgage

Unlock equity in your property without refinancing or disturbing your existing first mortgage.

Caveat Loans

Caveat Loans

Urgent caveat loans secured by property. No need to refinance your existing mortgage.

ATO Tax Debt

ATO Tax Debt

Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.

Debt Consolidation

Debt Consolidation

Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.

Urgent Business Loans

Urgent Business Loans

When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.

Short Term Loans

Short Term Loans

Flexible property-secured loans designed for businesses that need capital now and a clear exit path later. Ideal for bridging gaps, seizing opportunities, or managing short-term pressure.

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Scenarios We Can Help With

Browse our full range of private lending scenarios we can help assist with.

Success Stories

Case Studies

View all case studies
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
Short-term finance
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
Short-term loans
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
ATO Tax Debt Loan Success
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
ATO Tax Debt Loan Success
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
From Enquiry to Settlement in 4 Days: How a Second Mortgage Delivered Urgent Capital of $300K
Short-term loans
From Enquiry to Settlement in 4 Days: How a Second Mortgage Delivered Urgent Capital of $300K
Saved from a Dodgy Lender: Why the Cheapest Rate Can Cost You Everything
Short-term loans
Saved from a Dodgy Lender: Why the Cheapest Rate Can Cost You Everything
Unlocking Industrial Property Deals: How Flexible $5 Million Funding Secured a Port Adelaide Warehouse
Short-term loans
Unlocking Industrial Property Deals: How Flexible $5 Million Funding Secured a Port Adelaide Warehouse
Navigating the Tightrope: When a $800,000 Tax Liability Met a Time-Sensitive Property Play
Short-term finance
Navigating the Tightrope: When a $800,000 Tax Liability Met a Time-Sensitive Property Play
Michael T.

"Settled in 48 hours when other lenders said no."

We were under serious time pressure to settle a commercial property and our bank couldn't move fast enough. Secured Lending assessed our deal within hours, issued a letter of offer the same day, and we settled in 48 hours. The team was direct, transparent, and genuinely understood our situation. I wouldn't hesitate to use them again.

Michael T.
Sydney, NSW

"I'd already spoken to two banks and it was going nowhere. These guys actually listened and came back with something workable in a day."

Property Investor

"Straightforward, no mucking around. Got the loan, paid the bills, back to business."

Transport Company Manager

"They were upfront about fees and process. What mattered was the speed and we didn't have time to wait weeks."

Transport Company Manager

"We needed funding urgently and SL facilitated a second mortgage approved quicker than I expected. The team was responsive and straight to the point."

Director, Property Development Firm

"I've dealt with a lot of lenders over the years, and this was refreshingly easy. We received a caveat loan sorted without the usual back-and-forth."

Import/Export Business Owner

"Stuck with tax debt that no one wanted to touch. Gino and his team didn't flinch and got it done."

Construction Company Director

"Cashflow was tight and Gino moved fast to work out a bridge. Thanks SL."

Retail Chain Founder

"We were under the pump with suppliers. I rang SL on a Tuesday, and by Friday the money was in. Honestly quicker than I expected."

Small Retail Business Owner

"I'd already spoken to two banks and it was going nowhere. These guys actually listened and came back with something workable in a day."

Property Investor

"Straightforward, no mucking around. Got the loan, paid the bills, back to business."

Transport Company Manager

"They were upfront about fees and process. What mattered was the speed and we didn't have time to wait weeks."

Transport Company Manager

"We needed funding urgently and SL facilitated a second mortgage approved quicker than I expected. The team was responsive and straight to the point."

Director, Property Development Firm

"I've dealt with a lot of lenders over the years, and this was refreshingly easy. We received a caveat loan sorted without the usual back-and-forth."

Import/Export Business Owner

"Stuck with tax debt that no one wanted to touch. Gino and his team didn't flinch and got it done."

Construction Company Director

"Cashflow was tight and Gino moved fast to work out a bridge. Thanks SL."

Retail Chain Founder

"We were under the pump with suppliers. I rang SL on a Tuesday, and by Friday the money was in. Honestly quicker than I expected."

Small Retail Business Owner

Non-Bank Lender

Australia's Fastest Private Lender

  • •We are a private, non-bank lender
  • •Leaders in strategic and short term finance within Australia
  • •Funding in 24 hours
  • •We use our own private funds
  • •Internal property valuation team
  • •Loans from $250,000 to $10 million
  • •Over $500M loans facilitated
About us
Barangaroo Sydney
Who we are

Who is SL Capital & Secured Lending?

SL Capital is a loan facility manager that lends and invests in secured debt transactions. The principals of SL Capital have lent over $500M of their own funds in debt investments and are now providing the opportunity for Wholesale and Sophisticated Investors within the meaning of the Corporations Act to access their investment expertise.

Secured Lending sits under SL Capital, and is an Australian private lending company based in Barangaroo, Sydney. Secured Lending is known for short term, strategic fast finance, with the ability to fund and settle loans within 24 hours. Secured Lending specialises in short term secured business loans and operate nationally across wider Sydney, Melbourne, Brisbane, Perth, Adelaide and Canberra.

We are a non-bank lender focused on short-term, commercial loans. Our role is to provide fast, practical funding solutions without the games and delays common in this space.

A key advantage is our internal property valuation team. We bring extensive experience in property valuation, development, and complex securities, allowing us to assess all types of property-backed deals quickly — including part-completed developments, land banks, unique assets, and time-sensitive high yielding opportunities.

We can settle first and second mortgage loans up to $10 million, often within 24 hours. To date, we've facilitated over $500 million in loans for businesses, investors, and developers across Australia.

We emphasise transparency and straight communication. In most cases, we can give you an answer within hours. If the deal fits and you accept the terms, a Letter of Offer is issued immediately so the loan can move forward without delay.

Secured Lending is your private lending alternative in providing secured business loans and fast funding solutions for small to large businesses across Australia.

We pride ourselves on our transparency and client focused approach, supported by our extensive experience and passion for real estate, property development and commercial finance.

We use our own funds and have our own internal property valuation team. This allows us to move fast.

Borrow

SL Premium Income Fund are excited to open their portfolio, providing an opportunity for Wholesale and Sophisticated Investors access to the private lending market.

All loans will be secured by a first registered mortgage over real property, a personal guarantee from the borrower and a General Security Agreement over the company borrower.

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