⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Private Lender in Melbourne
When banks say no, we can structure the deal.
Specialists in complex lending and strategic finance.
- Finance within 24 hours
- Loans of $250k to $10 Million
- Rates from 9.2% p.a
- 1-24 months terms
Private Finance for Commercial Loans in Melbourne
When you need capital and the standard channels are not moving fast enough, a private lender in Melbourne gives you direct access to funding that is structured around your situation, not a credit policy written for the average borrower.
Secured Lending is a non-bank lender servicing commercial borrowers across Greater Melbourne. We work with business owners, property investors, and developers who need fast, flexible finance and have the assets to support it.
We specialise in short to medium term commercial lending, with faster approvals, practical loan structures, and a process that does not require you to justify every line of your financials before someone will pick up the phone.
Why Work With a Private Lender in Melbourne?
Melbourne’s commercial environment moves at its own pace. Business owners and investors operating in it often have complex financial positions, time-sensitive opportunities, and funding needs that do not fit a standard application form.
As a private lender servicing Melbourne, we offer:
- Same-day approvals — conditional decisions often within hours
- Flexible credit criteria — we assess the full picture, not just the financials
- High approval rates — complex borrower profiles are what we do
- Loan amounts — $250k to $10 million secured against Melbourne property equity
Our loans suit business owners managing cash flow gaps alongside strong assets, developers who need certainty of funding to move on a site, borrowers carrying ATO debt or credit defaults, and investors who cannot afford to lose a deal to a slow process.
We structure as a first mortgage, second mortgage, or caveat loan depending on your position, your timeline, and what the deal requires.
Case Studies & Success Stories
Fast, Flexible Private Lending — Decisions in Hours
Speed matters. Whether you are covering a funding gap, settling a time-critical acquisition, or bridging to a longer-term solution, a slow lender is a problem. We are not a slow lender.
Loan terms:
- Amounts: $250,000 to $10 million
- LVRs: Up to 75% on Melbourne properties
- Terms: 1 to 24 months
- Interest rates: From 9.2%
- Repayments: Interest-only (paid in advance or capitalised) Settlements: As fast as 24 to 72 hours
We lend to borrowers that other lenders often pass on. Inconsistent income, adverse credit, ATO debt, complex structures, unconventional assets. If the security stacks up and the purpose is sound, we will look at it.
No call centres. No offshore credit teams. You deal directly with decision-makers who understand the Melbourne market and can give you a real answer quickly.
We work closely with brokers, accountants, and financial advisers across Greater Melbourne. If you are placing clients into private finance and need a lender who responds fast and settles when they say they will, we want to work with you.
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Melbourne's Fastest Private Lender
Same-Day Approvals
We frequently deliver conditional approval within hours of receiving a deal. For Melbourne borrowers working to tight deadlines, that is often the difference between getting the deal done and losing it.
24 to 72 Hour Settlements
When timing is critical, we move. Many of our Melbourne clients settle within 48 hours of approval. We have the systems and the people to make that happen without cutting corners.
Melbourne Market Knowledge
We know Greater Melbourne well. Suburb-level property values, council zoning, infrastructure corridors, and the commercial precincts that are growing versus those that are stalling. That knowledge informs faster, sharper credit decisions.
Transparent Pricing
Rates, establishment fees, and exit conditions are laid out clearly before you commit. No surprises at settlement and no fees buried in the back of a 40-page loan agreement.
Relationship-Driven
Many of our Melbourne clients come back for their next deal because we do what we say we will do, and we do it on time. That track record matters to us.
Broker-Friendly
We work with Melbourne brokers, accountants, and advisers. Fast responses, clear credit parameters, and settlement timeframes that are reliable enough to build a deal around.
Local expertise across Greater Melbourne
We know Greater Melbourne well, including how different councils operate, which corridors have genuine growth momentum, and the borrower types that are most active across the metro region.
Our Melbourne private lending experience spans the entire city and its surrounds.
We have successfully funded borrowers across:
- Inner City and CBD Fringe: Melbourne CBD, Southbank, Docklands, Fitzroy, Collingwood, Richmond, Abbotsford, North Melbourne
- Inner East: Hawthorn, Kew, Camberwell, Balwyn, Malvern, Box Hill, Boroondara
- Inner South and Bayside: South Yarra, Prahran, St Kilda, Port Melbourne, Brighton, Hampton, Sandringham, Cheltenham
- Northern Suburbs: Brunswick, Coburg, Preston, Northcote, Thornbury, Heidelberg, Greensborough
- North and Outer North: Essendon, Moonee Ponds, Craigieburn, Mickleham, Donnybrook, Mernda, Sunbury
- Western Suburbs: Footscray, Sunshine, Werribee, Point Cook, Tarneit, Melton, Hoppers Crossing
- South-East Melbourne: Dandenong, Cranbourne, Pakenham, Berwick, Narre Warren, Officer, Clyde North
- Eastern Suburbs: Knox, Ringwood, Doncaster, Templestowe, Mitcham, Croydon, Lilydale
- Mornington Peninsula: Frankston, Mornington, Mount Eliza, Rosebud, Sorrento, Portsea
We understand the lending landscape across Melbourne's 31 Local Government Areas, including the growth corridors, the established commercial precincts, and the emerging zones that are attracting serious development interest.
Whether you are based in the CBD, operating a business in the eastern suburbs, or developing in Melbourne's outer growth zones, we can assess your deal quickly and move to settlement without unnecessary delays.
What can private loans be used for?
Our private lending solutions support a wide range of commercial and property purposes:
Working capital for businesses managing cash flow gaps
Short-term business loans for time-critical opportunities
Bridging loans for property purchases and settlements
Property development in high-demand growth corridors
Land banking in emerging outer development zones
Purchasing commercial properties across established business hubs
Building commercial premises
Business acquisitions
Equipment finance for commercial operators
Business vehicle purchases and fleet funding
Mezzanine loans for complex property structures
Debt consolidation to simplify multiple business obligations
ATO and tax debt settlements for business owners
Almost any legitimate commercial purpose backed by property equity
Loans secured against commercial property
Speed When It Matters
Opportunities close fast and funding gaps do not wait. We approve and settle in days so you can act while the deal is still on the table.
Flexible Approval Criteria
We look at the overall position, not just what a credit score or tax return says about the last 12 months. Business owners with strong assets and complicated financials get funded here.
Local Decision-Making
Our knowledge of Melbourne's property market, council areas, and commercial landscape means we can make informed decisions quickly without needing to escalate or refer out.
Higher Loan-to-Value Ratios
We lend up to 75% LVR across Melbourne commercial and residential assets, including properties and borrower profiles that fall outside standard credit policy.
No Red Tape
Direct access to decision-makers. No queues, no offshore teams, no 47-page application packs. A straightforward process that respects your time.
Equity Releaseon Melbourne Assets
Unlock capital from your existing residential or commercial holdings without selling or waiting months for a conventional refinance to grind its way through.
Frequently Asked Questions
Conditional approval can happen the same day we receive your enquiry, often within a few hours. Settlement depends on the complexity of the deal and how quickly supporting documents come together, but 24 to 72 hours is genuinely achievable for straightforward transactions. We have settled loans in under 24 hours when the situation required it. If you have a hard deadline, tell us upfront and we will tell you honestly whether we can meet it.
We lend against residential investment properties, commercial properties, industrial assets, and development sites across Greater Melbourne. That includes properties in outer growth corridors, mixed-use buildings, and assets that other lenders decline due to condition, location, or zoning. If there is clear equity and a sound exit strategy, we will assess it. We do not lend against owner-occupied residential properties.
Yes. ATO debt and credit defaults are common among the business owners we work with. They do not automatically disqualify a borrower. What we are looking for is sufficient equity in the security property, a clear purpose for the loan, and a realistic exit strategy. If those elements are in place, we can structure around most credit complications.
Yes. We regularly fund borrowers operating through company structures, family trusts, unit trusts, and SMSFs. Complex structures are not an obstacle for us. We will need to understand the ownership and security position clearly, but that is a documentation question, not a credit one.
To give you a fast, meaningful response we need the basics: the property address and an estimate of its current value, how much you want to borrow, what the funds will be used for, and what your exit strategy looks like. A current mortgage statement if there is existing debt on the property is also helpful. We do not need a full application pack to have an initial conversation. Get the key details to us and we will come back to you quickly.
Yes. Refinancing out of another private lender is straightforward provided the security and LVR position supports it. We understand that situations change and that not every private loan was structured well from the start. If your current arrangement is not working, we can assess an alternative quickly. We do not need to know the history of why you are moving, only that the numbers stack up going forward.
Our standard maximum is 75% LVR across most Melbourne residential and commercial assets. In some cases we will consider going higher depending on the property type, location, borrower strength, and overall risk profile of the deal. The best approach is to put the deal to us directly. If there is a way to structure it, we will find it. If there is not, we will tell you that too.
A bridging loan is designed to cover a short-term funding gap, typically between the purchase of one asset and the sale or refinance of another. It sits as a first mortgage over the security property. A second mortgage sits behind an existing first mortgage, giving you access to equity without disturbing your current lending arrangement. A caveat loan is the fastest option, registered as a caveat rather than a formal mortgage, and is typically used when the timeline is extremely tight. We will recommend the right structure based on your circumstances and what will get you to settlement fastest.
Yes, and we actively welcome those relationships. If you are a broker or adviser placing clients into private finance, we offer fast initial assessments, clear communication throughout the process, and settlement timeframes you can rely on. We treat referral partners with the same directness we offer borrowers. No runaround, no unexplained declines, and no poaching your clients. Get in touch to discuss how we can work together.