If you are buying a commercial property, speed and certainty matter. Settlement dates do not move because a bank credit team is slow. Vendor pressure, tight due diligence windows, and complex income structures can all make traditional commercial property finance difficult to secure when you need it most. Contact us today.
Secured Lending is an Australian private lending company under SL Capital, focused on short term, property backed lending with fast decisions and clear requirements. We speak to clients every week who require finance and we are happy to provide guidance and requirements for a Commercial Property Purchase.
A non-bank private lender for Commercial Property Purchase
Working with a non-bank private lender for a Commercial Property Purchase can be the difference between securing the asset and missing the opportunity. The key advantage is that your deal is assessed with a focus on the security, the exit strategy, and the timeframe, rather than a rigid bank policy checklist. If you need a private lender in Australia that can assess quickly and provide clear requirements, private lending can be a practical solution when bank timeframes don’t match the transaction.
Why borrowers use private lending for commercial acquisitions
Private lending can suit commercial purchases where the deal is sound, but the timeline or structure doesn’t match a traditional lender’s process.
Benefits of non-bank private lending for commercial property acquisition
Faster outcomes when time is critical
Secured Lending can fund and settle within 24 hours in suitable scenarios, which helps when you are dealing with auctions, short settlement periods, or expiring approvals.
Direct decision making using our own funds
We use our own private funds for fast decisions, reducing delays created by external capital committees and layered approvals.
Quicker valuation turnaround
An internal property valuation team supports rapid assessment of property backed transactions, helping you move from enquiry to indicative terms faster.
Flexible approach to complex scenarios
non-bank business loans can be well suited to transactions involving non-standard income, short term bridging needs, transitional assets, or where timing and execution risk is the main issue.
Where private lending can fit in your purchase strategy
You may consider private lending when you need to:
- Secure a property before refinancing to a longer term facility
- Bridge a timing gap while another asset sells
- Complete a time sensitive acquisition where bank timeframes do not fit
- Move quickly on an off market opportunity
- Resolve a settlement shortfall while preserving the purchase
In many cases, the goal is simple: get the property secured and settled on time, then move to a longer-term structure once the pressure is off and the next step (refinance, sale, or income stabilisation) is ready.
Commercial Property Purchase loan details (Secured Lending)
These are the core parameters we work within, so you can quickly assess fit.
- Proven track record: We have facilitated over $500 million in loans.
- Loan size: $250k to $10M
- Rates: from 9.2% p.a.
- Loan term: short term finance, 1 to 24 months
- Speed: We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast, including within 24 hours in suitable scenarios.
What we lend against and how we assess risk
Commercial property purchases can include industrial, retail, office, mixed use, and specialist assets. In private lending, the fundamentals that typically matter most are:
- Property security and title position
- Quality and saleability of the asset
- Borrower capability and conduct
- A clear exit strategy (refinance, sale, or a business cash flow event)
- A realistic timeframe with supporting documents
If your scenario is not perfectly packaged, that does not automatically mean it is not fundable. The aim is to present a clear story that matches the asset, the numbers, and the exit.
Structuring matters: more than a single “loan product”
Secured Lending are specialist private lenders in secured business loan solutions, as well as a private mortgage and short term property backed lending options.
This matters for commercial property purchase because the right structure is often not a single product. Depending on the property, the timeline, and your existing facilities, the solution may be:
- A first mortgage to complete the purchase
- A second mortgage behind an existing lender (where appropriate)
- A bridging facility designed around settlement timing and the exit plan, including private bridging finance where suitable
Service areas across Australia
We are a non-bank private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. Secured Lending operates nationally across these major markets.
What to expect when you speak with Secured Lending
We keep the process practical and decision focused. When we speak with business owners and investors, we typically work through:
- The property and purchase details, including timing and contract conditions
- The security position, such as first mortgage or second mortgage requirements
- The funding amount, intended term, and the exit plan
- Valuation requirements and any time critical constraints
- A clear view of costs, timeframes, and next steps
If you are pursuing a Commercial Property Purchase and need a private lender who can move quickly, Secured Lending can provide guidance, confirm requirements, and tell you early whether the deal is likely to fit.
Frequently Asked Questions
1) How fast can you actually issue terms and get to settlement for a commercial purchase?
If the scenario is suitable and the key information is available (contract, security details, borrower/exiting plan), we can move quickly—sometimes to settlement within 24 hours. Timing depends on valuation needs, title checks, and how quickly documents can be provided and signed.
2) What does “clear exit strategy” mean for a commercial purchase loan?
It means there is a realistic and time-bound plan to repay the short-term facility. Common exits include refinancing to a longer-term lender after settlement, selling another asset, selling the property being purchased, or a defined business cash-flow event that can be evidenced.
3) I’m buying a property with uneven or transitional income—how is that assessed?
We focus on the security, the story behind the income, and what changes after settlement (e.g., lease-up, tenant change, fit-out completion, DA/works). Transitional assets can be fundable when the timeline and exit are credible and supported by documents.
4) Can private lending help if I’m short at settlement or the bank reduced the approved amount late in the process?
Yes—this is a common reason borrowers use private lending. A short-term solution can cover a settlement gap so you can complete the purchase, then refinance or restructure once the immediate deadline has passed.
5) Do I need a valuation, and how do valuations work when time is tight?
Often, yes. Valuation requirements depend on the property type, location, deal structure, and the risk profile. We have an internal property valuation team to support rapid assessment and help move from enquiry to indicative terms faster.
6) What information should I have ready so you can give an early “yes/no” on fit?
Typically: the contract of sale (or draft), property address and basic details, the amount required and desired term, any existing debt on the security (if applicable), and a clear outline of the exit (including supporting evidence where available). Having these ready helps us give practical guidance and a quicker view on viability.
