Mining and resources projects rarely fit neatly into a standard bank box. Revenue can be cyclical, timelines can move, and capital needs can spike quickly when an opportunity appears or when operational issues need immediate funding. A private lender can provide secured mining and resources finance that is built for speed, flexibility, and real world execution. Contact us today.
At Secured Lending, we speak to clients every week who require finance for mining and resources related needs, and we are happy to provide guidance and requirements for this type of funding. If you are weighing up timelines, security options, and settlement certainty, the right private lending structure can reduce delays and help you keep control of the project.
Why mining and resources businesses choose private lending
Mining and resources funding often needs to move quickly and be structured around security and a realistic exit, rather than a rigid policy framework. As a private lender in Australia, Secured Lending focuses on clear decision drivers, practical risk assessment, and settlement certainty where the transaction is suitable.
Key benefits of working with a private lender for mining and resources finance
Faster credit decisions when timing matters
Mining and resources transactions often involve tight windows, whether you are securing a site, purchasing equipment, or refinancing to meet an upcoming commitment. Private lending can move faster because the assessment and decision making are streamlined.
Secured Lending uses our own funds for fast decisions and we have an internal property valuation team. That means fewer moving parts, fewer handoffs, and clearer timelines.
Asset backed funding aligned to your security position
Private mining finance is commonly structured as a secured business loan or a private mortgage where the focus is on the underlying security and the exit strategy. This can suit business owners who have strong asset backing but do not want to lose time in long approval cycles.
Secured Lending are specialist private lenders in secured business loans, private mortgages including first mortgage and second mortgage solutions and bridging loans. If you have property security, or you need a second mortgage solution behind an existing lender, private lending can be a practical way to unlock short term liquidity.
Short term solutions designed for bridging and transition periods
Many mining and resources borrowers are not seeking a long term facility. They need short term capital to bridge a gap such as a refinance in progress, a contract milestone, a pending asset sale, or a working capital pinch.
We specialise in short term loans with terms from 1 to 24 months. This supports clear, purpose built funding where you can align the facility with a defined exit such as refinance to a bank, project progress, sale of an asset, or injection of equity.
Settlement certainty for urgent needs
When you need funds quickly, certainty of settlement becomes as important as price. Private lending can provide a clear pathway from application to valuation to documentation and settlement.
Secured Lending can facilitate 24 hour settlements up to $10M where the transaction is suitable and the requirements are met. This speed can be critical for time sensitive opportunities, urgent refinancing, or preventing disruption to operations.
Flexible structures for complex real world scenarios
Mining and resources businesses can have multiple entities, layered security, or non standard cash flow. Private lenders can often structure facilities around the real risk drivers, focusing on security, loan to value, and exit planning.
This is particularly relevant when you need:
- private bridging finance while negotiating longer term funding
- Capital to stabilise cash flow during a contract transition
- Funding against property while equipment finance is arranged separately
- A second mortgage to unlock equity without replacing a first mortgage
What Secured Lending can help fund in mining and resources
Private mining and resources finance can support a range of business needs when the loan is appropriately secured and the exit strategy is clear. Common use cases include:
- Working capital to manage operational costs and timing gaps
- Refinance of existing private debt or non bank facilities
- Time critical acquisitions tied to property backed security
- Bridging finance against residential, commercial, or industrial property
- Funding to support business continuity during project delays
- Short term funding to meet a settlement or payout requirement
Every scenario is assessed on its own merits. If you are unsure whether your requirement fits, we can explain what information is required and how to position the application.
Our lending capability and key loan details
Secured Lending is built for speed, clarity, and secured outcomes.
- $500M+ funded
- We use our own funds for fast decisions and have an internal property valuation team
- 24 hour settlements up to $10M
- Rates from 9.2% p.a. | Terms 1 to 24 months
- We specialise in short term loans
These details are most relevant for business owners who value execution, time certainty, and a direct lending partner.
How private mining and resources finance is typically assessed
A private lender will generally focus on a small set of decision drivers. Understanding these helps you prepare and avoid delays.
Security and value
Most facilities are secured by property. Valuation and loan to value are central. With an internal valuation capability, the process can be more coordinated and time efficient.
Purpose and rationale
A clear purpose matters, whether it is bridging, refinance, acquisition support, or cash flow stabilisation. The cleaner the story, the smoother the approval.
Exit strategy
Private lending is usually short term. A credible exit plan is essential. Examples can include refinance to a bank, sale of an asset, or a known cash event. The goal is to match the term to the exit so the facility supports your business rather than adding pressure.
Documentation readiness
Speed improves when information is organised. We are happy to provide guidance and requirements, including what is typically needed to move from enquiry to decision to settlement.
Where we lend
Secured Lending is a private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. If your security is in a nearby regional location, we can still assess it based on the asset, the structure, and the exit.
Why business owners choose Secured Lending
When you are seeking mining and resources finance, you want a lender that understands secured lending, moves quickly, and communicates clearly. We speak to clients every week who require finance and we are happy to provide guidance and requirements for mining and resources funding.
Secured Lending are specialist private lenders in secured business loans, private mortgages including first mortgages and second mortgages and bridging loans. If you need a short term facility with a fast decision and a clear path to settlement, we can assess your scenario and provide a direct view on suitability, structure, and next steps.
