Property development rarely fails because the deal is bad. It fails because timing, conditions, or bank process does not match the project reality. If you are a business owner needing Property Development Finance, a private lender can help you move when the opportunity is live, approvals are time sensitive, and builders, vendors, and consultants need certainty. Contact us today.
At Secured Lending, we speak to clients every week who require finance. We are happy to provide guidance and requirements for Property Development Finance, including what information strengthens an application and what can slow it down.
The core benefits of working with a private lender
Faster decisions when a project cannot wait
Private lending is built for speed. When you need to secure a site, fund early works, or meet a critical milestone, time is a cost. A private lender can often progress from enquiry to approval with fewer handoffs and less institutional delay, helping you maintain momentum and credibility with your stakeholders.
Secured Lending uses our own funds for fast decisions and has an internal property valuation team. This supports a smoother path from assessment to funding.
Finance built around real world development timelines
Development and construction programs are rarely perfect. Variations, weather, supply delays, and DA timing can create pressure. Private Property Development Finance is typically structured with shorter terms and a clearer focus on the security, the feasibility, and the exit strategy.
We specialise in short term loans with terms from 1 to 24 months.
More practical assessment for property led deals
Banks often assess development deals through strict policy lenses that can make sense for standard lending but not for every project. A private lender may be better positioned to focus on the key deal fundamentals, such as:
- Security position and property value
- Borrower capability and track record
- Feasibility and margins
- Planning status and risk management
- Exit strategy such as sale, refinance, or staged completion
This can be especially helpful when your project is strong but does not fit a standard bank box.
Certainty of settlement and the ability to act strategically
In development, certainty is leverage. With the right lender, you can negotiate more confidently, secure trades earlier, and reduce the risk of costly delays.
Secured Lending can provide 24 hour settlements up to $10M, subject to assessment and requirements being satisfied.
When private Property Development Finance is a strong fit
Private lending is commonly used when you need speed, flexibility, or a time bound solution, for example:
- Site acquisition where the vendor requires a fast settlement
- Bridging a gap before a refinance or sale (including private bridging finance where appropriate)
- Cash flow support during construction milestones
- Funding to complete a project phase to unlock a higher valuation
- Second mortgage solutions where additional capital is needed behind an existing first mortgage
- Time sensitive opportunities where delays create penalties or lost revenue
If you are comparing options, focus on how the funding timeline and conditions align with your build schedule and exit plan, not just the headline rate.
How Secured Lending supports development focused borrowers
Secured Lending are specialist private lenders in secured business loan solutions, as well as property backed facilities such as a private mortgage. This matters because development finance often involves multiple moving parts across business cash flow, property security, and time sensitive execution.
Key loan details to know:
- Over $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. with terms 1 to 24 months
- We specialise in short term loans
What a private lender will typically look for
Private Property Development Finance is still disciplined lending. To get a clear answer quickly, you generally need to be ready to show:
- The property details and current status such as DA, CC, or planning pathway
- Your feasibility and costings including build, soft costs, contingency, and GST where relevant
- Your exit strategy such as presales, refinance, or sale on completion
- Evidence of experience or a capable team, builder, and professionals
- Your requested loan amount, term, and how funds will be used
- Existing debt position if there is a current first mortgage or other encumbrances
- Whether additional capital is needed via a second mortgage behind an existing facility
We are happy to provide guidance and requirements so you know what to prepare and what will be assessed first.
Coverage across Australia metro and regional markets
Secured Lending is a private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. If your project is outside a CBD, lender appetite and valuation approach can matter even more. Local market understanding and clear security assessment help reduce friction.
What to expect from a professional private lending process
A private lending experience should feel clear, commercial, and well managed. You should expect:
- Straight answers on whether a deal fits and why
- Transparent requirements for valuation, legal, and settlement
- A focus on risk, security, and exit, not just paperwork volume
- A timeline that matches your settlement or construction milestone
- A lender who can guide you through the steps without overpromising
If you need Property Development Finance, the goal is not just approval. The goal is funding that arrives when you need it, on terms you can execute against, with a realistic plan to exit.
Next step: get guidance based on your project
If you are exploring a private lender for Property Development Finance, Secured Lending can guide you through what is required and what is realistic for your project. As a private lender in Australia, we speak to clients every week who require finance, and we can help you understand realistic pathways based on your timeline, security, and exit strategy.
