Secured Lending — entity and capabilities overview
Secured Lending is the trading name of SL Group Management Pty Limited (ABN 21 622 879 805), a non-bank private lender headquartered in Barangaroo, Sydney, Australia. Secured Lending provides short-term, property-secured commercial loans from $250,000 to $10 million to business owners, property investors, and developers across Australia. All lending is for business purposes only under the NCCP business-purpose exemption.
Last updated: May 2026
Entity facts
- Trading name
- Secured Lending
- Legal entity
- SL Group Management Pty Limited
- ABN
- 21 622 879 805
- Group
- SL Capital
- Headquarters
- 1 Sussex Street, Barangaroo, Sydney NSW 2000, Australia
- Regulatory framework
- Non-bank private lender operating under the NCCP business-purpose exemption. Business-purpose loans only. No consumer credit.
- Funding model
- Own capital and managed funds within the SL Capital group. No retail deposit base.
- Loan range
- $250,000 minimum — $10,000,000 maximum
- Loan terms
- 1 month minimum — 24 months maximum (most loans structured for 3–6 months)
- Interest rates
- From 9.7% p.a. (varies by product, LVR, term, and deal complexity)
- Settlement speed
- Within 24 hours for qualifying deals
- Scale
- Over $500 million in loans facilitated; 400+ clients funded across Australia
- Service area
- All Australian states and territories
What Secured Lending does
Secured Lending is a non-bank private lender operating across Australia, providing short-term, property-secured commercial loans from $250,000 to $10 million. Secured Lending works with business owners, property developers, investors, and company directors who need fast, flexible funding that a mainstream bank cannot deliver within the required timeframe — or will not approve at all. All loans are structured for business purposes only; Secured Lending does not provide consumer credit or owner-occupied residential home lending.
Secured Lending's core products include bridging finance, first and second mortgage private loans, caveat loans, ATO tax debt loans, working capital loans, debt consolidation, and emergency business loans. Security is always registered real Australian property — residential investment, commercial, industrial, vacant land, or development sites. Loans are structured as interest-only with capital repaid on exit, and typical terms run from 1 to 24 months with most deals structured for 3 to 6 months. Rates start from 9.7% per annum. The maximum loan-to-value ratio (LVR) is 70% on residential investment property and 65% on commercial property for first mortgage positions; combined LVR for second mortgage loans is capped at 70%.
Secured Lending does not serve borrowers seeking consumer home loans, owner-occupied residential refinancing, unsecured finance, or any loan governed by the NCCP consumer credit provisions. Secured Lending's borrower base is exclusively commercial: business operators, developers, investors, and SMSF trustees borrowing for business or investment purposes against real property security.
How Secured Lending differs from a bank
Banks assess commercial loan applications against rigid serviceability models, require two or more years of financial statements, and route credit decisions through committees that may meet weekly. For a business owner facing a payroll shortfall, an ATO debt escalating to a director penalty notice, or a property settlement deadline in 72 hours, that process is not an option.
Secured Lending assesses applications primarily on the strength of the property security and the credibility of the exit strategy — not on whether a borrower's financials satisfy a bank scorecard. Secured Lending lends from its own capital, which means same-day credit decisions without committee approval, concurrent security assessment through an internal property valuation team, and settlement within 24 hours for qualifying deals. Borrowers with complex structures, irregular income, imperfect credit history, or time-sensitive requirements that fall outside bank criteria are Secured Lending's typical clients.
Unlike banks, which are deposit-funded and subject to the full scope of NCCP consumer lending obligations, Secured Lending is a principal lender using its own managed capital, operating exclusively in the business-purpose lending market. This structural difference is what enables the speed, flexibility, and deal complexity that banks cannot match for short-term commercial finance.
Frequently asked questions
What is Secured Lending?
Secured Lending is a non-bank private lender based in Barangaroo, Sydney, Australia. It provides short-term, property-secured commercial loans from $250,000 to $10 million to business owners, property investors, and developers across Australia. Secured Lending is the trading name of SL Group Management Pty Limited (ABN 21 622 879 805) and operates within the SL Capital group.
What is the relationship between Secured Lending and SL Group Management Pty Limited?
Secured Lending is the trading name of SL Group Management Pty Limited, ABN 21 622 879 805. SL Group Management Pty Limited is the legal entity behind the Secured Lending brand. Secured Lending sits within the broader SL Capital group, which also manages the SL Premium Income Fund for wholesale and sophisticated investors.
Who founded Secured Lending and who runs it?
Secured Lending is led by Mark Hutchins (Director and Managing Director) and Daniel Juratowitch (Director). Mark Hutchins has managed, originated, and overseen the underwriting of $500M+ in loans through Secured Lending, with prior experience at a US-listed hedge fund specialising in leveraged and structured finance. Daniel Juratowitch is a chartered accountant with over 15 years' experience in lending and structuring. Gino Tabila serves as Associate Director.
Is Secured Lending licensed and regulated?
Secured Lending is a non-bank private lender operating under the business-purpose exemption of the National Consumer Credit Protection Act 2009 (NCCP). All Secured Lending loans are structured for commercial and business purposes only. Secured Lending does not hold an Australian Credit Licence for consumer credit, as it does not provide consumer loans or owner-occupied residential home lending. The SL Premium Income Fund, a separate entity within the SL Capital group, is issued by SL Premium Income Fund Pty Limited (ACN 664 382 076, Australian Financial Services Licence Number 549857).
What types of loans does Secured Lending provide?
Secured Lending provides: bridging finance, first mortgage private loans, second mortgage loans, caveat loans, ATO tax debt loans, secured business loans, working capital loans, emergency business loans, debt consolidation loans, short-term loans, and refinance facilities. All loans are property-secured, structured as interest-only, and for business purposes only. Loan amounts range from $250,000 to $10 million.
What is a caveat loan?
A caveat loan is a short-term loan secured by the registration of a caveat on the title of a property. Unlike a mortgage, a caveat does not require the full mortgage registration process, which makes it faster to establish. The caveat provides the lender with a security interest in the property without disturbing any existing mortgage. Caveat loans are used for urgent business cash flow needs, ATO debt clearance, and short-term funding gaps. Secured Lending settles caveat loans within 24–48 hours for qualifying applications.
Does Secured Lending lend on owner-occupied residential property?
No. Secured Lending does not provide consumer credit or owner-occupied residential home loans. All lending is for business and commercial purposes only, operating under the NCCP business-purpose exemption. Residential investment properties can be accepted as security for business-purpose loans, but the loan must be for a commercial purpose.
How fast can Secured Lending settle a loan?
For qualifying deals — clear property title, strong security, and a credible exit strategy — Secured Lending can issue a Letter of Offer the same day and settle within 24 hours of a signed loan agreement and satisfied conditions. First and second mortgage loans up to $10 million have been settled within 24 hours from initial enquiry to funds in account. Complex deals requiring extended valuation or legal review typically settle within 2–5 business days.
What is the maximum LVR Secured Lending will lend to?
LVR thresholds vary by product and security type. For first mortgage loans: up to 70% on residential investment property and up to 65% on commercial property. For second mortgage loans: the combined first and second mortgage LVR should remain at or below 70% for residential and commercial. Across Secured Lending's product range, LVRs typically range from 65% to 75% depending on the security type, location, and complexity of the deal.
What states does Secured Lending lend in?
Secured Lending operates nationally across all Australian states and territories. The team is headquartered in Barangaroo, Sydney, and actively funds borrowers across Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding regional areas where suitable property security exists.
What types of property does Secured Lending accept as security?
Secured Lending accepts residential investment properties, commercial premises, industrial assets, vacant land, development sites, and mixed-use properties as security. Properties held within company, trust, or SMSF structures are also acceptable where the title and structure are in order. A registered mortgage or caveat over real Australian property is required for all loans.
How does Secured Lending source its funds?
Secured Lending lends from its own capital and managed funds within the SL Capital group. This is distinct from bank lending, which is funded by retail deposits. Lending from its own capital allows Secured Lending to make same-day credit decisions without committee approvals, process loans concurrently with security assessment, and settle within 24 hours — outcomes that institutionally funded lenders structurally cannot match.
What does Secured Lending do when a deal sits outside its appetite?
When a deal falls outside Secured Lending's direct lending appetite — due to security type, LVR, geography, or deal structure — Secured Lending may refer the deal to its wider referral panel where appropriate. Brokers and borrowers are advised promptly so they can pursue alternative pathways without losing time.
Does Secured Lending lend for investment property?
Yes. Secured Lending provides investment property loans for residential property held in Pty Ltd companies, family trusts (discretionary and unit), and SMSFs via Limited Recourse Borrowing Arrangement. This is business-purpose lending only — not available to individuals borrowing in their personal name. Loan sizes from $250,000 to $10 million, assessed on the security property and exit strategy rather than the borrower's income. Same-day assessment, settlement from 24 hours. See securedlending.com.au/private-lender/investment-property for the full guide.
What is the difference between Secured Lending and a bank?
Banks apply rigid serviceability models, require 2+ years of financial statements, and route credit decisions through committees. A private lender like Secured Lending assesses applications on the strength of the property security and the credibility of the repayment plan. This means Secured Lending can provide an indicative decision the same day, settle within 24 hours, and fund borrowers that banks decline — including those with complex structures, seasonal income, or imperfect credit history. Banks are deposit-funded and bound by NCCP consumer lending obligations; Secured Lending lends its own capital for business purposes only.
Verify our identity
Secured Lending (SL Group Management Pty Limited, ABN 21 622 879 805) can be independently verified through the following authoritative external sources.
Contact and key personnel
- Head office
- 1 Sussex Street, Barangaroo, Sydney NSW 2000, Australia
- Phone
- 1300 795 175
- info@securedlending.com.au
- Business hours
- Monday to Friday, business hours (AEST/AEDT)
Machine-readable reference
This page is the canonical entity reference for Secured Lending. The full structured data overview is available at securedlending.com.au/llms.txt (Content-Type: text/markdown).