★★★★★Over $500 million in business loans facilitated

$700K Working Capital for a Technology Start-Up Settled in 72 Hours

22 July 2026

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Loan Amount: $700,000
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Enquiry to Settlement: 72 hours
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Location: Maroubra, NSW
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Use of Funds: Working capital to support a new technology business venture and app development
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Loan Product Type: First Mortgage

The Scenario

An entrepreneur launching a new technology business required funding to support the development and rollout of an innovative software application.

Despite presenting a strong personal asset and liability position, with significant equity in residential property, traditional lenders were unable to provide funding. The business was in its infancy and lacked an established trading history, which is exactly the profile a bank serviceability model is built to decline.

The borrower needed a lender that could assess the strength of the overall transaction, the equity in the security and a clear plan to repay, rather than relying solely on historical financial performance.

Secured Lending completed an expedited assessment of the security property in Maroubra and structured a first mortgage facility that gave the borrower immediate access to working capital, allowing the business to commence operations and execute its growth strategy.

The Outcome

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Indicative terms issued within 1 hour of enquiry
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Letter of Offer executed shortly thereafter
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Due diligence completed under an expedited process
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Loan settled within 72 hours
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Borrower received immediate access to working capital
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Exit strategy established via refinance with a traditional lender once the business was established

Why This Scenario Required a Private Lender

An early-stage business is where the gap between a good opportunity and a bank's credit process is widest. The equity was there, the plan was clear, and the borrower could service the facility, but the absence of a trading history was enough for traditional lenders to say no.

A first mortgage from a private lender solves this by assessing the asset offered as security and the strength of the transaction, not a trading record the business has not had time to build. The borrower borrowed against property they owned, funded the launch, and set a clean exit through a bank refinance once the business was trading.

Secured Lending lends its own funds and makes its own credit decisions, which is what makes a 72-hour settlement possible on a deal a bank would still be reviewing. If you are building something new and need fast capital secured against property, contact our team to discuss your scenario.