Private Lending Solutions for Hospitality
Finance that reads a trading year the way an operator does
Experts in strategic, short-term secured finance
Secured Lending is a private, non-bank lender. We fund publicans, hoteliers, restaurateurs and licensed venue operators against property, and we do it in days rather than months. Takings in this sector arrive in waves around holidays, events and the summer run, and a year of trade smoothed into one annual figure misreads the business, which is where a bank serviceability model tends to come unstuck. A quiet winter on the books is not a weak venue. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage. This is business purpose lending, we lend our own funds, and a complete enquiry gets a decision in hours.
Who We Help
- Freehold publicans and hotel owners with real equity in the venue itself
- Motel, boutique hotel and accommodation operators funding a refurbishment or a purchase
- Restaurant and cafe operators on a leasehold, borrowing against the director's home or investment property
- Bar and licensed venue owners moving on a site, a licence or an equipment upgrade
- Operators buying a venue, taking on a lease assignment, or funding a fit-out to a deadline
- Groups carrying an ATO debt that has grown through a slower stretch of trade
- Venues still carrying balance sheet damage from the COVID years despite trading well now
- Operators declined by a bank on servicing while holding substantial property equity
How We Can Help You
- We assess the property and the exit, so a seasonal or event-driven revenue line is not the thing that kills the deal
- Freehold venues are lent against directly, and leasehold operators are funded against the director's home or investment property
- Our own valuers assess the security, including going-concern hotels and pubs a desktop model cannot price
- We hold our own funds and our own credit authority, so a decision takes hours and settlement can happen within 24 hours
- A second mortgage releases capital without disturbing an existing first facility or breaking a fixed rate
- Terms run from 1 to 24 months, most borrowers use 3 to 6, and rates start from 9.7% p.a., interest only
Hospitality Finance Scenarios We Fund
Hospitality lending is not one product. A freehold publican refinancing a venue needs a different structure to a cafe operator on a leasehold clearing an ATO position. Below are the scenarios we are asked for most often.
Freehold pubs and hotels
A freehold venue holds real value in the land, the building and the licence, and almost none of it is reachable when the operator actually needs it. The money is wanted now, for a second site, a refurbishment or a tax position, and the equity just sits there through the quiet months doing nothing.
You get that capital out of the venue you already own, and you get it while the opportunity is still on the table. The trading year becomes a timing question rather than a credit question, and the facility clears on the exit you nominate.
- Going-concern pubs and hotels assessed by our own valuers
- The venue keeps trading as normal for the life of the facility
- Capital released for a second venue, a refurbishment, or an ATO position
- A second mortgage sits behind your existing first facility, which stays in place
- The equity in the venue is put to work instead of sitting idle
- Exit is a refinance, a partial sale, or trade through a strong run
A freehold venue holds real value in the land, the building and the licence, and almost none of it is reachable when the operator actually needs it. The money is wanted now, for a second site, a refurbishment or a tax position, and the equity just sits there through the quiet months doing nothing.
You get that capital out of the venue you already own, and you get it while the opportunity is still on the table. The trading year becomes a timing question rather than a credit question, and the facility clears on the exit you nominate.
- Going-concern pubs and hotels assessed by our own valuers
- The venue keeps trading as normal for the life of the facility
- Capital released for a second venue, a refurbishment, or an ATO position
- A second mortgage sits behind your existing first facility, which stays in place
- The equity in the venue is put to work instead of sitting idle
- Exit is a refinance, a partial sale, or trade through a strong run
Our Loan Products
- First mortgage: the cleanest position, used where a freehold venue is unencumbered or an existing facility is being refinanced in full
- Second mortgage: sits behind an existing first, so a bank facility or a home loan does not have to be broken to release equity for the venue
- Bridging loans: covers the gap between buying one venue and selling another, or between a fit-out cost and the trade that repays it
- Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent and short repayment windows
Related Reading
- →Private lender for hotel and motel finance
- →Private lender for a pub or bar purchase
- →Private lender for restaurant finance
- →Bridging finance for hospitality businesses
"Hospitality takings arrive in waves, and a year of trade averaged into a single figure reads a strong venue as a volatile one. We read it as timing. That is what lets an operator trade through the shoulder months, finish the refurbishment before the season rather than during it, and keep the doors open when the quiet quarter lands."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
