Private Lender for Manufacturing Businesses
Capital released against the industrial property, at the speed the order book moves
Experts in strategic, short-term secured finance
Secured Lending is a private, non-bank lender. We fund manufacturers against the property they already own, usually the factory or the industrial premises they operate from, and we do it in days rather than months. A manufacturer buys raw materials and pays wages months before the finished goods are invoiced and paid, so the balance sheet looks its worst at exactly the moment the order book looks its best, and a bank serviceability model reads that as risk. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage over industrial, commercial or residential property. This is business purpose lending, we lend our own funds, and a complete enquiry gets a decision in hours.
Who We Help
- Food and beverage producers carrying ingredient, packaging and labour costs well ahead of the invoice
- Metal fabrication and engineering workshops funding materials on a fixed-price contract
- Plastics, injection moulding and packaging manufacturers holding resin and stock against forward orders
- Manufacturers releasing equity from the factory to fund a plant upgrade or a production line
- Operators who have won a large or seasonal order and need the raw materials in the door now
- Businesses carrying an ATO debt while the receivables ledger is healthy but slow
- Asset-rich manufacturers declined by a bank on servicing despite holding real equity in the premises
- Companies, trusts and directors borrowing against an industrial, commercial or residential property
How We Can Help You
- We assess the property and the exit, so a working capital cycle that runs months long is read as normal for the sector
- Our own valuers assess industrial and commercial security directly, including factories and warehouses 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
- We take a first or second mortgage, so an existing facility does not need to be broken to release capital from the factory
- Terms run from 1 to 24 months, and most borrowers are with us for 3 to 6 while the exit completes
- Rates start from 9.7% p.a., interest only for the term
Manufacturing Finance Scenarios We Fund
Manufacturing lending is not one product. A food producer funding a seasonal run needs a different structure to a fabricator clearing an ATO position. Below are the scenarios we are asked for most often.
Food and beverage production
Ingredients, packaging, cold storage and labour are all paid for well before the pallets leave the dock, and the supermarket or distributor terms then stretch the wait out further. A new listing or a promotional run makes the gap wider, not narrower.
You take the listing instead of passing on it. The run is funded, the pallets ship on the date the buyer was given, and the facility clears when the invoices are paid. The assessment turns on the equity in the premises, so a single heavy production month does not decide the answer.
- You take the listing or the promotional run instead of passing on it
- Ingredients, packaging, cold storage and wages are covered through the gap
- The pallets ship on the date the buyer was given
- A second mortgage sits behind an existing home loan or facility
- Assessed on equity, not on one heavy trading month
- Exit is the receivables, a contract payment, or a refinance
Ingredients, packaging, cold storage and labour are all paid for well before the pallets leave the dock, and the supermarket or distributor terms then stretch the wait out further. A new listing or a promotional run makes the gap wider, not narrower.
You take the listing instead of passing on it. The run is funded, the pallets ship on the date the buyer was given, and the facility clears when the invoices are paid. The assessment turns on the equity in the premises, so a single heavy production month does not decide the answer.
- You take the listing or the promotional run instead of passing on it
- Ingredients, packaging, cold storage and wages are covered through the gap
- The pallets ship on the date the buyer was given
- A second mortgage sits behind an existing home loan or facility
- Assessed on equity, not on one heavy trading month
- Exit is the receivables, a contract payment, or a refinance
Our Loan Products
- First mortgage: the cleanest position, used where the factory is unencumbered or an existing facility is being refinanced in full
- Second mortgage: sits behind an existing first, so a bank facility over the premises does not have to be broken to release equity for materials, plant or tax
- Bridging loans: covers the gap between a purchase and a sale, or between the cost of a production run and the invoice 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 manufacturing business finance
- →Secured loan for manufacturing businesses
- →Bridging finance for manufacturing equipment
- →Private lender for an industrial property purchase
Bad Credit Lending for Manufacturers
A manufacturer's balance sheet looks worst exactly when the credit file does, and the two feed each other into a bank decline. We lend against the commercial or industrial property the business owns, never against the plant inside it, and we assess the equity inside 70% LVR rather than the trading history. Defaults, arrears and ATO debt are all workable.
"A manufacturer's balance sheet looks its worst at exactly the moment the order book looks its best, because the materials and the wages go out months before the invoice comes in. We fund that gap. It means the big order gets accepted instead of turned down, and the line keeps running while it is being filled."
Gino Tabila
Associate Director
Frequently Asked Questions
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Case Studies
$2.155M Second Mortgage Working Capital Facility Across Brighton and Cremorne
$280K Second Mortgage for Short-Term Cash Flow in Kooyong
$545K Bridging Loan Across Three Suburbs in Melbourne's North-West
$400K Second Mortgage Repaid in Full After a Flexible Two-Month Extension
$1.8M First Mortgage Releases $980K of Working Capital for a Solar Business
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
