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

Private Lending Solutions for Manufacturing

Capital released against the factory, at the speed the order book moves

Experts in strategic, short-term secured finance

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1–24 months

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 not the thing that kills the deal
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

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

Frequently Asked Questions

Yes. Factories, warehouses, workshops and industrial units are all security types we assess, alongside commercial and residential property. Our valuation team is in-house, so industrial and non-standard premises are assessed directly rather than run through a desktop model that cannot price them properly.

No. Our security is property. We take a first or second mortgage over the factory, the industrial premises, or another property held by the company, the trust or the director. Where the purpose of the loan is to buy plant, we release the capital against the property and the plant is funded from those proceeds, which is a different thing to lending against the equipment itself.

Yes, provided there is property security available elsewhere. In that situation the security is typically the home or an investment property held by a director, or another property inside the group. This is the standard pattern in private lending and it is not unusual.

We lend from $250,000 to $10,000,000, up to 70% LVR against the property security. Loan terms run from 1 to 24 months, with most borrowers using the facility for 3 to 6 months while the exit completes.

We make a decision in hours rather than days, and settlement within 24 hours is achievable on a clean file with clear title and a defined exit. We lend our own funds and hold our own credit authority, which is the practical reason the timeline looks the way it does.

It needs to be specific and achievable inside the loan term. In manufacturing the strongest exits are the receivables from a completed order, a contract payment, a refinance to a longer-term lender or onto equipment finance, or a property sale. A general intention to refinance at some point is not an exit strategy.

Yes. ATO debt is one of the most common reasons manufacturers come to us. We clear the position in a single payment secured against the property, which stops the penalty interest compounding, and the facility is repaid from trading income or a refinance. We can act where a payment plan has already been broken.

Usually not. A second mortgage sits behind the existing first, so a fixed rate does not need to be broken and the first facility stays in place. We review the first mortgage terms before proceeding to confirm no consent or notification obligation is triggered.