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

Private Lending Solutions for Property Development

Capital that arrives on the settlement date, not six weeks after it

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Experts in strategic, short-term secured finance

Property Development

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 property developers against the site itself, against completed and residual stock, and against land banks. A development lives or dies on the settlement date, and the capital has to be there before the certifier, the buyer or the bank is ready. Banks retreated hard from development exposure after the APRA tightening, and the gap they left is exactly where we work. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage, business purpose only. We lend our own funds, which is why a complete enquiry gets a decision in hours.

Who We Help

  • Developers acquiring a site with a fixed exchange or settlement date and no time for a full credit process
  • Developers facing a shortfall on settlement day after a senior facility came in lower than expected
  • Developers holding a part-complete project after a builder collapsed or a funder walked away
  • Developers carrying completed, unsold residual stock past the expiry of the project facility
  • Land bankers holding raw or DA-pending land that produces no income while it is held
  • Developers releasing equity from a finished project to secure the next site before it goes to market
  • Development entities carrying an ATO debt that is compounding while the project runs its cycle
  • Developers with real equity in the asset who have been declined by a bank on servicing

How We Can Help You

  • We assess the asset and the exit, so the deal turns on the site and what retires the debt rather than a serviceability line
  • Our valuation team is in-house, so partially completed developments and land banks are priced directly instead of waiting days on an external valuer
  • 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 a senior facility does not have to be broken to release capital
  • Terms run from 1 to 24 months, and most developers are with us for 3 to 6 while the exit completes
  • Rates start from 9.7% p.a., interest only for the term, up to 70% LVR

Property Development Finance Scenarios We Fund

Development lending is not one product. Securing a site under a 30 day settlement is a different structure to clearing residual stock off an expiring facility. Below are the scenarios we are asked for most often.

Site acquisition

A site worth buying is a site other people want. The exchange date is fixed, the settlement date is fixed, and the vendor is not waiting on a credit committee.

You exchange on the vendor's date and the site does not go to the underbidder. The facility funds the acquisition now and is retired when the senior debt, a capital raise or a resale lands, so the deal is closed on the terms it was offered on rather than the terms it becomes.

  • The site is held rather than lost while a file is still being built
  • Funds the acquisition, including the deposit falling due on exchange
  • A short exchange deadline can still be met
  • Sites with a development approval, or without one yet
  • Other property in the group accepted where more cover is needed
  • Exit is senior debt, an equity raise, or a resale

A site worth buying is a site other people want. The exchange date is fixed, the settlement date is fixed, and the vendor is not waiting on a credit committee.

You exchange on the vendor's date and the site does not go to the underbidder. The facility funds the acquisition now and is retired when the senior debt, a capital raise or a resale lands, so the deal is closed on the terms it was offered on rather than the terms it becomes.

  • The site is held rather than lost while a file is still being built
  • Funds the acquisition, including the deposit falling due on exchange
  • A short exchange deadline can still be met
  • Sites with a development approval, or without one yet
  • Other property in the group accepted where more cover is needed
  • Exit is senior debt, an equity raise, or a resale

Our Loan Products

  • First mortgage: the cleanest position, used where the site is unencumbered or an existing development facility is being refinanced in full
  • Second mortgage: sits behind an existing first, so a senior facility does not have to be broken to release equity from a site or from completed stock
  • Bridging loans: covers the gap between a purchase and a sale, or between a settlement date and the funding that was meant to meet it
  • Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent and short repayment windows

Related Reading

"Most lenders send a part-complete development or a land bank out to an external valuer and lose a week waiting for it to come back. Our valuation team sits inside the business, so we price a half-built site ourselves and come back the same day. On a development, a week is often the difference between settling and losing the deal."

Gino Tabila

Gino Tabila

Associate Director

Frequently Asked Questions

Our lending is asset-based rather than a staged construction facility. We fund site acquisitions, settlement shortfalls, bridging, development finance against the asset, residual stock, land banks and equity release from a completed project. Where a project has stalled, we lend against the asset in its current state so it can be taken to a saleable position, secured by a first or second mortgage.

Yes. Our property valuation team is in-house and has extensive development experience, so partially completed sites, land banks and non-standard assets are assessed directly. Most non-bank lenders rely on external valuers, which adds days to the process. This is the main reason we can move on a stalled project while other lenders are still booking a valuation.

We lend from $250,000 to $10,000,000, up to 70% LVR against the security. Terms run from 1 to 24 months, with most developers using the facility for 3 to 6 months while the exit completes. Rates start from 9.7% p.a., interest only for the term.

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. A Letter of Offer is issued immediately once terms are agreed.

It needs to be specific and achievable inside the loan term. In development the strongest exits are the settlement of presold or completed stock, a senior debt takeout, a resale of the site, a capital raise, or a refinance to a longer-term lender where the pathway is demonstrable. A general intention to refinance at some point is not an exit strategy.

Usually yes. A second mortgage sits behind the existing first, so the senior facility stays in place and does not need to be refinanced to release capital. We review the first mortgage terms before proceeding to confirm no consent or notification obligation is triggered.

Yes. Raw land, englobo parcels and DA-pending sites are all security types we assess. Because the valuation is done in-house, land that a desktop model cannot price properly is not automatically a decline. The assessment turns on the value of the land and the credibility of the exit.

Yes. We lend to Pty Ltd companies, special purpose vehicles, discretionary and unit trusts, and SMSFs. This is business purpose lending only, so it falls outside the NCCP consumer credit regime. We do not lend to individuals borrowing in their personal name for personal, domestic or household purposes.

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$500M+ funded

Get an indicative offer within hours, not weeks.

No credit check. No obligation.

Why Secured Lending?

✓Australian private lender — $500M+ funded
✓We use our own funds for fast decisions
✓24-hour settlements up to $10M
✓Rates from 9.7% p.a. | Terms 1–24 months
Success Stories

Case Studies

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$3M Working Capital for IT Business Expansion Settled in 2 Business Days
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$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
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$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
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$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
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$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
Short-term finance
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
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$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
ATO Tax Debt Loan Success
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
ATO Tax Debt Loan Success
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
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