Private Lending Solutions for Retail
Finance that moves at the speed of a stock order
Experts in strategic, short-term secured finance
Secured Lending is a private, non-bank lender. We fund retailers from $250,000 to $10,000,000, secured by a first or second mortgage over property. Most retailers lease their shopfront, so the security is almost never the store. It is the director's home or an investment property, and that is the standard, entirely fundable structure in private lending. Retail runs on one hard timing problem: stock has to be bought and paid for months before it sells, and the biggest stock order of the year lands right before the biggest trading period of the year. A bank serviceability model reads that gap as risk. We read it as timing, and because we lend our own funds and hold our own credit authority, a complete enquiry gets a decision in hours.
Who We Help
- Retailers on a leased shopfront whose director owns a home or an investment property, which is the usual security structure here and not a weakness in the deal
- Independent stores and multi-site operators funding a stock order well ahead of the season that sells it
- Seasonal and Christmas-weighted businesses carrying a full year of cost against a few concentrated trading weeks
- Owners fitting out a new store, refreshing a tired one, or taking on a second location
- Franchisees buying into a network, renewing a term, or acquiring a second territory
- Retailers whose margins have been squeezed by suppliers and landlords while the rent and the wages stayed exactly where they were
- Businesses carrying an ATO debt that is compounding while stock sits on the floor
- Directors with real equity in property who have been declined on servicing despite a viable store
How We Can Help You
- We lend against the director's home or investment property, so a leased shopfront does not stop the deal
- We assess the security and the exit, so a lumpy trading line or a thin margin is not what kills the application
- We hold our own funds, so a decision takes hours and settlement can happen within 24 hours
- We take a first or second mortgage, so an existing home loan does not have to be broken to release capital
- Terms run from 1 to 24 months, and most retailers are with us for 3 to 6 while the stock sells through
- Rates start from 9.7% p.a., interest only for the term
Retail Finance Scenarios We Fund
Retail lending is not one product. Funding a container of stock is a different structure to buying a second site or clearing an ATO position. Below are the scenarios we are asked for most often.
Stock and inventory
A supplier wants a deposit now and the balance on shipping. The container lands, the floor fills, and the money comes back over the following months as the stock sells through.
The order goes in on the supplier's timeline, so the shelves are full when the customers arrive rather than a season late. The facility is sized to carry the stock from purchase order to till, which makes it short by design, and the repayment already sits inside the trading cycle the stock was bought for.
- Funds deposits, balance payments, freight and duty
- The order is placed when the supplier needs it, not when the cash catches up
- No security taken over your stock or your debtor book
- Sized to carry the stock from purchase order to till
- Suits a container order, a bulk buy, or a line you cannot be out of
- Exit is the sell-through, or a refinance to a trade facility
A supplier wants a deposit now and the balance on shipping. The container lands, the floor fills, and the money comes back over the following months as the stock sells through.
The order goes in on the supplier's timeline, so the shelves are full when the customers arrive rather than a season late. The facility is sized to carry the stock from purchase order to till, which makes it short by design, and the repayment already sits inside the trading cycle the stock was bought for.
- Funds deposits, balance payments, freight and duty
- The order is placed when the supplier needs it, not when the cash catches up
- No security taken over your stock or your debtor book
- Sized to carry the stock from purchase order to till
- Suits a container order, a bulk buy, or a line you cannot be out of
- Exit is the sell-through, or a refinance to a trade facility
Our Loan Products
- First mortgage: the cleanest position, used where the director's property is unencumbered or an existing loan is being refinanced in full
- Second mortgage: sits behind an existing first, so a home loan and its fixed rate stay untouched while equity is released for stock or a fit-out
- Bridging loans: covers the gap between a cost that is due now, such as a stock order or a lease deposit, and the income or settlement that repays it
- Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent windows such as a supplier deadline or a franchise settlement
Related Reading
- →Private lender for retail business finance
- →Private lender for inventory and stock finance
- →Bridging finance for retail store expansion
- →Caveat loan for urgent inventory funding
"Almost every retailer who calls us assumes a leased shopfront rules them out. It does not, and it never has. What matters is that the stock gets bought at the price it was offered at, and that the shelves are full when the customers arrive, not in January once the season has gone."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
