Private Lending Solutions for Transport and Warehousing
Capital that moves at the speed the freight does
Experts in strategic, short-term secured finance
Secured Lending is a private, non-bank lender. We fund trucking, freight, courier and warehousing operators against property, either the depot or warehouse where it is owned, or the director's home or investment property where the yard is leased. The through-line in this sector is simple: the work is done and invoiced long before the customer pays, while fuel, wages and rego fall due on time every week, and a bank serviceability model reads that gap as risk rather than as the ordinary shape of a freight business. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage, and because we lend our own funds a complete enquiry gets a decision in hours. We lend against property, not against trucks or equipment.
Who We Help
- Trucking and freight operators carrying fuel, wages and tolls against invoices sitting on 45 or 60 day terms
- Owner-operators with equity in the family home and a contract they need capital to take on
- Fleet operators funding an expansion, a replacement cycle, or a bigger contract than the current cash position supports
- Warehousing, depot and distribution businesses buying, expanding or fitting out a site
- Last-mile, courier and parcel operators scaling through a volume surge
- Transport businesses carrying an ATO debt that is compounding while the receivables ledger fills up
- Logistics operators whose bank facility has been reviewed, cut or not renewed
- Asset-rich operators declined on servicing despite holding real equity in property
How We Can Help You
- We assess the property and the exit, so a receivables ledger stretched across long payment terms is not the thing that kills the deal
- We lend against the depot, the warehouse or the director's property, and release that capital for whatever the business needs, including a truck purchase
- 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 equity
- 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
Transport and Warehousing Finance Scenarios We Fund
Transport lending is not one product. An owner-operator taking on a new contract needs a different structure to a distribution business buying a second warehouse. Below are the scenarios we are asked for most often.
Trucking and freight operators
Fuel goes in the tank today, the driver is paid this week, and the invoice for the run is paid in seven weeks. Scale the freight task up and that gap widens with it, which is why growth in this sector so often feels like a cash squeeze.
The fleet keeps rolling and the drivers keep being paid while the run you have already done is still sitting unpaid in the ledger. The facility is short by design and clears from the receivables as they land, so a bigger freight task does not have to wait for the ledger to catch up with it.
- The fleet keeps rolling while the completed runs are still unpaid
- Fuel, wages and rego are met on the week they fall due
- A larger freight task can be taken on before the ledger catches up
- No P and L or tax return required for an asset-based assessment
- No security taken over your debtor book
- Exit is the receivables ledger or a refinance
Fuel goes in the tank today, the driver is paid this week, and the invoice for the run is paid in seven weeks. Scale the freight task up and that gap widens with it, which is why growth in this sector so often feels like a cash squeeze.
The fleet keeps rolling and the drivers keep being paid while the run you have already done is still sitting unpaid in the ledger. The facility is short by design and clears from the receivables as they land, so a bigger freight task does not have to wait for the ledger to catch up with it.
- The fleet keeps rolling while the completed runs are still unpaid
- Fuel, wages and rego are met on the week they fall due
- A larger freight task can be taken on before the ledger catches up
- No P and L or tax return required for an asset-based assessment
- No security taken over your debtor book
- Exit is the receivables ledger or a refinance
Our Loan Products
- First mortgage: the cleanest position, used where a depot, warehouse or director's property is unencumbered or an existing facility is being refinanced in full
- Second mortgage: sits behind an existing first, so a bank facility or a fixed rate on the home does not have to be broken to release equity for the business
- Bridging loans: covers the gap between a site purchase and a sale, or between a cost incurred this week and the invoice that pays for it in seven
- 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 transport and logistics finance
- →Private lender for truck and heavy vehicle finance
- →Private lender for warehouse and distribution finance
- →Private lender for commercial vehicle fleet finance
"A freight business can be busy, profitable, and short of cash in the same week, because the money is in the ledger rather than in the account. A bank reads that as risk. We read it as timing. It is the difference between taking the new contract and handing it to someone else, and between the drivers being paid on Friday or not."
Gino Tabila
Associate Director
Frequently Asked Questions
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No credit check. No obligation.
Why Secured Lending?
