Private Lender for Waste Management and Recycling

Funding for sites, contracts and tax debts, secured by property

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Experts in strategic, short-term secured finance

Aerial view of Sydney Harbour and the CBD
24hrsFast funding solutions
$250K-$10MLoan range
9.7% p.aInterest rates starting from
1-24 monthsShort term funding

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Rated 5 out of 5Jason V

Hands down, the best private lenders in the biz

Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth

Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios

I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none

The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space

Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements

The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

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Speed, reliability, transparency

Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business

Quick and painless to deal with, keep up the great work SL team!

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Always willing to think outside the box to get deals done

We've had a great experience working with Secured Lending.

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Quick, responsive and reasonable

With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer

With clients that are in time sensitive situations, this is crucial.

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Always professional and supportive

It's a pleasure dealing with the Secured team.

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A professional and common sense lender who delivers

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Great options in the private space

Have been dealing with Finn from Secured Lending, he has been very responsive.

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A very reliable funding partner

Highly recommended.

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Very efficient, responsive

Finn was a great help to assist in a very timely manner.

Secured Lending is a private lender, and we work with waste collection companies, transfer stations, recycling sites, skip bin operators and liquid waste businesses. Contracts can pay late while wages, fuel and disposal costs are due every week, and many banks are cautious about a site with a contamination history. We lend from $250,000, secured by your site property, valued as it stands, or a director's home or investment property. If your company needs to fund a site, a contract or a tax debt, we would be glad to help.

Who We Help

  • Waste collection companies waiting on council and commercial contract payments
  • Transfer station operators buying, expanding or refinancing the site property
  • Recycling and resource recovery companies buying a former industrial site
  • Skip bin and bin hire operators buying a depot property or adding to the bin fleet
  • Liquid waste and grease trap companies funding new trucks and a larger depot
  • Companies starting a new council or commercial collection contract
  • Waste companies carrying an Australian Taxation Office debt built up while contract payments were late
  • Companies whose directors hold equity in a home or investment property after a bank declined the application

How We Can Help You

  • Wages, fuel and disposal costs are paid on time while council and commercial payments are outstanding
  • A transfer station, depot or recycling site property is bought on the vendor's settlement date
  • Our own valuers assess the site property, including former industrial land valued in its current condition
  • We lend our own funds and hold our own credit authority, so a decision takes hours and settlement can happen within 24 hours
  • A first or second mortgage, so an existing loan over the property can stay in place
  • Terms run from 1 to 24 months, typically 3 to 6, with rates from 9.7% p.a. on a first mortgage and from 11.95% p.a. on a second mortgage

Waste and Recycling Finance Scenarios We Fund

A collection company waiting on a council payment needs a different loan to a recycler buying a former factory site. Below are the scenarios waste management and recycling companies ask us about most often.

Late council and commercial contract payments

A collection contract with a council or a large commercial client pays on the client's cycle, and a payment can be held up by an invoice query or an approval inside the client's accounts team. The trucks still run every day, and the wages, fuel and tip fees are paid every week.

We release capital against property the company or its directors own, and the company uses those funds to cover its running costs until the outstanding payments arrive. The loan is repaid once the payments are made, or from a refinance.

  • Covers wages, fuel and tip fees while payments are outstanding
  • Suits a payment held up by an invoice query or an approval
  • Set for the period until the payments arrive
  • A second mortgage can sit behind an existing loan
  • Decision in hours
  • Exit is the outstanding payments or a refinance

Starting a new collection contract

Winning a new council or commercial contract means trucks, bins and drivers are needed from the first collection day, and the first payment for the work arrives weeks later. A start date set in a tender is rarely moved to suit a lender.

We release capital against property the company or its directors own, and the company buys the trucks and bins and hires the drivers with those funds. The loan is repaid from contract income or a refinance once the contract has a payment history.

  • Funds trucks, bins, drivers and start-up costs
  • Paid to the company before the first collection day
  • The contract starts on the date in the tender
  • Terms from 1 to 24 months, typically 3 to 6
  • Settlement within 24 hours on a clean file
  • Exit is contract income or a refinance

Buying a transfer station, depot or recycling site property

Industrial land that can be used for a transfer station, a recycling operation or a bin depot does not come up for sale often, and the vendor usually sets a short settlement. Waiting weeks for a finance approval can mean the site goes to another buyer.

We lend against the industrial property being bought, and where it does not support the full amount, against a second property the company or a director owns as additional security. The purchase settles on the vendor's date, and the loan is repaid from a refinance or a sale of property.

  • Funds the purchase of an industrial site property
  • A second property can be added as additional security
  • Our own valuers assess the site
  • Up to a 70% loan-to-value ratio across all mortgages
  • Settlement within 24 hours of a signed letter of offer
  • Exit is a refinance or a sale of property

Contaminated or former industrial land

Many sites suited to waste and recycling were factories, service stations or industrial yards, and a site investigation can find contamination that has to be investigated and cleaned up. Many banks withdraw once an investigation finds a problem.

We lend against the site property valued in its current condition, up to 70% of that value, or of the lower of that value and the price on a purchase. The loan can fund the purchase, consultant and audit fees and holding costs, but not the remediation works themselves. We do not give environmental advice, so your consultant and auditor should be engaged early.

  • Valued in its current condition, with the site reports in hand
  • We can lend before a site audit is complete
  • Funds the purchase, consultant and audit fees, not the remediation works
  • Other property can be added where the site alone does not support the loan
  • Terms up to 24 months, set against the consultant's program
  • Exit is a refinance after validation or a sale of property

Balers, shredders, sorting lines and new trucks

A recycling site may need a baler, a shredder or a sorting line to take on a new material stream, and a collection company may need to replace trucks that have reached the end of their working life. The equipment has to be paid for before it earns any income.

We release capital against the site property the company owns, or a director's property, and the company buys the equipment with those funds. The loan is repaid from trading income or a refinance.

  • Funds balers, shredders, sorting lines and trucks
  • Suits a new material stream or trucks at the end of their working life
  • A second mortgage can sit behind an existing loan
  • Rates from 9.7% p.a. on a first mortgage
  • Decision in hours
  • Exit is trading income or a refinance

Bridging finance for waste and recycling companies

A company moving to a larger depot or transfer station may need to buy the new property before it sells the old one. The two settlement dates rarely line up.

A bridging loan secured by property covers the gap between the two dates. The purchase settles on time, and the loan is repaid from the sale of the other property when it settles.

  • Buy a new site property before the old one sells
  • Covers the gap between two settlement dates
  • The purchase settles on the contract date
  • Terms from 1 to 24 months, typically 3 to 6
  • Settlement within 24 hours on a clean file
  • Exit is the sale of the other property

Refinancing a bank facility

A bank can reduce its lending to a waste company after a site investigation finds contamination, after a large contract ends, or when the facility comes up for review. The property securing the facility has not changed, but the bank has set a date to repay.

We refinance the existing facility against the same property, so the bank's date is met and the company has time to arrange a longer-term lender. The loan is repaid by that refinance or by a sale of property.

  • Repays a bank facility that has been cut back or not renewed
  • Meets the date in the bank's letter
  • Time to arrange a longer-term lender
  • First or second mortgage, depending on what is already registered
  • Up to a 70% loan-to-value ratio across all mortgages
  • Exit is a refinance to a longer-term lender or a sale of property

ATO tax debt

When contract payments are late, a waste company can fall behind on pay as you go withholding, goods and services tax and superannuation while it keeps paying drivers and tip fees. If a payment plan is missed, the ATO can issue a garnishee notice, a director penalty notice or a statutory demand, and an unpaid tax debt can count against a company in a tender that checks tax compliance.

The loan funds are paid to the company, which pays the ATO debt in full. We can still lend after a garnishee notice, a director penalty notice or a statutory demand has arrived, and the loan is repaid through a defined exit such as a refinance or a property sale.

  • The company pays the ATO debt in full
  • One loan can cover income tax, activity statement and superannuation debts
  • We can still lend after a director penalty notice
  • Suits a company whose tax debt counts against it in a tender
  • The general interest charge stops accruing once the debt is paid
  • Exit is a refinance or a sale of property

Our Loan Products

  • First mortgage: from 9.7% p.a., secured over a depot, transfer station or recycling site property the company owns outright, or used to refinance an existing loan in full
  • Second mortgage: from 11.95% p.a., secured behind an existing first mortgage over a company property or a director's home, so the first loan stays in place
  • Bridging loans: cover the gap between buying a new site property and selling the old one
  • Caveat loans: our fastest product, where a caveat is lodged over the property instead of a registered mortgage, for a settlement or a payment date that is days away

Related Reading

"Waste and recycling companies usually come to us for one of two reasons: a council or commercial payment is late and the weekly costs are not, or a bank has pulled back after a site investigation. Where a site carries contamination, we value the property in its current condition with the reports in hand. If your company has a settlement or a payment date coming up, we would be glad to look at it early."

Gino Tabila

Gino Tabila

Associate Director

Recently Asked Questions

Yes. The loan funds are paid to the company so it can keep paying refunds at the counter. The reimbursements can form part of the exit, with a refinance or a property sale behind them. A term of three to six months usually fits a seasonal gap.

Yes. The loan funds are paid to the company for wages and running costs. The sale of the bales can be part of the exit, but prices are not fixed, so we look for a refinance or a property sale behind it.

It can. The loan funds are paid to the company, and the company can use them to give the bank the cash it requires behind the guarantee. The assurance may be held for years, longer than our maximum term of 24 months, so the exit needs to be a refinance or a property sale.

Yes. The loan funds are paid to the company, so the temporary setup can be paid for before the insurer pays. The insurance payment can be the exit once the claim is accepted in writing, with a refinance or a property sale behind it until then.

Yes. The loan funds are paid to the company, which pays the deposit to the truck supplier. The exit is usually a refinance once the contract is running, or the sale of a property.

Yes, where the transfer station property has equity inside the 70% limit. The loan funds are paid to the company, which pays the levy, and we decide in hours, which leaves time inside the six weeks. The exit is usually a refinance or the sale of a property, so tell us which you have in mind.

Yes. We can refinance the loan against the scrap yard property, valued in its current condition, and the bank's decision to leave the sector does not on its own decide our loan. We are a lender, not a bank, so your day-to-day accounts will need to move to another bank. The usual exit is a refinance to a longer-term lender or the sale of a property.

It can. We lend against the whole site property as it stands, and the term can run up to 24 months, which covers a subdivision of about a year. The sale of the new lot is the exit, but approval and sale dates can move, so we also look for a refinance behind it.

Yes. We can lend while the dispute runs, against the depot property or a director's home. The disputed amount cannot be the exit, because neither the amount nor the date of any payment is known. The exit needs to be a refinance, a property sale, or payments due on other work that is not in dispute.

Yes. On a purchase we lend up to 70% of the lower of the price and our valuation, so the new site property alone could support up to $1,680,000, and your current site property can be added as security for the balance. The usual exit is a refinance once the new site is operating.

No. Our security is always real property: a first or second mortgage over a residential, commercial or industrial property held by the company or a director. The loan can still pay for trucks, bins or plant.

Yes. We lend on contaminated and former industrial land, valued in its current condition. The loan is based on what the site is worth today, not on what it will be worth once it has been cleaned up and validated, and it stays within 70% of that value.

We need to learn your scenario further. The work a notice requires affects both the value of the site and the time needed, so we look at the notice and any response your consultant has prepared.

Yes. A director's home or investment property can secure the loan where the company does not own its site. The borrower is still the company, the loan is for a business purpose, and total borrowing across all mortgages must stay within a 70% loan-to-value ratio.

Loans start from $250,000, and larger loans are assessed case by case. The maximum loan-to-value ratio is 70% across all mortgages on the property. Terms run from 1 to 24 months, and most loans run for 3 to 6.

We usually make a decision within hours, and settlement can happen within 24 hours on a clean file. On a contaminated site, the reports that already exist decide how quickly our valuers can assess it.

No. We lend only to companies, including a company acting as trustee. A director's property can be the security, but the borrower is always the company.

Yes. Our urgent loan pages explain what we can fund for contaminated and former industrial sites and for ATO debts.

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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, loans from $250k
✓Rates from 9.7% p.a. | Terms 1–24 months

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