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

Private Lending Solutions for Wholesale and Distribution

Capital that moves at the speed of your stock, not your bank review

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 importers, wholesalers and distributors against property, and we do it in days rather than months. If you own the warehouse, that is strong security. If you lease it, which most wholesalers and importers do, security comes from the director's home or investment property, and that is the standard pattern in this space rather than a fallback. Loans run from $250,000 to $10,000,000, secured by a first or second mortgage, from 9.7% p.a. interest only. We lend our own funds and hold our own credit authority, so a complete enquiry gets a decision in hours instead of sitting in a bank credit queue while the stock position gets worse.

Who We Help

Importers funding supplier deposits and balance payments on goods that have not landed yet
Wholesalers and distributors carrying inventory while customer payment terms run 30, 60 or 90 days
Businesses exposed to currency movement between the order and the final payment
Operators buying a bulk or seasonal stock lot at a price that will not be repeated
Distributors leasing their warehouse, where the security is the director's home or investment property
Established wholesalers buying the warehouse they have been leasing for years
Businesses carrying an ATO debt that is compounding while stock is still on the water
Directors with real property equity who have been declined by a bank on servicing

How We Can Help You

We lend against property, so a leased warehouse and a stock-heavy balance sheet do not end the conversation
The director's home or investment property is accepted security, and it is how most deals in this sector are done
Where the warehouse is owned, we can lend against it directly, and often for more
Funds are released to the business, so the supplier, the freight forwarder or the ATO can be paid without a third party in the middle
Terms run from 1 to 24 months, and most borrowers are with us for 3 to 6 while the stock sells through
We hold our own funds, so a decision takes hours and settlement can happen within 24 hours

Wholesale and Distribution Finance Scenarios We Fund

The money goes out to the supplier, often overseas and often up front, long before the stock lands, let alone sells, and every week the container is on the water is a week the capital is tied up. Below are the scenarios we are asked for most often. A note on what we are: we lend against property. We are not a trade finance provider and we do not write letters of credit, invoice factoring or debtor finance. We release capital so the business can fund those things itself, on its own terms, with no security taken over stock or debtors.

Importers and supplier deposits

The factory wants 30% on order and the balance before the container is released. The freight, the duty and the GST all fall due at the port. None of it waits for a customer to pay, and the currency can move against you between the order and the settlement.

The supplier is paid when the supplier expects to be paid, so the factory ships to schedule instead of holding your order or giving the slot to someone else. The facility is sized to carry the shipment through to the point the stock is sold, so the term is short by design and the repayment is already funded.

The order is paid on time, so the production slot is not lost
Funds the deposit, the balance payment, freight, duty and GST
Funds paid direct to the business, so the supplier relationship stays yours
No security taken over your stock or your debtor book
A currency movement can be met when it lands, not weeks later
Exit is the sell-through, a receivables collection, or a refinance

The order is paid on time, so the production slot is not lost
Funds the deposit, the balance payment, freight, duty and GST
Funds paid direct to the business, so the supplier relationship stays yours
No security taken over your stock or your debtor book
A currency movement can be met when it lands, not weeks later
Exit is the sell-through, a receivables collection, or a refinance

Our Loan Products

First mortgage: the cleanest position, used where the warehouse or the director's property is unencumbered, or an existing facility is being refinanced in full
Second mortgage: sits behind an existing first, so a home loan or a fixed rate does not have to be broken to release capital for stock or a supplier payment
Bridging loans: covers the gap between money going out to a supplier and money coming back from the sell-through, or between a purchase and a sale
Caveat loans: our fastest product, lodging a caveat rather than registering a full mortgage, for genuinely urgent windows such as a wharf release or a stock deadline

Frequently Asked Questions

Yes, and this is the most common situation we see in wholesale and distribution. Security comes from the director's home or an investment property rather than the business premises. A leased warehouse is not an obstacle, it is the standard pattern in this sector. Where a business does own its warehouse, that is strong security too, and we can often lend more against it.

No. We are a property-secured lender. We do not issue letters of credit, and we do not take security over stock or the debtor book through factoring or debtor finance. What we do is release capital against property so the business can pay its suppliers, clear its freight and duty, and fund its own inventory directly, without a financier sitting inside the supplier relationship.

The facility is advanced to the business, and the business then uses those funds as it needs, including paying an overseas supplier, a deposit, a balance payment, freight, duty or import GST. We lend against the property and we do not attach conditions to the trade itself.

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 stock sells through or a refinance 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 wholesale and distribution the strongest exits are the sell-through of the funded stock, a receivables collection against known customer terms, a property sale, or a refinance to a bank or commercial lender where the pathway is demonstrable. A general intention to refinance at some point is not an exit strategy.

Yes. Import GST, BAS, PAYG and superannuation arrears are among the most common reasons wholesalers come to us. We clear the position in a single payment secured against property, which stops the penalty interest compounding, and the facility is repaid from trading or a refinance. We can act where a payment plan has already been broken.

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