Private Lender for Wholesale and Distribution Businesses
Capital that moves at the speed of your stock, not your bank review
Experts in strategic, short-term secured finance
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 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
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
Related Reading
- →Private lender for warehouse and distribution finance
- →Private lender for import and trade finance
- →Private lender for inventory and stock finance
- →Caveat loan for a supplier payment deadline
Bad Credit Lending for Wholesalers
A wholesaler pays the supplier long before the customer pays them, and that gap is what puts arrears on the file. Banks read the arrears. We lend against the commercial or industrial property the business owns, or against property owned by a director, to 70% LVR, and assess the equity and the exit instead. Rates from 9.7% p.a.
"A wholesaler pays the supplier long before the stock lands and long before a customer pays for it. A balance sheet test reads that as inventory risk. We read it as the ordinary shape of an import business. The supplier gets paid on time, the container clears the wharf before the demurrage eats the margin, and the stock is on the floor for the season it was bought for."
Gino Tabila
Associate Director
Frequently Asked Questions
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Case Studies
$2.155M Second Mortgage Working Capital Facility Across Brighton and Cremorne
$280K Second Mortgage for Short-Term Cash Flow in Kooyong
$545K Bridging Loan Across Three Suburbs in Melbourne's North-West
$400K Second Mortgage Repaid in Full After a Flexible Two-Month Extension
$1.8M First Mortgage Releases $980K of Working Capital for a Solar Business
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
