It has been a crazy week here at Secured Lending!
When you’re up against the clock and traditional lenders are dragging their feet, access to fast, flexible capital isn’t just convenient — it’s critical. That’s exactly where short-term lending plays its part.
In the past week, our team at Secured Lending has funded seven very different loans for seven very different scenarios — each requiring urgency, clarity, and tailored thinking. From developers mid-project to business owners dealing with ATO pressure, here’s a snapshot of how thoughtful short-term finance can keep things moving when the unexpected arises.
1. Developer Loan: 2nd Mortgage – $1.2 Million
A developer, midway through a residential project, needed urgent funds to manage escalating costs. One of our team members attended the site that same afternoon, met with the builder, assessed the progress, and funding was provided the following day. There was no red tape or delays — just an experienced view and prompt action.
2. ATO Wind Up: 2nd Mortgage – $450K
A business owner faced an ATO wind-up application after their proposal for a payment plan was declined. With limited time to act, we arranged a tax debt loan secured by a second mortgage and had the funds released within 24 hours. The pressure was real, but so was the relief.
3. Bank stuck in snail land: 1st Mortgage – $6.3 Million
This client was assured their bank would settle a property acquisition. Days before settlement, they were told the bank needed more time. We stepped in to complete the purchase with a first mortgage, and will exit when the bank is finally ready. Inflexibility from a major lender could have cost them the deal.
4. Debtor didn’t pay: 1st Mortgage – $4.3 Million
A large trading business was suddenly left short when a key debtor delayed a significant payment. Facing payroll and cashflow issues, we provided funding secured against the directors’ homes and a company-owned commercial property. The business stayed operational, avoiding deeper consequences.
5. Phone bill bad boy: 2nd Mortgage – $2.8 Million
A strong applicant with a substantial property portfolio had been rejected by mainstream lenders due to a two-year-old corporate phone bill paid late. While the logic may be questionable, the impact on borrowing capacity was very real. We assessed the true risk and funded a second mortgage within days.
6. Clowns need funding too: 1st Mortgage – $3.3 Million
A client with an impressive property portfolio — and a side business as a children’s party entertainer — needed fast, no-fuss funding. Despite their unconventional profile, the underlying assets were strong, and we provided a first mortgage solution within 24 hours.
7. Existing client knocking on our door: 1st & 2nd Mortgages – $7.2 Million
A returning client saw an opportunity to buy out a business partner at favourable terms. Their bank estimated 4–6 weeks for credit approval. We refinanced the existing group facility and extended additional funds within 48 hours, allowing the client to act quickly and decisively.
What’s the fastest way to get a loan when your bank says no? That’s the question we ask every day.
At Secured Lending, we understand that sometimes you don’t have the full picture yet — you’re reacting to pressures or seizing an opportunity. Whether it’s bridging finance, a second mortgage, or a quick caveat loan, our team is ready to work through your scenario and help you find the most effective path forward.
Get in touch to see how we can help you or your client move from stress to solution, fast.
