If you operate or acquire an aged care facility, you already know the stakes. Settlement dates are fixed. Compliance costs are real. Cash flow can be lumpy due to occupancy movements, staffing costs, and upgrade requirements. When a bank process is slow or too restrictive, a private lender can be the difference between securing the asset and missing the opportunity. Contact us today.
Secured Lending provides aged care facility finance for business owners who need a fast, secured solution backed by experienced guidance and clear requirements.
Who This Type of Finance Suits
Aged care facility finance through a private lender can suit you if you are:
- Purchasing an aged care facility and need funds within a tight settlement window
- Refinancing existing debt to stabilise cash flow or reduce immediate pressure
- Funding capital works such as room upgrades, fire safety improvements, accessibility works, or compliance-related refurbishments
- Bridging a timing gap between a purchase, a refinance, or an asset sale
- Requiring funding when traditional lenders are not aligned with your scenario, structure, or timeline
This is secured lending. The property and security position matter, and the plan to repay the loan matters. If you have a clear exit strategy, short-term finance can be a strong fit.
Why a Non-Bank Private Lender Can Fit Aged Care
Working with a non-bank private lender can offer advantages that are especially relevant in the aged care sector, where timing and certainty often matter as much as price.
Faster decisions and faster execution
Secured Lending uses our own funds for fast decisions and we have an internal property valuation team which allows us to move fast within 24 hour. This can be critical when you are negotiating a purchase, responding to a vendor deadline, or managing urgent operational needs.
Short-term finance designed for transitions
We specialise in short term finance of 1 to 24 months. This suits common aged care scenarios such as bridging to a longer-term refinance, stabilising occupancy prior to bank assessment, completing upgrades to support a valuation uplift, or consolidating pressure while a sale process is underway—often supported by private bridging finance where timing is critical.
Flexible underwriting focused on the drivers of risk
Private lending focuses on security, feasibility, and the repayment plan. If your structure is more complex, your financials don’t fit a standard template, or the asset needs work before it qualifies for long-term lending, a private lender can assess the opportunity more commercially.
Clear requirements and a direct process
Business owners value certainty. You want to know what documents are required, what can be funded, what conditions apply, and what the realistic time frames are. That is exactly how we approach private credit.
What Secured Lending Can Provide
- We have funded over $500million loans
- We offer loans from $250k to $10M
- Rates from 9.2% p.a.
- We specialise in short term finance of 1 to 24 months
- We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour
Our Lending Specialisations (and Why They Matter for Aged Care)
Secured Lending are specialist private lenders in secured business loans, private mortgages including first mortgages and second mortgages and bridging loans. For aged care facility finance, that means we can often structure the loan around the security and the time-critical goal—whether it’s acquisition, refinance, or bridging, including options such as a secured business loan where the security and exit are clear.
Common Aged Care Facility Finance Scenarios We See
Aged care is not a generic property category. We speak to clients every week who require finance and we are happy to provide guidance and requirements for aged care facility finance. Common scenarios include:
- Purchase finance where a bank timeline does not meet settlement
- Bridging finance while a longer-term lender completes due diligence
- Refinancing to release funds for upgrades, compliance works, or operational stability
- Second mortgage funding where the first lender will not advance further, but equity exists and the plan is strong
- Funding to support a turnaround plan, such as occupancy improvement or a refurbishment that strengthens value
How We Assess an Aged Care Facility Loan
Private lending is practical. We focus on the factors that determine whether the loan is secure and repayable within the term.
Security and valuation
We assess the property, the location, and the marketability of the asset. With an internal valuation capability, we can move quickly to determine whether the security supports the requested loan amount.
Loan purpose and term fit
We look at how the funds will be used and whether the loan term of 1 to 24 months is appropriate for your timeline.
Exit strategy
A clear exit strategy is essential. Common exits include refinance to a longer-term lender after works are completed, sale of the asset, sale of another property, or a staged equity injection.
Borrower profile and supporting documentation
We review the available financial information and the strength of the overall position. The goal is not to overcomplicate the process. The goal is to make a sound lending decision quickly.
Private lending
If you need speed, certainty, and a practical process, working with a private lender in Australia can help you act within tight timelines while keeping the focus on security, feasibility, and a defined exit strategy.
Where We Lend
We are a non bank private lender servicing Sydney, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas, including Melbourne. If your aged care facility is in a major city or a key regional market, we can usually assess it promptly.
Why Business Owners Choose Secured Lending for Aged Care Facility Finance
When you are arranging aged care facility finance, you are not just choosing a rate. You are choosing execution, decision speed, and a lender who understands secured lending and time-critical property transactions.
With Secured Lending, you can expect:
- A direct conversation about feasibility, requirements, and time frames
- Fast decisions using our own funds
- A valuation process designed for speed
- Specialist capability across first mortgage, second mortgage, secured business loans, and bridging loans
- Loan sizes from $250k to $10M, with short term terms of 1 to 24 months
If you are assessing private lender options for an aged care facility purchase, refinance, or bridging requirement, Secured Lending can provide guidance, outline the requirements, and move quickly when the opportunity is time sensitive—including solutions often compared with private mortgage structures and other non-bank business loans depending on the asset, security position, and exit.
Frequently Asked Questions
1) We have a fixed settlement date—what’s the fastest way to know if this is achievable?
Share the address, purchase price, required loan amount, settlement date, and your proposed security position (first or second mortgage). The key is quickly confirming whether the security supports the loan and whether your exit strategy fits within a 1–24 month term.
2) What exit strategies do you generally want to see for aged care facility loans?
Most commonly: refinance to a longer-term lender once occupancy or financials stabilise, refinance after capital works (to support valuation uplift), sale of the facility, sale of another property, or a staged equity injection. The exit needs to be specific, time-bound, and realistic for the asset and market.
3) Can the loan funds be used for compliance-driven upgrades and refurbishments?
Yes—capital works such as room upgrades, fire safety improvements, accessibility works, and compliance-related refurbishments can be a valid purpose, particularly where the works support operational stability, maintainability, or future refinance/sale outcomes.
4) How do you look at occupancy fluctuations when assessing the deal?
Occupancy movements are common in aged care, so the assessment typically focuses on the security, the feasibility of the plan, and how the loan will be repaid within the term. If the strategy is to stabilise occupancy before a bank refinance, the timeline and evidence supporting that plan matter.
5) If our current bank won’t increase the facility, can a second mortgage be an option?
It can be, where equity exists and the plan is strong. Second mortgage funding is often used to fund upgrades, cover timing gaps, or stabilise a situation while a longer-term solution is executed—provided the overall security position and exit are clear.
6) What should we prepare upfront to avoid delays once we decide to proceed?
Have the basics ready: property details, current debt position (if refinancing), what the funds will be used for, the requested term, and a clear exit strategy. If works are involved, include scope, rough budget, and timeline. If a sale or refinance is the exit, include the intended pathway and timing.
