If you are building, refurbishing, or completing a commercial project, timing is usually the risk. Delays in approvals, progress payments, QS sign off, or settlement dates can put pressure on cash flow and contractor schedules. Commercial Builders Finance is designed to keep the project moving when the bank process is slow, inflexible, or not aligned to your build program. Contact us today.
Secured Lending provides secured commercial lending solutions for business owners who need speed, certainty, and clear requirements.
Private lending for Commercial Builders Finance
Working with a non bank private lender can be the difference between hitting your program dates and losing momentum on site. Banks often assess construction lending through rigid policy, longer timelines, and third party valuation queues. A private lender can focus more on the asset, the exit strategy, and the practical realities of the project. If you’re comparing non-bank business loans, this approach can be better aligned to real-world build conditions.
At Secured Lending, we speak to clients every week who require finance and we are happy to provide guidance and requirements for Commercial Builders Finance. If you are comparing options, we can help you understand what information a private lender will want to see, what strengthens an application, and what may create issues before you spend time and money. If you’re looking for a private lender in Australia, our process is built around speed, clarity, and execution.
Why business owners choose a non bank private lender for Commercial Builders Finance
Faster decisions when timing matters
Commercial projects move in weeks, not bank credit committee cycles. We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour. This helps when you need to secure a site, pay for materials, start works, or keep trades on schedule.
More practical assessment for construction and property backed deals
Private lending can be well suited where the project is strong but the structure is not bank perfect. This can include borrowers with complex entities, time sensitive settlements, non standard property security, or scenarios where servicing is secondary to the exit plan. Strong fundamentals still matter, such as security quality, feasibility, and clear repayment strategy, but the approach is typically more flexible than bank construction finance.
Short term finance aligned to your build cycle
Many commercial builds and value add projects need short duration capital that bridges a specific stage, such as acquisition to DA, DA to construction, construction to refinance, or practical completion to sale. We specialise in short term finance of 1 to 24 months, which is often a better match than long term bank facilities when your intention is to complete and exit.
Certainty around loan size and capability
Capacity matters when you are budgeting a project and negotiating with builders, consultants, or vendors. We offer loans from $250k to $10M, with rates from 9.2% p.a. We have funded over $500million loans, which gives business owners confidence that funding can be delivered when the deal stacks up.
Common use cases for Commercial Builders Finance
Business owners and developers typically seek commercial builders finance for:
- Settlement funding where bank timeframes cannot be met
- Early works, demolition, or mobilisation costs
- Construction funding to maintain progress while awaiting refinance or sale
- Residual stock or completed projects needing a short term facility until exit
- Bridging a gap created by variations, contingency overruns, or delayed progress payments
- Refinancing a private facility to extend time or release equity once value has been created
The right structure depends on security, project stage, and exit. A private lender will usually focus on the property asset, the build plan, and how the loan is repaid.
What Secured Lending will typically look for
To assess commercial builders finance efficiently, it helps to have:
- Security details, including location, title, and current encumbrances
- A clear use of funds and timeline
- Exit strategy, such as refinance, sale, or cash out
- Project information where relevant, such as plans, approvals, builder, budget, and insurance
- Borrower and entity information and any existing liabilities
If something is missing, we will tell you what matters most and what can be provided later so you can move without unnecessary back and forth.
Funding capability and loan parameters
Secured Lending offers private lending solutions with clear parameters:
- We have funded over $500million loans
- We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour
- We offer loans from $250k to $10M
- Rates from 9.2% p.a.
- We specialise in short term finance of 1 to 24 months
These facilities are designed for speed and execution. The right fit is typically a property backed transaction where the borrower values certainty and turnaround time.
Specialist private lending across secured business loans, mortgages, and bridging
We are specialist private lenders in secured business loan solutions, as well as private mortgage options and bridging facilities. This matters for commercial builders finance because the best outcome is often driven by structure.
For example, private bridging finance may solve a timing issue between milestones, while a first mortgage facility may provide the core funding secured against commercial property. In some cases, a second mortgage can be used to support a short term capital requirement without disrupting an existing senior facility, subject to suitability and consent.
Where we lend
We are a non bank private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. If your project is in a major metro corridor or a strong regional market, private funding can be a practical option when timeframes are tight and the security is sound.
Next step
If you are looking for a private lender for Commercial Builders Finance, Secured Lending can provide guidance on requirements, likely timeframes, and what structure may suit your project. The goal is simple: keep your build moving with a clear plan, a defined exit, and funding that matches your timeline.
Frequently Asked Questions
1) What’s the first thing you’ll want to see if my project is already underway and I need funds quickly?
Usually: the security property details, exactly what the funds are for (and when you need them), and the exit strategy. If the request is to keep works moving, a short timeline of upcoming milestones (e.g., next claims, key trades, practical completion targets) helps us assess urgency and structure without delays.
2) If my bank refinance is “approved in principle” but slow, can private finance bridge that gap?
It can, provided the refinance is a credible exit (lender, expected timing, supporting documents) and the security and deal fundamentals are sound. Many borrowers use private funding to keep the build progressing while a bank process catches up to the project schedule.
3) How do you treat variations, contingencies, or cost overruns partway through a build?
We’ll want to understand why the overrun occurred, what’s changed in the budget, and how you’re controlling costs from here. Clear supporting documents matter: updated quantity surveyor figures (if available), revised builder budget, remaining-to-complete estimate, and how the exit still works after the change.
4) Do I need DA/approvals in place to apply for Commercial Builders Finance?
Not always. It depends on the stage and purpose of the loan (e.g., acquisition to DA, early works, or bridging a settlement). What matters is that the structure matches the project stage and there’s a realistic pathway to the next milestone and repayment.
5) Can you lend if there’s already a senior lender on title (e.g., I need a second mortgage)?
Potentially, subject to suitability and consent. Second mortgage lending can work for short-term capital needs where you don’t want to disrupt an existing facility, but it’s assessed carefully around priority, equity position, and the practicality of the exit.
6) What tends to slow an application down, even with a private lender?
The most common issues are unclear use of funds, a vague exit strategy, missing security/encumbrance details, or mismatched expectations on timing (e.g., needing funds immediately but key documents are not accessible). If you tell us what’s available now versus what’s coming later, we can usually advise the cleanest path to keep things moving.
