Mining and resources businesses often need capital on timelines that don’t match traditional bank credit processes. Whether you’re bridging a settlement, purchasing equipment, funding working capital against receivables, or refinancing to improve cash flow, the priority is usually speed, certainty, and a lender who understands asset-backed risk. Contact us today to discuss what’s feasible and how quickly a decision can be made.
At Secured Lending, we speak with clients every week who require finance and we’re happy to provide guidance and requirements for Mining and Resources Finance. We focus on secured lending where property security supports the loan, and we can help you understand what documentation is required and how the process typically runs.
What Mining and Resources Finance can support
Mining and resources funding needs are rarely one size fits all. Common use cases we see include:
- Equipment purchase or refinance where timing matters
- Working capital support during contract ramp-up or delayed receivables
- Short-term bridging finance to complete a transaction or manage a funding gap
- Refinancing an existing facility to consolidate debt or stabilise cash flow
- Time-sensitive opportunities where the business needs a lender that can move quickly
If your project has strong fundamentals but you need a faster credit pathway, secured private finance can be a practical solution.
A non-bank private lender option when timing is critical
Working with a non-bank private lender can be a strategic advantage when you need speed, flexibility, and an outcome-focused process. This is often where non-bank business loans can better align with real-world project timelines than traditional bank processes.
Faster decisions when time matters
Bank processes can be slow, especially where credit policy is restrictive. We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour.
More flexible assessment for complex scenarios
Private lending can be well suited when your structure, income profile, or transaction timeline doesn’t fit standard bank templates. This is particularly relevant in mining services and resources supply chains where contracts, milestones, and payment cycles vary. If you’re comparing options with a private lender in Australia, the key is understanding how security, purpose, and exit strategy will be assessed.
Short-term finance aligned to project timelines
We specialise in short-term finance of 1 to 24 months, which can suit bridging requirements, settlement deadlines, or planned exit strategies such as refinance, asset sale, or improved trading performance. For time-sensitive gaps, private bridging finance can provide momentum while you work toward a defined exit.
Asset-backed confidence
If you can provide suitable property security, secured funding can provide certainty and momentum while you execute on your commercial plan.
Clear loan parameters upfront
We offer loans from 250k to 10M, with rates from 9.2% p.a., so you can evaluate feasibility early and make an informed decision before you invest time.
Secured Lending capability and loan details
Secured Lending is a specialist private lender in:
- secured business loan solutions
- Private mortgages including first mortgage and second mortgage structures
- Bridging loans
Our loan details:
- 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
If your requirement sits outside typical bank appetite, we can still assess it quickly and tell you what is achievable based on the security, the purpose, and the exit. In some scenarios, a private mortgage structure may be appropriate where the property position supports the loan and the exit is clear.
What we typically need to assess your request
To provide clear guidance, we generally look for:
- The loan purpose and required timeframe
- The requested loan amount, term, and proposed exit strategy
- Details of the property security including location and current position
- Your business profile and how the loan supports cash flow or project delivery
- Any relevant contracts, invoices, or commercial context that supports the request
Our goal is to give you a direct view of requirements and next steps so you can move forward with confidence.
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 property security is in these markets, we can assess your scenario quickly and provide a clear pathway to funding.
Why borrowers choose Secured Lending for time-sensitive finance
When a mining or resources business needs speed, delays can cost contracts, equipment availability, or deal outcomes. We focus on delivering a practical lending decision, backed by our own funds and an internal valuation capability that supports rapid turnaround.
If you are seeking Mining and Resources Finance and want a lender that understands secured, short-term funding, Secured Lending can provide guidance, set expectations early, and move quickly when the opportunity is time sensitive.
Frequently Asked Questions
1) What types of property can be used as security for mining and resources finance?
Most commonly, borrowers use residential, commercial, or industrial property as security. What matters is the property’s location, equity position, and overall suitability for a secured loan—then the funding purpose and exit can be assessed against that security.
2) Can you help if our cash flow is strong but uneven because of milestones and progress claims?
Yes. This is a common scenario in mining services and resources supply chains. If payment cycles are lumpy (mobilisation, variations, milestone billing, retention), secured finance can be structured around the timing gap—provided the security and exit strategy stack up.
3) If we need equipment urgently, can funding still work if the equipment itself isn’t the security?
It can. Many borrowers prefer not to rely on equipment-only finance when timing is tight or when equipment resale values are hard to rely on. If you can provide suitable property security, we can assess the request based on that asset-backed position and the commercial purpose.
4) What does a credible exit strategy look like for a 1–24 month loan?
A strong exit is specific and time-linked. Common exits include refinance to a bank once financials catch up, sale of an asset, settlement of a contract receivable cycle, completion of a project leading to improved trading performance, or an agreed property sale. The best exits are supported by evidence and a realistic timeline.
5) We have an existing facility—can this be used to refinance quickly to stabilise cash flow?
Often, yes. If the aim is to consolidate debt, reduce short-term pressure, or create breathing room while a project completes, we can review the current facility, the security position, and your plan for the next 3–24 months to determine what’s achievable.
6) What should we prepare so you can assess the deal without delays?
If you can provide (1) the amount, term, and urgency, (2) the purpose and how funds will be used, (3) property security details (address, ownership, current lending), and (4) a clear exit plan, the assessment is typically much faster. Any supporting context—contracts, invoices, or a project timeline—helps us understand the risk and the pathway to repayment.
