If your business is profitable on paper but tight on cash flow, a Working Capital Loan can help you keep trading with confidence. The right working capital finance can cover supplier invoices, payroll, tax obligations, stock purchases, contract mobilisation, seasonal demand, or short-term gaps between costs and receivables. Contact us today.
At Secured Lending, we speak to clients every week who require finance, and we’re happy to provide guidance and requirements for Working Capital Loans. You’ll get clear feedback on whether your request fits, what security is needed, and what information will speed up approval.
Why business owners choose a non bank private lender for Working Capital Loans
A non bank private lender can be the right fit when speed, flexibility, and practical credit assessment matter more than a perfect bank profile. Many borrowers consider non-bank business loans when timing is tight and there’s a clear, property-backed repayment plan.
Faster decisions when timing matters
Working capital needs are often time sensitive. Supplier terms, a new contract start date, or a tax deadline will not wait for lengthy bank timeframes. As a private lender using our own funds, we can provide fast decisions and move quickly within 24 hour timeframes where the scenario and security allow.
Security based lending that focuses on asset strength
Banks can be policy driven and may place heavy weight on financial ratios, industry appetite, and long documentation trails. Private lending is often more pragmatic and security focused. If you have suitable property security, a Working Capital Loan can be structured around the asset, the exit strategy, and the timing of your cash flow cycle.
Flexible structures for short term business requirements
Working capital funding is not always a long term facility. Many businesses need short term finance to bridge a gap, fund a growth spike, or manage settlement timing. Private Working Capital Loans can suit short durations and clear exit strategies such as refinance, sale, invoice collection, or business cash flow recovery.
More certainty once requirements are understood
A common frustration for borrowers is unclear approval pathways. With a private lender, the process can be more direct, especially when the loan is supported by property. When requirements are met, the pathway to approval and settlement is typically clearer.
Private lending: a practical, property-backed approach
If you’re comparing options with a clear exit strategy in mind, working with a private lender in Australia can provide a more direct pathway when the request is supported by suitable property and a time-bound repayment plan.
What Secured Lending offers for Working Capital Loans
Secured Lending is a specialist private lender in secured business loans, private mortgages including first mortgage and second mortgage solutions, and bridging loans. Our approach suits borrowers who need speed, discretion, and a practical assessment based on security and exit strategy. Where appropriate, we can also consider a private mortgage structure to match the scenario.
Funding capacity and track record
We have funded over $500 million in loans, across a range of secured lending scenarios.
Fast internal decision making
We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour timeframes, subject to the property, location, and deal complexity.
Loan size, term, and pricing
- Loan size: $250,000 to $10 million
- Term: 1 to 24 months (short term finance that aligns closely with many working capital cycles)
- Rates: from 9.2 percent per annum, with pricing dependent on the strength of the security, loan structure, and overall scenario
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.
Common reasons businesses seek Working Capital Loans
Working capital is not one single use case. We often see borrowers seeking funding for:
Cash flow gaps and timing mismatches
Examples include delayed receivables, large debtor cycles, or customer payment terms that create pressure on day to day operations.
Growth and expansion demands
Stock purchases, new hires, marketing spend, new premises costs, or ramp up costs for new contracts can require upfront cash before revenue arrives.
Contract mobilisation
Businesses may win a contract but need to pay labour, materials, or suppliers before progress claims are paid.
Tax and statutory obligations
Short term funding can help manage BAS, GST, PAYG, or other time sensitive obligations when cash is temporarily constrained.
Opportunistic purchasing
Discounted inventory, supplier incentives, or strategic purchases can require immediate funding.
How we assess a Working Capital Loan request
For Working Capital Loans, we focus on security, repayment plan, and the story behind the numbers. Because we are specialist private lenders in secured business loans, the property security component is central to how the facility is structured.
Property security and equity position
We look at the property type, location, marketability, and available equity. Our internal property valuation team helps streamline this step.
Purpose and use of funds
We’ll want a clear explanation of what the working capital will be used for and how it supports business continuity or growth.
Exit strategy
A strong exit strategy matters. Examples include refinance to a bank once financials improve, sale of an asset, settlement proceeds, or cash flow normalisation.
Financial snapshot
While private lending can be more flexible than banks, we still need to understand the business position. We will outline what documents are needed and what will create a faster outcome.
What you can expect when you speak with Secured Lending
You’ll get direct guidance on fit and feasibility. If your request is suitable, we’ll explain the requirements for a Working Capital Loan, the steps to approval, and the likely timeframes. If it’s not suitable, we’ll tell you early so you can make the right next move.
Because we speak to clients every week who require finance, we understand the urgency and the pressure that cash flow constraints can create. Our focus is to help you make a confident decision with clear information, not vague promises.
A practical option for short term working capital funding
If you need a Working Capital Loan and you have suitable property security, a non bank private lender can be an effective solution for speed and certainty. Secured Lending offers loans from $250,000 to $10 million, short term finance of 1 to 24 months, rates from 9.2 percent per annum, and fast decisions using our own funds, supported by an internal valuation team to keep the process moving.
For scenarios where timing is driven by a specific event (such as settlement or a refinance window), private bridging finance may also be relevant, depending on your security and exit strategy.
If you’re looking for a property-backed facility assessed on security and a clear repayment plan, our secured business loan approach is designed to suit short-term working capital needs where speed and clarity matter.
Frequently Asked Questions
1) What security do you typically need for a Working Capital Loan?
Working Capital Loans through Secured Lending are generally property secured. We look at the property type, location, marketability, and available equity, then structure the facility around the security and your exit strategy.
2) If my bank said no, what information matters most to you?
We focus less on rigid bank policy and more on whether the deal makes sense based on security, the reason for the cash flow pressure, and how you’ll repay the loan. A clear explanation of the situation and a credible exit strategy can make a significant difference.
3) How fast can you realistically move from enquiry to funding?
Where the scenario and security allow, we can move quickly within 24 hour timeframes for decisions. Timing ultimately depends on property details, location, and deal complexity, plus how quickly key information can be provided.
4) Can the loan be structured to match a specific cash flow event (like a contract milestone or settlement)?
Yes. Many working capital scenarios are driven by timing. If you have a defined event (settlement proceeds, invoice collections, a refinance window, a sale, or cash flow normalisation), the loan can be structured to align with that timing and exit.
5) What usually slows a working capital approval down?
Delays are commonly caused by unclear use of funds, an incomplete picture of the security (property details, existing debts), or an exit strategy that’s vague or not time bound. Clear information upfront helps keep momentum.
6) What makes a working capital request a poor fit for property-backed private lending?
If there’s no suitable property security, or the repayment plan relies on uncertain outcomes without a defined pathway (for example, “we’ll see how sales go”), it may not be the right solution. We’ll tell you early if the fit isn’t there and why.
