When you’re eyeing an off-market deal, speed and certainty matter. Off-market deals—those properties or assets not publicly listed—often come with unique opportunities: less competition, more room for negotiation, and the chance to secure a valuable asset before it hits the open market. But these deals also come with their own set of pressures: tight settlement deadlines, the need for fast decision-making, and, most importantly, the challenge of arranging finance quickly and discreetly. Assess your scenario today.
Why Secured Loans Are a Smart Move for Off-Market Deals
A secured loan is a straightforward, practical solution when you need to act quickly. By leveraging your residential or commercial property as collateral, you can access the funds you need—often within 24 hours. This is especially useful for off-market deals, where the window to secure the asset is narrow and traditional bank finance is too slow or rigid.
- Fast access to funds: With a secured loan, you can arrange same day settlement or funding within 24 hours. This speed is critical when you’re negotiating an off-market deal and need to show the vendor you’re serious.
- Certainty of settlement: Off-market deals often require urgent settlement. A secured loan gives you the confidence to commit, knowing your finance is locked in.
- Flexible terms: Unlike traditional lenders, we can structure the loan to suit your timeline—whether you need business bridging loan, a second mortgage, or a short-term secured business loans.
- Discreet and private: Off-market deals are often sensitive. As a private lender, we keep your transaction confidential and move quickly without unnecessary red tape.
How Secured Lending Helps You Move Fast
Secured Lending specialises in urgent, short-term loans for business owners and investors who need to move quickly. We’ve facilitated over $500 million in loans for urgent settlement needs, including off-market deals. Our process is simple: review your scenario, confirm your security, and arrange funding—often within 24 hours.
We know that every off-market deal is different. Whether you’re buying a commercial property, acquiring a business, or seizing a unique investment, we can structure a secured loan that fits your needs. Our team coordinates directly with your solicitor or broker to ensure a smooth, stress-free settlement.
Bridging Loans for Off-Market Deals
Bridging loans are a common solution for off-market deals, especially when you need to secure a new asset before selling an existing one. With a bridging loan, you can access the equity in your current property to fund the purchase—without waiting for your sale to complete.
This approach is ideal for time-sensitive opportunities. You avoid missing out on the off-market deal, and you’re not forced to rush the sale of your existing asset. Secured Lending can arrange bridging loans with same day settlement, giving you the flexibility to act when the right opportunity arises. If you need even faster access to funds, caveat loans can also be considered for urgent scenarios.
Why Work with a Private Lender?
Traditional banks are often too slow or inflexible for off-market deals. As a Private Lender in Australia, Secured Lending operates nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra—and we’re not bound by the same restrictions as banks. We’re a non-bank commercial lender, which means we can assess your scenario on its merits and move quickly.
Our focus is on practical solutions. We don’t get bogged down in bureaucracy or endless paperwork. If you have a residential or commercial property to offer as security, we can review, structure, and confirm your loan—often within hours. This is the certainty you need when you’re negotiating an off-market deal.
Real-World Scenarios: How Secured Loans Solve Problems
- Cash flow gaps: You’ve found an off-market property, but your funds are tied up in another asset. A secured loan bridges the gap, letting you secure the deal now and repay when your other asset settles.
- Settlement deadlines: The vendor wants a fast, unconditional settlement. With a secured loan, you can meet the deadline and avoid losing the deal to a faster buyer.
- Stock purchases or business acquisitions: Off-market deals aren’t limited to property. If you’re acquiring a business or buying stock at a discount, a secured business loan gives you the capital to move quickly.
- Renovations or upgrades: Sometimes, the value in an off-market deal comes from adding value. A secured loan can fund urgent renovations or upgrades, increasing your return on investment.
How We Can Help
Secured Lending is here to remove friction and help you move quickly. We’ve provided strategic lending advice for off-market deals in the past, and we can help assess your scenario. Our team specialises in urgent short-term loan solutions such as bridging finance, second mortgage, and secured business loans. We coordinate with your advisors, confirm your options, and arrange funding—so you can focus on securing the deal.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently.
Frequently Asked Questions
1. What types of property can I use as security for a secured loan?
You can use residential or commercial property as collateral. We do not accept other types of assets as security.
2. How quickly can I access funds for an off-market deal?
We can arrange same day settlement or funding within 24 hours, depending on your scenario and the documentation provided.
3. Can I use a secured loan for business acquisitions or stock purchases?
Yes, secured business loans can be used for a range of purposes, including business acquisitions, stock purchases, or urgent working capital needs.
4. What is the difference between a bridging loan and a second mortgage?
A bridging loan is typically used to “bridge” the gap between buying a new asset and selling an existing one. A second mortgage is an additional loan secured against your property, sitting behind your primary mortgage.
5. Do you operate Australia-wide?
Yes, as a private lender and non-bank lender, we operate across Australia, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
