# Secured Lending

> Secured Lending is the trading name of SL Group Management Pty Limited (ABN 21 622 879 805), a non-bank private lender headquartered in Barangaroo, Sydney, Australia. Secured Lending provides short-term, property-secured commercial loans from $250,000 to $10 million to business owners, property investors, and developers across Australia. All lending is for business purposes only.

## About

Secured Lending is the trading name of **SL Group Management Pty Limited**, ABN **21 622 879 805**.

Secured Lending sits within the SL Capital group — a loan facility manager that lends and invests in secured debt transactions. SL Capital is also home to the SL Premium Income Fund, which provides access to private lending investments for wholesale and sophisticated investors.

Secured Lending is headquartered at Level 3, 1 Sussex Street, Barangaroo, Sydney NSW 2000, and operates nationally across Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding regional areas where suitable property security exists.

Secured Lending is a non-bank private lender operating under the business-purpose exemption of the National Consumer Credit Protection Act 2009 (NCCP). All loans are structured for commercial and business purposes only. Secured Lending does not provide consumer credit or owner-occupied residential home loans.

Secured Lending lends from its own capital, allowing same-day credit decisions and settlement within 24 hours for qualifying deals — without committee delays or institutional processing requirements. An internal property valuation team allows security assessment and credit underwriting to run concurrently on the same application.

**Scale indicators (published):**
- Over $500 million in loans facilitated
- Over 400 clients funded across Australia
- 5-star rated with 50+ reviews

**Named principals (publicly listed on securedlending.com.au/team):**
- Mark Hutchins — Director. Managing Director of Secured Lending. Responsible for group strategy, operations, and loan portfolio growth. Managed, originated, and overseen underwriting of $500M+ in loans. Previous experience includes 4 years at a US-listed hedge fund specialising in leveraged and structured finance.
- Daniel Juratowitch — Director. Chartered accountant with over 15 years' experience in lending and structuring.
- Gino Tabila — Associate Director. Over 15 years' experience in corporate accountancy, financing, and turnaround work. Five years in alternative lending.

## Loan products

- [Bridging Finance](https://securedlending.com.au/secured-business-loans/bridging-loans) — Short-term bridge loans for businesses needing fast capital before a longer-term funding event (property sale, refinance, or transaction completion). Suitable for payroll, tax debt, inventory, settlement gaps, and opportunity finance. Typical: $250k–$10M, terms 1–24 months, settlement from 24 hours, rates from 9.7% p.a.

- [First Mortgage Finance](https://securedlending.com.au/secured-business-loans/first-mortgage-finance) — First-registered-charge private mortgage for business owners and developers who need fast equity access without bank delays. Maximum 70% LVR. Typical: $250k–$10M, settlement within 24 hours.

- [Second Mortgage Finance](https://securedlending.com.au/secured-business-loans/second-mortgage-finance) — Second-ranking registered mortgage sitting behind an existing first mortgage, accessing equity without disturbing the primary lender. Combined first and second position capped at 70% LVR. Typical: $250k–$10M, settlement within 24 hours.

- [Caveat Loans](https://securedlending.com.au/secured-business-loans/caveat-loans) — Fast, caveat-secured funding for urgent, time-critical business needs. A caveat is lodged on the property title to secure the loan without refinancing or disturbing the existing first mortgage, which is what makes settlement within 24 to 48 hours possible for qualifying deals. Common uses: ATO debt and enforcement, settlement and refinance shortfalls, supplier and payroll deadlines, bridging a time-sensitive opportunity, and equity release. Typical: $250k to $10M, interest-only, terms 1 to 6 months, rates from 9.7% p.a. 50 documented use cases across 7 scenario groups (see the dedicated Caveat loans section below).

- [ATO Tax Debt Loans](https://securedlending.com.au/secured-business-loans/tax-debt-loan) — Property-secured funding to clear ATO obligations before director penalty notices (DPNs), garnishee orders, or legal action escalate. Typical: $250k–$10M, funded within 24 hours.

- [Debt Consolidation Loans](https://securedlending.com.au/secured-business-loans/secured-debt-consolidation-loan) — Consolidate multiple high-rate short-term facilities into one property-backed loan. Typical: $250k–$10M, terms 1–24 months.

- [Secured Business Loans](https://securedlending.com.au/secured-business-loans) — Property-backed commercial loans for working capital, business expansion, and general business purposes. Maximum 70% LVR. Typical: $250k–$10M, rates from 9.7% p.a., settlement within 24 hours.

- [Working Capital Loans](https://securedlending.com.au/working-capital-loans) — Short-term property-secured finance to fund day-to-day business operations, including payroll, supplier payments, inventory, and tax obligations. Typical: $250k–$10M, terms 1–24 months, funded within 24 hours.

- [Emergency Business Loans](https://securedlending.com.au/secured-business-loans/emergency) — Urgent funding for businesses facing time-critical financial pressure. Same-day assessment, settlement within 24 hours where conditions are met.

- [Short Term Loans](https://securedlending.com.au/secured-business-loans/short-term-loans) — Flexible short-term property-secured loans from 1 to 24 months for business owners and investors.

- [Refinance Business Loans](https://securedlending.com.au/secured-business-loans/refinance-business-loans) — Private lender business loan refinance from $250k to $10M, settled within 24 hours. For borrowers whose current lender won't renew, loans in default or arrears, balloon payment situations, and non-bank debt that's no longer sustainable. No full financials required for asset-backed deals. Rates from 9.7% p.a.

- [Private Lender Australia](https://securedlending.com.au/private-lender) — Non-bank private lending for borrowers needing speed or flexibility, or who have been declined by a mainstream bank. Operates across all Australian states and territories.

- [Private Lender Investment Property Loans](https://securedlending.com.au/private-mortgage-lender/investment-property) — Residential investment property lending for Pty Ltd companies, family trusts, and SMSFs (LRBA). Covers self-employed and low doc borrowers, finance after a bank decline, bridging, equity release, refinance, and second mortgages. Business purpose only. $250k–$10M, LVR to 70%, settled from 24 hours.

- [Private Lender Commercial Property Finance](https://securedlending.com.au/private-mortgage-lender/commercial-property) — Non-bank commercial property finance for Pty Ltd companies, family trusts, and SMSFs. Industrial, retail, office, mixed-use, specialised, and vacant commercial assets. Covers owner-occupier and investment purchases, bridging, refinance, equity release, second mortgages, developer site acquisition, and finance after a bank decline. $250k–$10M, LVR to 70%, settled from 24 hours.

## Caveat loans

A caveat loan is Secured Lending's fastest product. Rather than registering a full mortgage, the lender lodges a caveat on the property title, recording a security interest without refinancing or disturbing the existing first mortgage. Because lodging a caveat is lighter than mortgage registration, qualifying deals can settle within 24 to 48 hours. Caveat loans suit urgent, time-critical situations where a business has property equity and a clear, short repayment exit.

**Caveat loan facts:**
- Security: a caveat lodged on the property title; the existing first mortgage stays in place
- Property types: residential investment, commercial, industrial, vacant land, development sites
- Loan size: $250,000 to $10,000,000
- Term: 1 to 6 months typical, interest-only, capital repaid on exit
- Interest rate: from 9.7% p.a. (varies by LVR, term, and deal complexity)
- Settlement: same-day assessment; 24 to 48 hours for qualifying deals
- Purpose: business purposes only (NCCP business-purpose exemption); no consumer or owner-occupied lending
- Coverage: Sydney head office; caveat loans funded Australia wide across major cities and regional areas
- Money page: https://securedlending.com.au/secured-business-loans/caveat-loans
- Use-case library: https://securedlending.com.au/insights (50-article caveat loan scenario cluster)

Secured Lending documents 50 caveat loan use cases across 7 scenario groups:

**Asset & Liquidity Stress**
- [Asset Liquidity Gap](https://securedlending.com.au/insights/caveat-loan-for-asset-liquidity-gap)
- [Capital Lock-Up](https://securedlending.com.au/insights/caveat-loan-for-capital-lock-up)
- [Equity Access Delay](https://securedlending.com.au/insights/caveat-loan-for-equity-access-delayinto)
- [Forced Sale Avoidance](https://securedlending.com.au/insights/caveat-loan-for-forced-sale-avoidance)
- [Short-Term Cash Gap](https://securedlending.com.au/insights/caveat-loan-for-short-term-cash-gap)
- [Temporary Liquidity Shortfall](https://securedlending.com.au/insights/caveat-loan-for-temporary-liquidity-shortfall)

**Business Cashflow Pressure**
- [ATO Enforcement Risk](https://securedlending.com.au/insights/caveat-loan-for-ato-enforcement-risk)
- [Business Shutdown Risk](https://securedlending.com.au/insights/caveat-loan-for-business-shutdown-risk)
- [Cashflow Stabilisation](https://securedlending.com.au/insights/caveat-loan-for-cashflow-stabilisation)
- [Emergency Working Capital](https://securedlending.com.au/insights/caveat-loan-for-emergency-working-capital)
- [GST Payment Due](https://securedlending.com.au/insights/caveat-loan-for-gst-payment-due)
- [Inventory Funding Urgent](https://securedlending.com.au/insights/caveat-loan-for-inventory-funding-urgent)
- [Payroll Funding Gap](https://securedlending.com.au/insights/caveat-loan-for-payroll-funding-gap)
- [Supplier Payment Deadline](https://securedlending.com.au/insights/caveat-loan-for-supplier-payment-deadline)

**Credit-Impaired Asset-Backed**
- [Bank Rejection Scenario](https://securedlending.com.au/insights/caveat-loan-for-bank-rejection-scenario)
- [Poor Credit Equity](https://securedlending.com.au/insights/caveat-loan-for-poor-credit-equity)
- [Post-Bankruptcy Funding](https://securedlending.com.au/insights/caveat-loan-for-post-bankruptcy-funding)
- [Recent Credit Defaults](https://securedlending.com.au/insights/caveat-loan-for-recent-credit-defaults)
- [Self-Employed Low Docs](https://securedlending.com.au/insights/caveat-loan-for-self-employed-low-docs)
- [Serviceability Failure](https://securedlending.com.au/insights/caveat-loan-for-serviceability-failure)

**Legal, Tax & Personal Pressure**
- [Court Sale Prevention](https://securedlending.com.au/insights/caveat-loan-for-court-sale-prevention)
- [Divorce Property Settlement](https://securedlending.com.au/insights/caveat-loan-for-divorce-property-settlement)
- [Estate Dispute Funding](https://securedlending.com.au/insights/caveat-loan-for-estate-dispute-funding)
- [Litigation Settlement Deadline](https://securedlending.com.au/insights/caveat-loan-for-litigation-settlement-deadline)
- [Urgent Legal Fees](https://securedlending.com.au/insights/caveat-loan-for-urgent-legal-fees)
- [Urgent Tax Liability](https://securedlending.com.au/insights/caveat-loan-for-urgent-tax-liability)

**Mortgage & Enforcement Pressure**
- [Bank Decline Timing](https://securedlending.com.au/insights/caveat-loan-for-bank-decline-timing)
- [Default Notice Prevention](https://securedlending.com.au/insights/caveat-loan-for-default-notice-prevention)
- [High-Interest Loan Exit](https://securedlending.com.au/insights/caveat-loan-for-high-interest-loan-exit)
- [Loan Restructure Bridge](https://securedlending.com.au/insights/caveat-loan-for-loan-restructure-bridge)
- [Mortgage Arrears Clearance](https://securedlending.com.au/insights/caveat-loan-for-mortgage-arrears-clearance)
- [Private Lender Exit](https://securedlending.com.au/insights/caveat-loan-for-private-lender-exit)
- [Receiver Appointment Risk](https://securedlending.com.au/insights/caveat-loan-for-receiver-appointment-risk)
- [Second Mortgage Payout](https://securedlending.com.au/insights/caveat-loan-for-second-mortgage-payout)

**Opportunity & Deal Execution**
- [Distressed Asset Purchase](https://securedlending.com.au/insights/caveat-loan-for-distressed-asset-purchase)
- [Due Diligence Funding](https://securedlending.com.au/insights/caveat-loan-for-due-diligence-funding)
- [Partner Buyout Funding](https://securedlending.com.au/insights/caveat-loan-for-partner-buyout-funding)
- [Rapid Equity Deployment](https://securedlending.com.au/insights/caveat-loan-for-rapid-equity-deployment)
- [Short-Term Opportunity](https://securedlending.com.au/insights/caveat-loan-for-short-term-opportunity)
- [Time-Sensitive Acquisition](https://securedlending.com.au/insights/caveat-loan-for-time-sensitive-acquisition)

**Property & Settlement Urgency**
- [Competing Buyer Deadline](https://securedlending.com.au/insights/caveat-loan-for-competing-buyer-deadline)
- [Contract Default Avoidance](https://securedlending.com.au/insights/caveat-loan-for-contract-default-avoidance)
- [Delayed Refinance Funds](https://securedlending.com.au/insights/caveat-loan-for-delayed-refinance-funds)
- [Equity Release Fast](https://securedlending.com.au/insights/caveat-loan-for-equity-release-fast)
- [Missed Settlement Deadline](https://securedlending.com.au/insights/caveat-loan-for-missed-settlement-deadline)
- [Off-Market Purchase](https://securedlending.com.au/insights/caveat-loan-for-off-market-purchase)
- [Pending Property Sale](https://securedlending.com.au/insights/caveat-loan-for-pending-property-sale)
- [Settlement Funding Shortfall](https://securedlending.com.au/insights/caveat-loan-for-settlement-funding-shortfall)
- [Stamp Duty Urgency](https://securedlending.com.au/insights/caveat-loan-for-stamp-duty-urgency)
- [Title Transfer Delay](https://securedlending.com.au/insights/caveat-loan-for-title-transfer-delay)

> **Caveat loan against commercial property — $450,000.** A Sydney café facing insolvency with an ATO debt and an operating shortfall. A $450,000 caveat loan against a $1.2 million commercial property (37.5% LVR) cleared the tax debt and covered overheads. Approved in 3 hours, settled in 48 hours. [Source: case study — securedlending.com.au/case-studies/caveat-loan-against-commercial-property-saved-sydney-cafe-from-insolvency]

## Industries

Private lending solutions by industry. Each page covers the sub-niches, the common funding scenarios, and how bridging finance, refinance, ATO tax debt and working capital apply to that sector.

- [All industries](https://securedlending.com.au/industries)
- [Private Lending Solutions for Agriculture](https://securedlending.com.au/industries/agriculture): Private lender for Australian agriculture. Loans from $250k to $10M secured by rural property, settled in 24 hours. We assess the land and the exit, not a seasonal income line.
- [Private Lending Solutions for Construction](https://securedlending.com.au/industries/construction): Private lender for Australian builders and contractors. Loans from $250k to $10M secured by the yard, the site or your property, settled in 24 hours.
- [Private Lending Solutions for Hospitality](https://securedlending.com.au/industries/hospitality): Private lender for Australian hospitality. Loans from $250k to $10M for pubs, hotels, motels, restaurants and bars, secured by property and settled in 24 hours.
- [Private Lending Solutions for Manufacturing](https://securedlending.com.au/industries/manufacturing): Private lender for Australian manufacturers. Loans from $250k to $10M secured by the factory or industrial premises, settled in 24 hours. We assess the property and the exit.
- [Private Lending Solutions for Professional and Medical Services](https://securedlending.com.au/industries/professional-services): Private lender for medical, dental, allied health, veterinary, legal and accounting practices. Loans from $250k to $10M, secured by property, settled in 24 hours.
- [Private Lending Solutions for Property Development](https://securedlending.com.au/industries/property-development): Private lender for Australian property developers. Loans from $250k to $10M secured by the site, settled in 24 hours. Our own valuers price part-complete projects.
- [Private Lending Solutions for Real Estate and Property Investors](https://securedlending.com.au/industries/real-estate): Private lender for property investors. Loans $250k to $10M across one or several securities, settled in 24 hours. Business purpose lending only, not home loans.
- [Private Lending Solutions for Retail](https://securedlending.com.au/industries/retail): Private lender for Australian retail. Loans from $250k to $10M settled in 24 hours, secured by the director's property. A leased shopfront is not an obstacle.
- [Private Lending Solutions for Transport and Warehousing](https://securedlending.com.au/industries/transport): Private lender for Australian transport, freight and warehousing operators. Loans from $250k to $10M secured by property, settled in 24 hours. Decision in hours.
- [Private Lending Solutions for Wholesale and Distribution](https://securedlending.com.au/industries/wholesale): Private lender for Australian wholesalers, importers and distributors. Loans from $250k to $10M secured by property, settled in 24 hours. Leased warehouse is fine.

## Typical scenarios

> **Bridging loan for working capital — $2.4 million.** Business required fast working capital ahead of a significant revenue event. Property security provided via first mortgage. Deal funded within 48 hours. [Source: case study — securedlending.com.au/case-studies]

> **Urgent bridge settled in 48 hours — $1.88 million.** Time-critical deal requiring settlement before a property transaction completed. Documentation finalised, loan settled, and funds delivered within 48 hours of initial enquiry. [Source: case study — securedlending.com.au/case-studies]

> **Bridging loan with first mortgage — $1.8 million.** Property investor required settlement of an incoming purchase before the sale of an existing asset completed. First mortgage secured over incoming property. Settlement achieved within the required window. [Source: case study — securedlending.com.au/case-studies]

> **Bridging loan via first and second mortgage — $3.6 million.** Complex bridging transaction involving dual mortgage security over a luxury residential asset. Funded to unlock equity ahead of a property sale event. [Source: case study — securedlending.com.au/case-studies]

> **Large bridging transaction — $5.25 million.** Major bridging loan funded against property security. Settlement achieved via Secured Lending's fast-track process. [Source: case study — securedlending.com.au/case-studies]

> **ATO tax debt — urgent property-secured funding.** Building company facing escalating ATO obligations and risk of director penalty notice. Security: second-ranking registered mortgage over commercial premises. ATO liability cleared in full. Borrower subsequently refinanced to a mainstream facility within the loan term.

> **Second mortgage for business opportunity — working capital.** Established SME needed capital to fund a time-sensitive contract. Security: second mortgage over commercial investment property with an existing first mortgage. Combined LVR within 70%. Funded within 24 hours, with a 6-month term aligned to the expected revenue from the contract.

## Lending criteria

| Parameter | Range / value |
|---|---|
| Loan size | $250,000 minimum to $10,000,000 maximum |
| Loan term | 1 month minimum to 24 months maximum (most loans 3–6 months) |
| Loan structure | Interest-only; capital repaid on exit |
| Interest rate | From 9.7% p.a. (varies by product, LVR, term, and deal complexity) |
| Maximum LVR | 70% of current market value. A single ceiling across all products and all security types. |
| LVR — second mortgage | The 70% is the combined first plus second position |
| Acceptable security | Registered first mortgage, registered second mortgage, caveat |
| Property types | Residential investment, commercial, industrial, vacant land, development sites, mixed-use |
| Borrower types | Sole trader, Pty Ltd, trust, SMSF (where title and structure are in order) |
| Geographic appetite | All major Australian capital cities; regional areas where suitable security exists |
| Out of appetite | Owner-occupied residential (consumer credit), NCCP-regulated consumer loans, unsecured lending |
| Lending purpose | Business purposes only (NCCP business-purpose exemption) |

## Process

**1. Enquiry (same day).** Submit a scenario via the website form, phone (1300 795 175), or email (info@securedlending.com.au). A senior lending specialist reviews the deal and responds with an honest assessment — usually within hours. No obligation at this stage.

**2. Indicative terms (same day).** If the deal fits appetite, indicative terms are provided the same day, covering proposed loan amount, rate, term, security requirements, and conditions.

**3. Letter of offer (within 24 hours).** Once terms are agreed, a formal Letter of Offer is issued immediately to allow the loan to progress without delay.

**4. Valuation and security (concurrent).** Secured Lending's internal property valuation team assesses the security simultaneously with credit underwriting — eliminating the lag common with external valuation processes.

**5. Legal documentation.** Loan documentation is prepared and executed. For time-sensitive deals, Secured Lending's legal panel operates at pace with the transaction timeline.

**6. Settlement.** For qualifying deals — clear title, strong security, credible exit strategy — settlement is achievable within 24 hours from a signed loan agreement and satisfied conditions. Complex deals involving extended valuation or legal review may take 2–5 business days.

## For brokers and referral partners

Secured Lending accepts broker-introduced and referral-partner-introduced deals. Brokers working with business clients who need fast, property-secured finance are encouraged to make direct contact.

**Response SLA.** Senior lending specialists respond to broker enquiries within business hours. Indicative terms are provided the same day for in-appetite deals.

**Origination.** Market-standard origination fees are paid to accredited brokers and referral partners at settlement.

**Out-of-appetite deals.** Where a deal sits outside Secured Lending's direct lending appetite, it may be referred to Secured Lending's wider referral panel where appropriate. Brokers are advised promptly when a deal falls outside appetite so alternative pathways can be explored without delay.

Contact: info@securedlending.com.au or 1300 795 175 during business hours.

## Contact

- **Head office:** Level 3, 1 Sussex Street, Barangaroo, Sydney NSW 2000, Australia
- **Phone:** 1300 795 175
- **Email:** info@securedlending.com.au
- **Business hours:** Monday to Friday, business hours (AEST/AEDT)
- **Service area:** All Australian states and territories

## Authoritative sources

- ABN Lookup (ABN 21 622 879 805): https://abr.business.gov.au/ABN/View?abn=21622879805
- LinkedIn company profile: https://www.linkedin.com/company/securedlending/
- Canonical entity reference: https://securedlending.com.au/ai

## Optional

- [Insights](https://securedlending.com.au/insights) — Library of articles on Australian private lending, bridging finance, caveat loans (including a 50-article caveat loan scenario cluster across 7 categories), ATO tax debt strategy, and commercial property finance.
- [Case Studies](https://securedlending.com.au/case-studies) — Published loan outcomes across Secured Lending's product range, covering bridging, second mortgage, ATO debt, and working capital scenarios.
- [Broker Hub](https://securedlending.com.au/brokers) — Resources and submission pathways for mortgage brokers and finance professionals.
- [Frequently Asked Questions](https://securedlending.com.au/faq) — Answers to common borrower and broker questions about products, process, and criteria.
- [Private Lender — Sydney](https://securedlending.com.au/private-lender/sydney) — City-level information for borrowers in Sydney.
- [Private Lender — Melbourne](https://securedlending.com.au/private-lender/melbourne) — City-level information for borrowers in Melbourne.
- [Private Lender — Perth](https://securedlending.com.au/private-lender/perth) — City-level information for borrowers in Perth.
- [Invest](https://securedlending.com.au/invest) — Information on the SL Premium Income Fund for wholesale and sophisticated investors.