Non-bank private business loans, settled this week.

A business loan from a private lender rather than a traditional bank. Non-bank lenders like Secured Lending use their own funds, make their own decisions, and are not subject to the same regulatory constraints as banks — which means faster approvals, more flexible terms, and the ability to fund deals banks won't touch.

Most clean deals — where security and exit strategy are clear — settle within 24 to 72 hours of application. Urgent same-day settlements are possible when documentation is ready.

$250,000. We write deals up to $10 million. Anything smaller than $250k generally isn't commercial for us given the valuation and legal costs involved.

Usually no. Because loans are secured against property and written for business purposes, our assessment focuses on security value and exit strategy — not trading history. This is why non-bank lenders can move faster than banks.

Typically up to 70% of security value for residential, lower for commercial and specialised property. Higher LVRs considered case-by-case on strong deals with clear exits.

Yes — this is one of the most common reasons businesses come to us. Non-bank lenders assess deals differently. We focus on the security and the exit, not just your credit history or trading performance.

No penalties for early repayment in most cases. Terms are 1–24 months — designed for borrowers who need fast capital with a clear exit.

Yes. ATO debt refinance is one of the most common uses. Provided there's acceptable security and a clear exit, we can often settle within a week.

A lending specialist (not a call centre) will call you within business hours to discuss the deal. If it fits our criteria, you'll receive an indicative offer the same day.