Private mortgage lender. Funded in 24 hours.
Specialists in private mortgage and commercial property lending.
Company borrowers only. We do not service personal loans.
Client Success
Every case below represents a business that came to us after being declined or delayed by their bank.
$2.8M commercial acquisition — liquidator timeline, settled in days.
$2.8M · Commercial · VIC
$5M industrial warehouse — bank said no, we settled it.
$5M · Industrial · SA
$1.3M second mortgage cleared ATO debt and unblocked a refinance.
$1.3M · Second Mortgage · NSW
$1.1M bridging loan kept a live development on schedule.
$1.1M · Bridging Finance · NSW
$3M facility for a business expansion, settled in 2 business days.
$3M · Property-Backed · NSW
$250K secured against property for a Brisbane operator, settled in 36 hours.
$250K · Property-Backed · QLDWhen the bank says no, a private mortgage gets it done.
Secured by property, assessed on the asset
Your loan is backed by a registered first or second mortgage over commercial or investment property. We lend against the security and the exit, so a tight credit file or a slow bank does not stop a strong deal.
Built for borrowers a bank cannot move fast enough for
A purchase closing this week, a refinance the bank keeps stalling, a settlement gap that cannot slip. A private mortgage is designed for exactly these time-critical situations.
Our funds, our decision
We are a non-bank direct private lender. No broker chain, no credit committee. The person assessing your deal is the person authorising the funds, which is why we can move faster than any bank or managed fund.
First and second mortgages, clear exits
We write first and second mortgages from $250k to $10M, with terms structured around a credible exit. Most deals are short to medium term while a longer-term solution is arranged.
Testimonials from our clients.
"I've dealt with a lot of lenders over the years, and this was refreshingly easy. A private mortgage sorted without the usual back-and-forth."
Director, Commercial Property Investor
$680k · Private mortgage
"Stuck with tax debt that no one wanted to touch. Gino and his team didn't flinch and got a second mortgage done."
Managing Director, Construction Company
$1.4M · Second mortgage
"The bank kept stalling on our commercial settlement. Gino moved fast and we settled on time. Thanks SL."
Owner, Industrial Property
$2.1M · Commercial finance
"We were under the pump on a property purchase. Secured Lending came through on a Tuesday, funds in the account by Friday. Quicker than I expected."
Director, Property Investment Group
$900k · Investment property
Private mortgage scenarios we fund every week.
If your situation isn't listed, call us. We've probably seen something similar. All loans are for business and commercial purposes only, secured against real property.
Commercial property purchase
Buying commercial property on a timeline the bank cannot meet. A private mortgage settles fast so you do not lose the deal.
Investment property finance
First or second mortgage finance for an investment property purchase, refinance, or equity release, assessed on the asset rather than serviceability.
Declined or delayed by the bank
The bank said no, or is taking too long. We assess on property security and a clear exit, and can fund where a bank will not move.
Refinance or cash-out
Refinance an existing facility or release equity from property for a business purpose, without waiting weeks for a bank approval.
Bridging and settlement gaps
Funds needed between settlements or while longer-term finance is arranged. A private mortgage bridges the gap with minimal delay.
Second mortgage behind a bank
Access equity with a registered second mortgage behind your existing first, clearing a tax debt or funding the next move.
Scenarios We Can Help With
Browse our full range of private lending scenarios we can help assist with.
Enquire today. Funded this week.
1. Tell us about the property
Submit the 60-second enquiry with the property and the deal. We'll review your scenario and come back with an indicative offer, usually the same day.
2. Same-day assessment
No committees, no weeks of waiting. Because we use our own funds and value in-house, you get a clear answer within hours, not a maybe. If we can't help, we can point you to another solution.
3. Funds in your account
Mortgage registered, docs signed, funds transferred. Most clean deals settle within 24 hours of your first enquiry.
Why businesses prefer Secured Lending.
First and second mortgages, $250k to $10M
We write private mortgages other lenders consider too urgent, too complex, or outside bank policy, secured against commercial and investment property across Australia.
Funded in as little as 24 hours
Same-day assessment and settlement on clean deals. When a purchase, refinance, or settlement cannot wait on a bank, a private mortgage is the fastest path to funds.
We fund with our own money
No broker chain, no credit committee in another city. The person assessing your deal is the one authorising the funds, which is why we move quickly.
In-house property valuation team
Valuations done in hours, not weeks. We do not queue behind other lenders or wait on external valuers.
Bank decline is not a problem
We assess on the property security and the exit, not trading history or credit scores. A bank decline or a tight timeline is exactly what we are built for.
Sydney-based, speak to decision-makers
Not a call centre. Not outsourced. You speak directly with the team that can approve and settle your private mortgage.
Need funding this week? Start your enquiry now.
Submit your enquiry or call us directly. Indicative offers issued same day, with funding in as little as 24 hours on clean deals.
$250k to $10M · First & second mortgages · Business & commercial only
Frequently Asked Questions
Still have questions? Our team is available by phone during business hours.
Call 1300 795 175Loans offered by Secured Lending are strictly for business and commercial purposes only and are not available for owner-occupied or personal home loans. Applications are subject to credit assessment, property valuation, and satisfactory security. Terms, fees and rates vary by deal and are subject to security type, LVR and exit strategy.