Private Lender for Business Bridging Loans

Most lenders rely on third-party valuation firms, which adds days — sometimes weeks — to the approval process. Because we have our own in-house property valuation team, we assess your security simultaneously with your application rather than waiting in a queue. That's what allows us to fund within 24 hours of approval. If your deal is time-sensitive, this single difference can be the reason it closes or falls over.

We lend from $250,000 up to $10 million against commercial or residential property security. If your funding requirement sits within that range, we can structure a facility that matches it — you're not being squeezed into a one-size-fits-all product. For deals above $10 million, contact us directly to discuss what's possible.

Yes. As a private lender, we assess your application primarily on the strength of the security property and the viability of your exit strategy — not on whether your financials tick every bank checkbox. If your business has seasonal income, is early-stage, or carries some credit history complexity, a private bridging loan is often the most practical path to funding. We look at the deal, not just the paperwork.

Your exit strategy is central to how we assess your application. The most common exits we see are: sale of the security property, refinance to a long-term bank or non-bank lender once your financials settle, or completion of a development or business transaction that generates the repayment. Whatever your exit looks like, we need to see a realistic, documented path to repayment before settlement. If you're unsure how to present your exit, speak with us early — we can help you structure it clearly.

A bank overdraft or line of credit is designed for ongoing, recurring cash flow — it's a revolving facility tied to your trading history and serviceability. A private bridging loan is a short-term, asset-secured facility designed to solve a specific, time-bound funding need: a property purchase, a debt refinance, a development gap, a business acquisition. The approval criteria are different, the speed is different, and the purpose is different. If your need is urgent and tied to a transaction or asset event, a bridging loan is almost always the more appropriate tool.

Yes, we can take a first or second mortgage across multiple properties to support your borrowing requirement. This is common where a single property doesn't provide sufficient security coverage on its own. If you have equity spread across commercial, residential, or industrial assets, we can structure a facility that draws on that combined position. Let us know what's available and we'll assess the combined security position.

Business bridging loans through Secured Lending can be used for a wide range of commercial purposes: purchasing a commercial property before your existing asset sells, funding a business acquisition, injecting working capital during a structured transaction, covering a tax debt or ATO liability, completing a development that's run over budget, or unlocking equity while you wait for long-term refinance to settle. If you have a specific use case that doesn't fit neatly into a category, contact us — private lending exists precisely to handle situations that banks won't touch.

Our loan terms run from 1 to 24 months, and we understand that business timelines don't always go to plan. If you're approaching the end of your term and your exit is delayed — a property sale taking longer, or a refinance still in progress — contact us as early as possible. Extensions can be considered on a case-by-case basis. The worst position you can put yourself in is saying nothing until you're in default. We'd always rather work with you on a solution than against you.

Our rates start from 9.2% p.a. The rate you're offered depends on factors including the loan-to-value ratio (LVR) of your security, the strength and clarity of your exit strategy, the loan term, and the complexity of your application. Lower LVR and a clean exit typically attract the best pricing. As a private lender we're taking on risk that banks decline — that's priced into the rate — but for a short-term bridging need, the cost of capital is rarely the deciding factor compared to the cost of missing the deal entirely.