Private Lender Australia

Secured Lending is a non-bank private lender headquartered in Barangaroo, Sydney, providing secured commercial finance to business owners, property developers, and investors across Australia. We lend our own capital, which means faster decisions, fewer conditions, and no committee delays.

What Makes a Private Lender Different?

Traditional banks assess borrowers primarily on income documentation, credit scores, and serviceability ratios. Private lenders like Secured Lending take a fundamentally different approach: we assess the quality of the security, the borrower's exit strategy, and the purpose of the loan. This means we can say yes when banks cannot.

Borrowers with tax debt, previous defaults, self-employed income, or time-sensitive deadlines regularly turn to private lenders because the process is built for their reality. Not for a borrower profile designed in a risk committee meeting.

Who We Lend To

• •Business owners needing working capital, acquisition finance, or urgent cash flow
• •Property developers requiring construction, land, or development site funding
• •Investors releasing equity from residential or commercial property
• •Borrowers with ATO tax debt, BAS liabilities, or director penalty notices
• •Companies or trusts that do not fit standard bank credit criteria
• •Borrowers facing settlement deadlines, mortgagee sales, or winding-up applications
• •Self-employed applicants with non-standard income documentation

Acceptable Security

We accept a wide range of Australian property as security for our loans:

• •Residential properties: family homes, investment properties, units
• •Commercial and industrial premises
• •Vacant land and development sites
• •Properties held within companies, trusts, or self-managed super funds

Loan Products and Use Cases

We provide funding across a broad range of purposes:

• •Business acquisitions, expansions, mergers, and partner buyouts
• •Working capital and franchise purchase finance
• •Tax debt consolidation, creditor payouts, and BAS liability finance
• •Mortgage refinancing and mortgagee-in-possession rescues
• •Commercial, residential, and duplex development finance
• •Land subdivision and knockdown rebuild projects
• •Healthcare, hospitality, industrial, and agricultural finance
• •Bridging finance, auction funding, and settlement shortfall finance
• •Equity release loans for investors and property owners

National Coverage

While we are based in Barangaroo, Sydney, Secured Lending operates across all major Australian capital cities and regions, including Melbourne, Brisbane, Perth, Adelaide and Canberra, as well as surrounding regional and rural areas where suitable property security exists.

Private Lending for Business Owners With Bad Credit

Most people who call us have already been declined somewhere, and a bad credit file is the most common reason. We are a private lender using our own funds, which means we set the credit policy. The property carries the loan to 70% LVR, the exit tells us how we get repaid, and the score is context rather than a gate. Asset-backed files do not need full financials.

We publish city-specific guides for businesses seeking private lending in Sydney, Melbourne, Brisbane, Perth, Adelaide, Canberra, and the Gold Coast. Across Greater Sydney we cover Parramatta, North Sydney, the Eastern Suburbs, the Inner West, and Western Sydney, covering local borrower profiles, security types, and regional lending conditions.

We are also a private mortgage lender, offering first and second mortgage finance for property purchase, business, and investment. Our lending is backed by the private mortgage investment fund we manage for wholesale investors, giving us the capital depth to fund quickly.