Private Lender in Adelaide

Adelaide trades on long contract cycles. Shipbuilders at Osborne work to defence milestones, growers in the Barossa and McLaren Vale earn against a vintage, and manufacturers at Tonsley and engineers across the northern parks invoice in lumps. A bank wants none of that lumpiness; it wants a smooth serviceability line. Secured Lending lends to the borrowers in between. We write first and second mortgages from $250,000 to $10 million against property right across Adelaide and the regions, and a clean file can fund inside 24 hours. Business and investment purposes only.

When the timing of money, not the merit, is the problem

Much of the work that moves through Adelaide is paid on a schedule someone else controls. A submarine or frigate supplier at Osborne carries cost months ahead of the milestone payment. A space or advanced-manufacturing firm out of Lot Fourteen or Tonsley wins the contract before the cash arrives. A vineyard banks a year of income across a few weeks of harvest. None of that fits a serviceability calculator, so good operators get a no. We read the security and the exit instead, which is why a borrower a bank cannot place is often a fast yes here.

• •First and second mortgages from $250,000 to $10 million, tidy files funded within 24 hours
• •Judged on the asset and the way out, not a serviceability score or three years of returns
• •Built for contract-linked, seasonal, and self-employed income a bank reduces to one figure
• •Approved in-house, with no credit committee standing between your request and settlement
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •Strictly business and investment use, never a personal or consumer loan

The asset behind the loan

The money funds the business or the investment; the property is simply what stands behind it. Our own valuers price each asset against current Adelaide evidence rather than waiting on an outsourced desktop figure, which keeps the assessment both quicker and closer to the real number. We take security in a wide range of forms.

• •Residential across metropolitan Adelaide, from a North Adelaide home to a suburban investment unit
• •Offices, retail, and strata suites through the CBD, North Terrace, and the professional belt
• •Industrial and warehousing at Wingfield, Edinburgh Parks, Lonsdale, and the northern corridor
• •Vineyard, agribusiness, and rural holdings through the Barossa, McLaren Vale, the Adelaide Hills, and Clare
• •Vacant land and development sites, DA approved or not
• •A second mortgage sitting behind an existing bank or non-bank facility
• •Property held inside a company, trust, or SMSF

Who comes to us across the city

Our Adelaide book leans toward established operators, investors, and the advisers who refer them, people who value a firm answer over shaving the last point off a rate. If you hold property to put up and have a clear way to repay or refinance at the end of the term, we want the call.

• •Defence, engineering, and advanced-manufacturing suppliers bridging the gap to a milestone payment
• •Wine, viticulture, and agribusiness operators carrying a seasonal or vintage-linked income line
• •Owners working through an ATO arrangement, a BAS liability, or a director penalty notice
• •Businesses funding stock, a wages run, or short-term working capital through a growth phase
• •Investors and developers settling a purchase or acquiring a site
• •Self-employed operators with strong assets but income a bank cannot tidily document

The part of a deal we weigh hardest

Five things shape every assessment, and the exit sits above the rest. A facility is only as sound as the plan to clear it, so we want that route mapped before anything else moves.

• •The exit: a clear, evidenced path to repay, by sale, a refinance back to a bank, or a known incoming payment. Nothing weighs more
• •Security and LVR: the current value of the property and the loan set against it, generally to 70%
• •Purpose: a genuine business or investment use for the funds
• •Title and ranking: clean title, and whether we hold first or second mortgage
• •The surrounding picture: the wider facts that make the exit believable

“Half the calls we take out of Adelaide come down to timing. The contract is real, the asset is clean, but the payment lands in three months and the bank will not bridge it. Show us the security and a credible way out, and we will have an answer back to you the same day.”

Gino Tabila

Associate Director

Where the security and the business can sit

We fund clients right through metropolitan Adelaide, the CBD and North Adelaide, the inner suburbs, the health and research precinct on North Terrace, and the industrial corridors at Wingfield, Edinburgh Parks, and Lonsdale. Out past the city we lend across the wine country and the regions, the Barossa, McLaren Vale, the Adelaide Hills, and Clare among them. Wherever the business or the security property sits in the area, we can usually move fast.