Private Lender in Brisbane

South East Queensland is in a long building boom, and the borrowers riding it rarely have time for a credit committee. A development settlement, a construction-stage drawdown, an ATO bill, or a fast-moving site can all hinge on capital arriving this week, not next month. Secured Lending is a private, non-bank lender that funds property-secured loans from $250,000 to $10 million across Brisbane and South East Queensland, often within 24 hours, for business and investment purposes only.

A growth market a bank model reads slowly

The 2032 Olympics infrastructure pipeline and Cross River Rail are pulling forward a wave of property development and construction, and the operators in front of it are often the ones a bank handles worst. Builders and developers with stage-based cash flow, SMEs growing into the population surge, and self-employed owners billing in cycles get reduced to a serviceability figure and stalled. We work differently. The property you can offer and a credible route out of the loan decide the deal, which usually means a quicker yes, fewer conditions, and money in time to act.

• •Loans from $250,000 to $10 million, clean files funded within 24 hours
• •Judged on the security and a credible exit, not a serviceability calculator or years of returns
• •First and second mortgages across Brisbane and South East Queensland
• •No outside credit committee, you deal with the people who make the call
• •Built for borrowers a bank has declined, stalled, or simply cannot keep pace with
• •Rates from 9.7% p.a. on terms of 1 to 24 months

The Brisbane borrowers we back

Our Queensland book leans heavily toward the people building the region: developers, builders, and SMEs growing fast, plus the investors and advisers around them. If you hold property to put up as security and can show how the loan gets repaid or refinanced at the end, you are the kind of borrower we look for. Lending is for business and investment only, never a home loan or consumer credit.

• •Developers and builders funding a site acquisition, a settlement shortfall, or a construction stage
• •SMEs scaling into the population surge and needing working capital or stock funding
• •Logistics and trade operators around the Australia TradeCoast at Eagle Farm and Pinkenba, bridging between contracts
• •Hospitality, tech, and lifestyle businesses in Fortitude Valley and Newstead funding fit-out or expansion
• •Owners working through an ATO position, a BAS liability, or a director penalty notice
• •Investors settling a purchase across the Ipswich and Logan growth corridors
• •Self-employed operators with solid assets but income a bank cannot read cleanly

Property we lend against here

The funds are for the business or the investment, and the property secures them. We take a broad range of Brisbane and South East Queensland security, each asset priced by our own valuers against current local evidence rather than an outsourced desktop estimate.

• •Residential across Brisbane and South East Queensland, from the family home to an investment unit
• •Commercial offices, retail, and strata suites in the Brisbane CBD and surrounds
• •Industrial and warehouse stock at Acacia Ridge and through the Australia TradeCoast at Eagle Farm and Pinkenba
• •Vacant land and development sites, DA approved or not
• •Property that already has a bank or non-bank mortgage, where we sit behind in second position
• •Assets held in a company, trust, or SMSF

How we weigh a deal

The assessment is security-led and short. Four things drive it, and the exit sits above the rest. A loan is only as sound as the way it gets repaid, so we map that before anything else.

• •The exit: a clear, evidenced path to repay, by sale, refinance to a bank, or an incoming payment. This outweighs everything else
• •Security and LVR: the current value of the property and the loan against it, generally up to 70%
• •Purpose and title: a genuine business or investment use, clean title, and whether we hold first or second mortgage
• •The surrounding picture: the wider context that makes the exit credible

“In Brisbane right now the deals are moving as fast as the cranes. A builder or developer comes to us with a clean site, a deadline tied to a construction stage, and a bank that has gone quiet. We are not trying to win on the cheapest rate, we are there to give them a decision the same day and the certainty to settle.”

Gino Tabila

Associate Director

Where we fund across South East Queensland

We lend right across the Brisbane metro area and out through the wider growth corridor: the Brisbane CBD, the Fortitude Valley and Newstead lifestyle and tech precincts, the industrial belt at Acacia Ridge and the Australia TradeCoast at Eagle Farm and Pinkenba, and into the fast-growing Ipswich and Logan corridors. With the 2032 Olympics build and Cross River Rail feeding construction and trade across the region, the demand for fast capital is constant. If your business or your security property sits in Queensland, we can move on it quickly.