Private Lender on the Gold Coast

The Gold Coast economy moves to its own rhythm. Hospitality and tourism takings surge over the holidays and the event calendar, the development pipeline runs in stages from the Surfers high-rises to the master-planned communities at Coomera, and plenty of capable operators look lumpy across the off-season. None of that fits a bank credit model neatly. Secured Lending is a non-bank lender working out of Barangaroo, Sydney, and we fund coast clients directly, writing property-secured loans from $250,000 to $10 million that a clean file can settle within 24 hours.

Cash flow that runs in seasons, not in straight lines

A bank wants steady monthly income and a serviceability number that ticks over the same every month. That is not how a beachfront venue, a going-concern restaurant, or a builder between stages actually earns. Their money arrives in waves, around peak season, around settlement, around a completed project, and a bank too often reads the trough rather than the year. We do not test a smoothed income figure at all. We back the property you can offer and a clear plan to repay, which is why a strong coast operator the bank could not fit is usually a quick yes for us.

• •Loans from $250,000 to $10 million, with a clean file funded within 24 hours
• •Judged on the security and a believable exit, not on a serviceability calculator or years of tidy financials
• •First and second mortgages taken across the coast and the corridor north
• •Approved in-house, with no credit committee sitting between your request and settlement
• •Built for borrowers a bank has declined, parked, or simply cannot match for speed
• •Rates from 9.7% p.a. across terms of 1 to 24 months
• •For any genuine business or investment purpose

What carries the deal when we assess it

We weigh five things, and the exit sits above the rest. A loan is only ever as sound as the way out of it, so we want that route mapped before anything else gets attention.

• •The exit: a clear, evidenced route to repay, whether a sale, a refinance, or known incoming funds. This outweighs everything else
• •Security and LVR: the current market value of the property and the loan written against it, generally to 70%
• •Purpose: a real trading or investment use for the money
• •Title and ranking: clean title, and whether we take a first or a second mortgage
• •The wider picture: the surrounding facts that make the exit stand up

Who comes to us on the coast

Our coast book leans toward established operators, builders, and investors who want a deal done on time and hold property to back it. We lend for business and investment purposes only, never a personal or consumer loan.

• •Hospitality and tourism operators bridging the gap between peak trading seasons
• •Property developers funding a site purchase, a settlement shortfall, or a construction stage at Coomera and along the northern corridor
• •Builders and trades carrying the cash flow gap between project phases
• •Operators clearing an ATO position, a BAS liability, or a director penalty notice
• •Self-employed borrowers with solid assets but income a bank calls non-standard
• •Investors settling a purchase or completing an off-the-plan apartment
• •Borrowers a bank turned away on credit history, tax debt, or income that did not fit the box

The property we will lend against here

The money funds the business or the investment, and the property is what secures it. Our own valuers price each asset against current coast evidence, which is faster and more accurate than waiting on an outsourced desktop number.

• •Residential, from the family home to an investment apartment in Surfers Paradise or Broadbeach
• •Commercial offices, retail, and strata suites through Southport, Robina, and the Surfers Paradise hub
• •Industrial and warehouse stock across the M1 estates running the length of the city
• •Vacant land and development sites at Coomera and through the northern corridor, DA approved or not
• •A second mortgage behind an existing bank or non-bank facility
• •Property held inside a company, a trust, or an SMSF

“Half the people who call us from the coast run a venue or a project where the money lands in waves, not in even monthly slices, and the bank cannot see past that. We can. Bring us a solid security and a clear way out, and the season your takings sit in does not decide your loan.”

Gino Tabila

Associate Director

Where we lend, from the strip to the corridor

We fund clients the length of the coast, through Surfers Paradise, Southport, Broadbeach, Robina, and Burleigh Heads, out to the building activity at Coomera and the corridor running north, and across the M1 industrial estates in between. Run a hospitality venue on the water, hold a development site inland, or own an investment apartment to put up as security, and we can move fast on it. If the business or the property sits in Queensland, we want to hear from you.