Private Lender in the Inner West

The Inner West runs on small, owner-driven businesses: independent breweries and food producers, the hospitality and live-music rooms of Newtown, Enmore, and Marrickville, the trades and small manufacturers working out of converted warehouses, and the renovators and small developers reshaping the area street by street. Their income is rarely tidy, and the timing of a deal rarely waits for a credit committee. Secured Lending is a non-bank lender that funds these borrowers directly, writing property-secured loans from $250,000 to $10 million, often within 24 hours, for business and investment purposes only.

Income the Inner West earns, and the way banks read it

A creative studio bills in stages. A brewery or food producer ships in lumpy batches. A builder waits on a development drawdown, and a venue operator lives or dies on the trading season. A bank flattens all of that into a serviceability figure and, more often than not, declines. We start from the other end. The property you can offer as security and a credible, evidenced plan to repay decide the deal, which means a strong Inner West borrower who does not fit a bank template is usually a fast yes for us.

• •Loans of $250,000 to $10 million, clean deals funded within 24 hours
• •Judged on the security and the exit, not a serviceability calculator or years of clean financials
• •First and second mortgages both written across the Inner West
• •Decided in-house, with no external credit committee between your request and settlement
• •Comfortable with trust, company, and SMSF-held security
• •Rates from 9.7% p.a. over terms of 1 to 24 months

What carries the most weight when we look at a deal

Our read on a deal is security-led and built around one question above all others: how does this loan get repaid? Map the exit clearly and the rest of the assessment moves quickly.

• •The exit: a clear route to repay, whether by sale, refinance to a bank, or a known incoming payment. This outweighs everything else
• •Security and LVR: the property value today and the loan written over it, typically up to 70%
• •Purpose: a real business or investment reason behind the borrowing
• •Title and ranking: clear title, and whether ours sits as a first or second mortgage
• •The wider picture: everything around the file that tells us the repayment will land

Inner West operators and investors we back

Our Inner West book is weighted toward established operators, investors, and the small developers reshaping the area, people who value a fast, certain answer over chasing the last basis point on a rate.

• •Independent breweries, food producers, and manufacturers funding stock, equipment, or a larger order
• •Hospitality and live-music operators across Newtown, Enmore, and Marrickville moving on a lease or fit-out
• •Trades and small manufacturers in the converted warehouses around Marrickville, St Peters, and Camperdown
• •Creative and professional studios billing in stages and managing irregular project income
• •Renovators and small-scale developers funding a purchase, a value-add project, or a settlement
• •Owners borrowing through trusts or companies who need security taken at arm's length from the trading entity
• •Borrowers clearing an ATO position or refinancing expensive short-term debt onto a cleaner facility

The property we lend against here

The loan is for the business or the investment, and the property secures it. Our own valuers price each asset against current Inner West evidence, which is faster and more accurate than an outsourced desktop figure.

• •Converted warehouses and light-industrial buildings around Marrickville, St Peters, Camperdown, and the Alexandria edge
• •Commercial shopfronts and offices along the Newtown, Enmore, Leichhardt, and Ashfield high streets
• •Residential terraces and homes through Balmain, Annandale, Stanmore, and Petersham
• •Renovation and small development sites, with or without DA approval
• •Property already carrying a bank facility, taken as a second mortgage
• •Security held within a company, a trust, or a self-managed super fund

“The Inner West is full of operators whose books look messy on a bank spreadsheet, a venue, a brewery, a builder between drawdowns, and yet they hold real property and run real businesses. We do not punish them for lumpy income. Show us the asset and the way out, and you will have a decision the same day.”

Gino Tabila

Associate Director

Where we fund across the Inner West

We lend right through the Inner West, from the warehouse and food-production pockets of Marrickville, St Peters, and Camperdown, to the hospitality strips of Newtown and Enmore, and out across Leichhardt, Balmain, Annandale, Ashfield, Petersham, and Stanmore. With Sydney Metro now running at Marrickville and Sydenham and renewal underway at Bays West and along the WestConnex corridor, more owners here are funding renovation, conversion, and small development. If your business or your security property sits in the Inner West or anywhere in Australia, we can move quickly.