Private Lender in the Inner West

Secured Lending is a private, non-bank lender based in Barangaroo that funds its own loans. We write property-secured finance from $250,000 to $10 million for businesses and investors across the Inner West, often within 24 hours, for business and investment purposes only. When a bank has said no or cannot move fast enough, we assess the deal on the value of your security and a clear plan to repay, not a serviceability score. The Inner West runs on small, owner-driven businesses whose income rarely fits a bank template, and that is the borrower we are built for.

Our Private Lending Products

• •First and second mortgages
• •Bridging finance between property settlements
• •Caveat loans for fast, short-term funding
• •Business-purpose and cash-out loans
• •Refinance of expensive short-term debt
• •ATO and creditor payout finance

Why Use a Private Lender in the Inner West

Banks assess income and serviceability, send every file to a credit committee, and often decline sound borrowers whose income is lumpy or held through a company or trust. We work the other way. Across the Inner West, where a lease, a fit-out, or a settlement can turn on a few days, we look at the property offered as security and how the loan will be repaid, which lets us commit quickly and fund when it counts.

• •Approvals in hours and funding within 24 hours on a clean file
• •Assessed on the value of your security and your exit, not a serviceability test
• •Complex, self-employed, and non-conforming income welcome
• •Company, trust, and SMSF borrowers are no obstacle
• •Short-term, interest-only funding available
• •Business-purpose and cash-out loans welcome

Who We Help

• •Property owners and investors
• •Developers and commercial property owners
• •Mortgage brokers and finance advisers
• •Lawyers and accountants referring clients
• •Business owners who need urgent capital

We lend for business and investment purposes only, never personal home loans or consumer credit.

Our Rates, Terms and Lending Criteria

• •Loan size: $250,000 to $10 million
• •Term: 1 to 24 months, typically 3 to 6
• •Rates: from 9.7% p.a., with every cost set out in the letter of offer
• •LVR: up to 70%
• •Security: a registered first or second mortgage over property
• •Exit strategy: required on every loan, by sale, refinance, or incoming funds

The exit is the single most important factor we assess. A loan is only as sound as the plan to repay it, so we map that first and build the rest of the decision around it. Property held in companies, trusts, or SMSFs is fine, and we take residential, commercial, industrial, and development security.

Private Mortgage Lender in the Inner West

As a private mortgage lender, we write registered first and second mortgages over property and fund every loan from our own capital, so no outside bank sits between you and the decision. We are a non-bank lender working purely for business and investment purposes, with loans from $250,000 to $10 million, and a clean file can settle within 24 hours.

A private mortgage lender moves at a pace a bank cannot, with no serviceability test or credit committee holding up a straightforward deal. We build short-term, interest-only structures around your timeline and welcome borrowers held through a company, trust, or SMSF, along with those a bank has already declined. In the Inner West, where a settlement or a fit-out can turn on a few days, that speed is often what keeps the deal alive.

Bad Credit Business Loans in the Inner West

Inner West property holds real equity, and that is usually the one strong thing on a file otherwise marked by arrears. A short second mortgage releases that equity without disturbing the first loan, to a combined 70% LVR. We assess the property and the exit. Pricing on second mortgages starts from 11.95% p.a.

“The Inner West runs on owner-driven businesses whose income rarely fits a bank template: a builder waiting on a drawdown, a food producer between large orders, a venue that needs to move on a lease before someone else does. The equity is usually sitting right there in a converted Marrickville warehouse or a Newtown shopfront. Our job is to release it quickly enough to still be useful.”

Gino Tabila

Associate Director

Where We Lend Across the Inner West

We lend right across the Inner West, from Newtown and Marrickville to Leichhardt and Balmain and the surrounding suburbs. Wherever your business trades or your security property sits, in the Inner West or anywhere in Australia, we can move quickly.