Private Lender in the Inner West

We can look at it, where the bank's payout figure fits inside 70% of the property's value. A freehold hotel is valued on a going-concern basis, and the security is still the freehold property. Our loan repays the bank at settlement. Ask the bank for a written payout figure that includes the receiver's costs, and send it to us with the hotel's recent trading figures. What repaying the bank means for the receiver's sale is a question for insolvency specialists. We do not give insolvency advice, but we can connect you with insolvency specialists in our network.

• →Urgent loans when a receiver is appointed or threatened

Yes, if it has enough equity. To borrow $350,000, the unit needs to be worth at least $500,000 after any mortgage on it is counted, because all loans must stay within 70% of its value. If it already has a bank loan, we can lend behind it on a second mortgage. The loan funds are paid to the business, and we agree how you will repay before we lend, such as a refinance or the sale of the unit.

• →Working capital loans

Yes. The loan is secured by the factory unit, which is industrial property, and the money pays for ingredients and packaging. The ingredients and stock themselves are never the security. To borrow $500,000, the unit needs to be worth at least about $715,000 after any existing mortgage. The payment you are owed in 60 days can be how you repay us, and we set the term to match it.

• →Working capital loans

It has to be property. We never take a licence or a business as security. We lend against property, such as your home, an investment property or a commercial building you own, and the loan can then pay for the purchase of the bar. Send us the sale agreement, the settlement date and the property you can offer, and we aim to give you an indicative offer the same day.

• →Business acquisition loans

Yes. We lend against both residential and commercial property, so a shop with a flat above it can secure a loan. Our own valuer values the property, by inspection or by desktop valuation. The loan can be up to 70% of our valuation, less any mortgage already on it. Tell us whether the shop and the flat are leased, and what is owed on the property.

Yes. A first mortgage from us can repay the current private lender, up to 70% of our valuation of the house, and the bank refinance then repays us. We set the term to the date the bank expects to settle. Send us the current lender's payout figure, the bank's approval status and the property address. With three weeks left, start now so the valuation is done in time.

• →Expiring private loan

It can. A loan secured by the warehouse property alone can be up to $1.4 million, which is 70% of the lower of our valuation and the $2 million price. With your $200,000, that leaves about $400,000 for the terrace to cover, plus your purchase costs. On the terrace, all loans must stay within 70% of its value. A terrace worth $1.8 million with $700,000 owing has room for $560,000.

• →Industrial property purchase loans

Yes. One loan can pay a super guarantee charge, and it can include income tax and activity statement debts if the business has those too. The loan funds are paid to the business, which pays the ATO, and the loan is secured by property the owners hold. Under Payday Super, super is now due within 7 business days of each pay run, so tell us how you will keep up with future payments as well as the plan to repay the loan.

• →Payday super loans

It can be done, if the terrace is an investment and not the home you live in. The loan is based on our valuation of the terrace, within our 70% limit, and is repaid from the sale, with the term set to your expected sale date. Send us the builder's schedule of the remaining work, its cost and what is owed on the terrace now. We need to learn your scenario further before we can say how much the terrace supports.

• →Short term loans

It can. The company is the borrower and the loan funds are paid to it for the settlement. Under the standard New South Wales contract, a vendor can end the contract and keep a deposit of up to 10% of the price if a buyer does not comply with a notice to complete, so ask your solicitor to confirm the deadline in the company's contract. We can lend up to 70% of the lower of our valuation and the price. With 10% paid, that leaves 20% of the price, plus the purchase costs, to come from the company's own funds or from a second property added as security, such as a director's home. The loan is repaid when the bank refinance is approved. Send us the contract and the notice today.

• →Off-the-plan settlement loans

Up to $430,000. 70% of $900,000 is $630,000, and after the $200,000 owing to the bank, that leaves $430,000, which is above our $250,000 minimum. The bank loan stays in place, and second mortgage rates start from 11.95% p.a. Tell us what the new site needs the money for and how you plan to repay.

• →Second mortgage finance

Yes. Since 1 July 2026 super must be received by the fund within 7 business days of payday. Inner West employers use our payday super finance, secured against property, either to fund the payment on time or to clear a charge already owed to the ATO.

Often, yes. Many of our Inner West borrowers come to us after a bank has gone quiet or said no, usually because their income is lumpy, self-employed, or held through a company or trust. We assess the property you can offer as security and your plan to repay, not a serviceability score, so a deal a bank would not touch can be funded within 24 hours on a clean file.

Rates start from 9.7% p.a. and are priced to the term, the security, and the risk of the individual deal. Every cost, including any establishment fee, is set out in the letter of offer before you commit, with nothing hidden.

Not with us. Plenty of Inner West borrowers run on irregular, project-by-project income, a builder waiting on a development drawdown, a food producer between large orders, a creative studio billing in stages. A bank reads that as a serviceability problem and stalls. We look at the property you can pledge and the plan to repay, so lumpy cash flow rarely stops a sound deal.

Most commercial, industrial, and warehouse security sits at up to 70% of value, including the converted warehouses and light-industrial buildings around Marrickville and Camperdown. Development sites, vacant land, and second mortgages are looked at case by case. Our own valuers price the asset against current Inner West evidence rather than a desktop guess.

Yes. Hospitality and live-music operators along Newtown and Enmore often need to move on a lease, a fit-out, or an equipment upgrade before a bank can act. As long as you hold property to secure the facility and have a clear way to repay or refinance, the funds can go toward a fit-out, expansion, stock, or working capital. Lending is for business purposes only, never a personal loan.

No. We lend for business purposes only, to companies, not to individuals, and never for personal home loans or consumer credit. The loan must be for a genuine business purpose and secured by property.

Yes. We are a private mortgage lender writing registered first and second mortgages over Inner West property, for business purposes only. Loans start from $250,000, and a clean file can be funded within 24 hours.

Yes. The Inner West is one pocket of a much wider Sydney book. Our main Sydney page maps our metro coverage, our Private Lender Australia overview gives the national picture, and our Parramatta guide covers the deals we write further west.

That is exactly what it is for. Refinancing a whole position to fix a short-term problem is expensive, and with arrears on file it is often not available anyway. A second mortgage over the Inner West property releases what you need, leaves the first loan untouched, and is repaid at your sale, settlement or refinance.

Yes. We have pages for buying a pub, an industrial or warehouse property, and a business, each listing the documents we need.

• →short term urgent finance