Private Lender in Melbourne

From professional services in the CBD and Docklands to the tech firms clustered through Cremorne and Richmond, Melbourne runs on operators who occasionally need money to land before a bank can move on it. An ATO bill, a contract acquisition, a development settlement, or a closing window does not pause for a credit committee. Secured Lending is a private, non-bank lender that funds those borrowers directly, with property-secured facilities from $250,000 to $10 million and clean files settled inside 24 hours. We lend for business and investment purposes only.

Where a private lender beats a bank in Melbourne

A bank reduces a business to a serviceability score, and plenty of sound Melbourne operators fail that test for reasons that have nothing to do with the strength of their deal. A logistics firm in Truganina with seasonal cash flow, a hospitality group with a lumpy season, a developer carrying a site between projects: all real, all bankable to us. We decide on the property you can offer and the credibility of your way out, which means a quicker answer and far fewer conditions.

• •Facilities from $250,000 to $10 million, clean files funded inside 24 hours
• •Judged on security strength and a believable exit, not a scorecard or three years of accounts
• •First and second mortgages taken across the Melbourne metro and into regional centres
• •Decided in-house by the people who run the book, with no committee in the way
• •A fit when a bank has said no, gone quiet, or simply cannot keep your timeline
• •Rates from 9.7% p.a. on terms running 1 to 24 months

The Melbourne borrowers we back

Our Melbourne book leans toward established operators, investors, and developers who hold property and value a certain outcome over shaving a few points off a rate. If you can put up security and show how the facility clears, you are the kind of borrower we are built for.

• •Logistics, warehousing, and manufacturing firms across Sunshine, Laverton, Truganina, and Dandenong South
• •Property developers and builders funding sites through Fishermans Bend and the growth corridors
• •Hospitality operators across the inner suburbs bridging a seasonal or fit-out gap
• •Owners settling an acquisition, a partner buyout, or an ATO and BAS position against a deadline
• •Self-employed owners with strong assets whose income a bank struggles to read cleanly
• •Investors and professional services firms in the CBD, Docklands, Cremorne, and Richmond releasing equity for the next move

Property that can secure the loan

The funds serve your business or your investment, and the property is what stands behind them. We take a broad range of Melbourne security, valued by our own team against live market evidence rather than a slow outsourced estimate.

• •Residential holdings across metropolitan Melbourne, from the family home to an apartment or rental property
• •Offices, retail, and strata suites through the CBD, Docklands, and the inner suburbs
• •Industrial and logistics sheds across the western belt and Dandenong South
• •Land and permitted development sites in the western and south-eastern growth corridors
• •Second mortgage positions sitting behind an existing bank or non-bank loan
• •Assets held inside a company, trust, or SMSF

How we read a deal

Our assessment is short and led by the security, and the exit sits above everything. A facility is only as good as the plan that repays it, so before anything else we want to see clearly how and when it clears.

• •The exit: a defined, evidenced route to repay through sale, refinance, or incoming funds. Nothing weighs more
• •Security and LVR: the property value today and the loan set against it, generally to 70%
• •Purpose: a sound business or investment use behind the money
• •Title and ranking: clean title, and whether our charge ranks first or second

“Melbourne deals usually come to us with a clock running, a developer who needs the next site locked before the last one settles, an operator out west whose ATO bill cannot wait. We are not the rate play, we are the certainty play. Show us the asset and the exit, and you will have an answer the same day.”

Gino Tabila

Associate Director

The Melbourne ground we cover

We fund across the whole metro: the CBD and Docklands, the Cremorne and Richmond tech cluster, the inner suburbs, the western industrial belt through Sunshine, Laverton, and Truganina, and Dandenong South in the south-east, along with the growth corridors and the Fishermans Bend renewal precinct. Where the security supports it, we also lend into Geelong, Ballarat, and Bendigo. If your business or your property sits here, we can act fast.