Private Lender in Melbourne

Melbourne businesses facing an ATO deadline, a business acquisition, a cash flow gap, or a time-sensitive funding need regularly turn to private lenders because banks cannot move fast enough. Secured Lending provides business loans from $250,000 to $10 million, funded within 24 hours, secured against property across the Melbourne metro and regional Victoria.

Why Melbourne Businesses Use a Private Lender

Victoria's business lending market is served primarily by banks that apply uniform credit criteria — the same model used for a salaried home buyer is applied to an SME with irregular revenue, ATO obligations, and a complex ownership structure. Secured Lending takes a different approach: we look at the property offered as security and the borrower's exit strategy, and we make decisions quickly based on those two factors.

• •Business loans from $250k to $10M, funded within 24 hours
• •Credit decisions based on security and exit strategy — not rigid bank income tests
• •First and second mortgages available across Melbourne metro and regional Victoria
• •Suitable for businesses with ATO debt, complex income, or a bank that cannot move fast enough
• •No credit committee delays — speak directly with decision-makers
• •Rates from 9.7% p.a. with terms from 1 to 24 months
• •Funds available for any legitimate business purpose

Who We Lend to in Melbourne

We work with Melbourne businesses across a wide range of industries and structures. If you have property as security and a credible exit, we can generally help.

• •Business owners managing ATO payment arrangements, BAS liabilities, or director penalty notices
• •Companies completing acquisitions, mergers, or partner buyouts that need to settle quickly
• •Construction and trade businesses bridging between project completions and new contracts
• •Self-employed borrowers whose tax returns don't reflect current business income
• •SMEs needing working capital to take on a large contract or manage seasonal cash flow
• •Businesses refinancing short-term or high-rate debt onto a cleaner facility
• •Companies that have been declined by their bank due to credit history or complexity
• •Property developers needing land acquisition or pre-construction bridging finance

Property We Accept as Security in Melbourne

The funds we lend are for your business — the property is the security. Melbourne's property market gives many business owners more available collateral than they realise.

• •Residential property across metropolitan Melbourne — houses, apartments, townhouses
• •Commercial property in the CBD, Docklands, and inner and middle-ring suburbs
• •Industrial and logistics assets in Melbourne's western and south-eastern corridors
• •Vacant residential and commercial land in Melbourne's growth corridors
• •Second mortgage positions behind existing bank debt, assessed against combined LVR
• •Properties held within companies, trusts, or SMSFs

Business Lending Across Greater Melbourne and Victoria

We lend across the full Melbourne metropolitan area and into regional Victoria for the right deal. Our most active areas include the inner north, inner south-east, the CBD and Docklands, and growth corridors to the west and south-east. We also consider well-secured lending in Geelong, Ballarat, and Bendigo where the property quality supports it.

We also fund businesses in Sydney and Perth — and nationally. See our Private Lender Australia overview for our full national lending footprint.