Private Lender in Parramatta

Parramatta has grown into Sydney's second CBD, and the pace of business there rarely matches the pace of a bank credit committee. An ATO bill falls due, a site comes up, a contractor payment runs late, or an acquisition needs settling against a hard date. Secured Lending funds those moments. We are a non-bank lender working from Barangaroo, writing property-secured loans from $250,000 to $10 million across Parramatta and the western corridor, with a clean deal funded inside 24 hours. Our lending is for business and investment only.

Who borrows from us across the western corridor

Our Parramatta book leans toward established operators and investors who would rather have certainty against a deadline than chase the last point on a rate. If you hold property to put up and can show a clear way to repay or refinance, the conversation is worth having.

• •Professional and advisory firms in and around Parramatta Square managing growth or fit-out as the office market expands
• •Trades, civil, and construction businesses bridging between stages of work along the Metro West and corridor pipeline
• •Practice owners and operators near the Westmead health and research precinct funding equipment, fit-out, or expansion
• •Owners settling an acquisition, a merger, or a partner buyout against a fixed date
• •Self-employed operators with strong assets but income a bank cannot read cleanly
• •Investors and developers funding a purchase, a settlement, or a commercial or industrial site
• •Borrowers clearing an ATO position, a BAS liability, or a director penalty notice
• •Borrowers a bank turned away on income complexity or credit history rather than the merits of the deal

Why a bank model trips up so many Parramatta businesses

The growth around Parramatta Square, Westmead, and the light-industrial pockets at Camellia, Granville, and Rydalmere is built on businesses whose income does not arrive in tidy monthly lines. A bank flattens all of that into a serviceability number and often says no. We read the deal differently: the property you can offer and a credible plan to repay decide it, not a calculator. That makes for a quicker answer, fewer conditions, and money that lands when it is actually needed.

• •Loans from $250,000 to $10 million, with clean deals funded within 24 hours
• •Judged on security strength and a believable exit, not years of financials or a credit score alone
• •First and second mortgages taken across Parramatta and the western corridor
• •Decided in-house, with no external credit committee standing between you and settlement
• •Built for situations where a bank has declined, stalled, or simply cannot move at your pace
• •Rates from 9.7% p.a. over terms of 1 to 24 months

What we weigh before we say yes

The assessment is security-led and built around five points, with the exit carrying far more weight than the rest. A loan is only as sound as the way out of it, so we map that first.

• •The exit: how and when the loan clears, whether by sale, refinance to a bank, or a known incoming payment. This counts above everything else
• •Security and LVR: the property's current value and the loan taken against it, generally up to 70%
• •Purpose: a genuine business or investment reason for the funds
• •Title and ranking: clean title, and whether we sit in first or second position
• •The wider picture: the broader circumstances that show the repayment plan holds up

Security we lend against around Parramatta

The funds back your business or your investment; the property is simply what stands behind them. Our own valuers price each asset against current local evidence, which is faster and more accurate than an outsourced desktop number. We take a broad range of security across Parramatta and the western corridor.

• •Residential property, from the family home to an investment unit, across Parramatta, Harris Park, and the surrounding suburbs
• •Commercial premises: offices, retail, and strata suites through the Parramatta CBD and Westmead
• •Industrial and warehouse assets at Camellia, Granville, and Rydalmere
• •Vacant land and development sites, DA approved or not
• •Property that still has a bank or non-bank loan registered on it, which we take behind as a second mortgage
• •Assets held in a company, trust, or SMSF

“Parramatta has become a serious commercial centre, and the operators here move at that speed. They are not hunting the cheapest rate, they are working to a deadline the bank cannot meet. Bring us a sound security and a clear way out, and you will have an answer the same day.”

Gino Tabila

Associate Director

Where we fund across Parramatta and the west

Parramatta sits at the heart of the western corridor we lend most actively across. We fund clients through the Parramatta CBD and Parramatta Square, the Westmead health and university precinct, Harris Park, and the industrial belt at Camellia, Granville, and Rydalmere, and out through the wider region toward Blacktown and Penrith. If your business or your security property is in Parramatta, the western corridor, or anywhere in New South Wales, we can usually move quickly.