Private Lender in Perth

Perth's resources and construction sectors generate businesses that need fast capital — often with income that's real but difficult to document through standard bank channels. Secured Lending provides business loans from $250,000 to $10 million, funded within 24 hours, secured against Western Australian property. We assess the security and the exit strategy, not the complexity of your income structure.

Why Perth Businesses Use a Private Lender

Mining contractors, FIFO workers, trade businesses, and project-based SMEs often find that banks can't assess their income accurately — particularly if revenue fluctuates between contracts or is structured through trusts and companies. Secured Lending takes a different view: if the property equity is there and the exit is credible, we can fund where banks won't.

• •Business loans from $250k to $10M, funded within 24 hours
• •Suitable for resources-sector businesses, contractors, and project-based SMEs
• •Credit decisions based on property security and exit — not two years of standard financials
• •First and second mortgages across Perth residential, commercial, and land
• •No bank committee delays — deal directly with decision-makers
• •Rates from 9.7% p.a. with terms from 1 to 24 months
• •In-house property valuers with knowledge of the WA market

Who We Lend to in Perth

We work with Perth businesses, operators, and investors across industries. If you have WA property as security and a clear exit strategy, we move quickly.

• •Mining contractors and FIFO workers with strong assets but non-standard income histories
• •Resources-sector business owners needing capital between contracts or project cycles
• •Business owners facing ATO debt, BAS liabilities, or director penalty notices
• •SMEs needing working capital to take on a large contract or bridge a cash flow gap
• •Companies completing business acquisitions or partner buyouts that need to settle quickly
• •Self-employed borrowers whose tax returns don't reflect current business capacity
• •Companies declined by banks due to income complexity, ATO debt, or credit history
• •Property developers in Perth's growth corridors needing land acquisition or pre-construction bridging

Property We Accept as Security in Perth

The loan is for your business — the property is the security. We lend against a broad range of WA property types, assessed by our in-house valuers against current market evidence.

• •Residential property across the Perth metro — houses, apartments, townhouses
• •Western suburbs prestige residential in Cottesloe, Dalkeith, Nedlands, and surrounds
• •Commercial property in the Perth CBD, West Perth, and Fremantle
• •Industrial and trade assets in Perth's established industrial corridors
• •Land and development sites in outer corridors including Ellenbrook, Alkimos, Baldivis, and Byford
• •Second mortgage positions assessed against combined LVR and existing encumbrances

Business Lending Across Perth and Regional WA

We lend across the full Perth metro area and consider lending in regional WA — including Karratha, Port Hedland, Geraldton, and Bunbury — where security quality supports the deal. Regional WA properties tied to a single employer or commodity are assessed conservatively. If your business or property is in Western Australia, contact us directly and we'll give you a clear answer quickly.

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