Private Lender in Perth

When a Perth business needs cash and the timing will not wait, the bank's queue is the last place to be. A tax-office deadline, a supplier holding stock against payment, a competitor up for sale, a piece of plant that has stopped working: these move on their own clock. Secured Lending is a private, non-bank lender run from our Barangaroo base in Sydney, funding owners and investors right across Perth and the wider state. We advance from $250,000 to $10 million against property, and a clean deal can be settled within 24 hours.

Capital for the things that keep a business moving

This is general business funding, not a property loan dressed up for one purpose. Owners across the Perth metro use it to clear an ATO position, free up working capital, fund an acquisition or a partner exit, restock before a peak, or replace equipment that cannot wait for next quarter's cash flow. We secure the facility against real estate and decide on the strength of the security and your plan to repay, which is why the money can be in place while a bank is still asking for another year of figures.

• •Working capital to cover payroll, suppliers, or a slow trading stretch
• •ATO and BAS liabilities, including arrangements and director penalty notices
• •Acquisitions, partner buyouts, and management buy-ins
• •Stock and inventory ahead of a contract or a seasonal peak
• •Plant, equipment, and fit-out for trades, manufacturers, and operators
• •Refinancing a costlier short-term facility onto cleaner terms

The owners across Perth we tend to back

Our Perth book runs across the metro economy and out into the regions: trades and construction firms, small and mid-sized operators, the contractors that keep resources projects supplied, and the agribusiness and tourism owners further afield. The common thread is property to pledge and a clear way to repay.

• •Builders, trades, and subcontractors carrying retentions or waiting on progress claims
• •Owner-operators in the Kwinana, Welshpool, and Canning Vale industrial precincts
• •Suppliers and service businesses geared to the resources sector but borrowing for their own operations
• •Professional and advisory firms through the CBD, West Perth, and Fremantle
• •Wheatbelt grain and mixed-farming operations needing capital between seasons
• •South West accommodation, hospitality, and tourism operators bridging the off-season
• •Owners a bank declined on a tax position, a thin file, or multi-entity income

How we weigh a Perth deal

The assessment is short and led by the security. Five things tell us whether a facility works, and the repayment plan outweighs the rest. A loan is only ever as good as the way it is cleared, so we want that mapped before anything else.

• •The repayment plan: how and when the facility is cleared, by sale, refinance, or known incoming funds. This carries the most weight by far
• •The security and the loan against it: current value and an advance that usually sits around 70%
• •The purpose: a genuine business or investment use for the money
• •Title and ranking: clean title, and whether we hold a first or second position
• •The surrounding picture: the wider facts that make the repayment credible

What we will take as security

The funding is for the business; the property is simply what stands behind it. We lend against a broad spread of real estate across the state, each asset priced by our own valuers against current local evidence rather than an outsourced estimate.

• •A home, an investment property, or a unit anywhere across the Perth metro
• •Offices, retail, and strata suites through the CBD, West Perth, and Fremantle
• •Warehouses and industrial sheds in the Kwinana, Welshpool, and Canning Vale precincts
• •Rural and agribusiness holdings through the Wheatbelt and the South West
• •Vacant land and sites, with or without an approval in place
• •A property already carrying a bank loan, taken as a second mortgage
• •Assets held through a company, trust, or self-managed super fund

“A business owner with a sound asset and a clear way to repay should not have to wait a fortnight to find out whether a deal is alive. Show us the security and the plan, and we will tell you the same day. That certainty is worth more to most Perth owners than shaving a fraction off the rate.”

Gino Tabila

Associate Director

Where we put funding to work across the state

We back owners through the full Perth metro, from the CBD and West Perth out to Fremantle and Joondalup, down the industrial belt at Kwinana and Welshpool, and south to Mandurah. Strong security also opens the door across the regions: the grain and farming country of the Wheatbelt, the tourism towns of the South West around Bunbury and the Margaret River, and the coastal and resources centres at Geraldton, Karratha, and Port Hedland. Wherever the business or the security sits in the state, we can usually move on it quickly.