Private Lender in Sydney

Sydney carries the largest and most varied economy in the country, and the deals here move at its pace. A timing gap, a settlement, an ATO bill, or a chance to acquire something can close in days, long before a bank reconvenes its credit committee. Secured Lending sits in Barangaroo and lends from our own balance sheet, writing property-secured loans of $250,000 to $10 million for business and investment, often funded within 24 hours.

Sydney Income Rarely Fits a Single Template

The economy spans CBD finance and professional services, the Tech Central cluster around Haymarket and Eveleigh, and an SME base that runs the whole way from the Eastern Suburbs out to Parramatta and the Sutherland Shire. Much of it trades through companies and trusts, bills in cycles, or carries lumpy revenue. A bank flattens that into one serviceability score and often stops there. We weigh the property on the table and the route out instead, which is why a strong borrower a bank cannot fit is usually a quick yes for us.

• •Loans of $250,000 to $10 million, with clean files funded within 24 hours
• •Judged on the security and a believable exit, not a serviceability calculator
• •At ease with company, trust, and corporate-trustee borrowers
• •Decided in-house, so there is no committee standing between you and settlement
• •First and second mortgages taken right across the metro
• •From 9.7% p.a. over terms of 1 to 24 months, business and investment only

The People Who Call Us

Our Sydney borrowers tend to be established operators and investors who would rather lock in certainty than chase the last point on a rate.

• •Professional and advisory firms across the CBD billing through trusts and companies
• •Founders and operators in and around the Tech Central precinct managing a growth phase
• •Investors releasing equity from a holding to move on the next purchase
• •Owners settling an acquisition, a buyout, or a site under contract against a deadline
• •Businesses clearing an ATO position or refinancing expensive short-term borrowing
• •Borrowers a bank declined on the shape of their income rather than the merits of the deal

How We Weigh a Deal

The assessment is security-led and the exit matters most. A facility is only as sound as the plan to clear it, so we map that before anything else and build the rest of the picture around it.

• •The exit first: a clear, evidenced way to repay, by sale, refinance, or an incoming payment, and it outweighs everything else
• •Security and LVR: current value and the loan written against it, generally to around 70%
• •Purpose: a real commercial or investment reason for the funds
• •Title and ranking: clear title, and whether we hold a first or second charge
• •The surrounding facts that make the exit credible

Security We Lend Against in Sydney

Sydney's property market is deep across residential, commercial, and industrial, which gives us a wide range of security to work with. The funds back the business or the investment, and the property underwrites them, priced by our own valuers against live local evidence.

• •Residential holdings across the metro, from Eastern Suburbs houses to apartments and units
• •Office, retail, and strata suites through the CBD and the suburban centres
• •Industrial and warehouse stock across Western Sydney and the inner ring
• •Development land and sites, whether or not a DA is in place
• •Property already carrying a facility, taken behind it as a second mortgage
• •Assets held inside companies, trusts, or SMSFs

“Sydney moves quickly, and the borrowers who call us are not shopping for the cheapest rate. They have a clean asset, a deadline, and a bank that has gone quiet. Put the security and the way out in front of us, and you will have an answer the same day.”

Gino Tabila

Associate Director

Across the Whole Sydney Metro

From Barangaroo we fund clients in every corner of the metro, the CBD and the Eastern Suburbs, the North Shore and Northern Beaches, the Inner West, Parramatta and the Western Sydney corridor through to Penrith, and the Sutherland Shire and Illawarra to the south. Wherever the business trades or the security sits in New South Wales, we can act fast.