Private Lender in Sydney

Sydney businesses regularly need access to capital faster than any bank can provide — whether to manage a cash flow gap, clear ATO debt, fund an acquisition, or act on a time-sensitive business opportunity. Secured Lending is a Sydney-based private lender headquartered in Barangaroo, providing business loans from $250,000 to $10 million within 24 hours, secured against real property across Greater Sydney.

Why Sydney Businesses Use a Private Lender

Banks apply rigid income and serviceability tests that don't reflect how many Sydney businesses actually operate — particularly SMEs, self-employed operators, and companies with irregular revenue cycles. Secured Lending makes credit decisions based on the quality of the property offered as security and the borrower's exit strategy. The result is faster approvals, fewer conditions, and access to capital when it matters.

• •Business loans from $250k to $10M funded within 24 hours
• •Decisions based on security quality and exit — not solely credit scores or years of financials
• •First and second mortgages accepted across Greater Sydney
• •No bank committee delays — deal with decision-makers directly
• •Suitable when your bank has declined, stalled, or cannot move at your pace
• •Rates from 9.7% p.a. with flexible terms from 1 to 24 months
• •Funds can be used for any legitimate business purpose

Who We Lend to in Sydney

We work with a wide range of Sydney businesses and operators. If you have property to offer as security and a credible plan for repaying or refinancing at the end of the term, we want to hear from you.

• •SME owners needing working capital, stock funding, or short-term cash flow support
• •Business owners facing ATO payment arrangements, BAS liabilities, or director penalty notices
• •Companies completing a business acquisition, merger, or partner buyout
• •Construction and trade businesses bridging between project phases or managing subcontractor payments
• •Self-employed operators with strong assets but non-standard income documentation
• •Businesses refinancing expensive short-term debt onto a better-structured facility
• •Companies declined by banks due to credit history, ATO debt, or income complexity
• •Property developers needing pre-construction or site acquisition funding

Property We Accept as Security in Sydney

The loan is for your business — the property is what secures it. We accept a wide range of Sydney property as collateral, assessed by our in-house valuers against current market evidence.

• •Residential property — the family home, an investment property, or a unit across Greater Sydney
• •Commercial premises — offices, retail space, and strata suites in the CBD and suburbs
• •Industrial and warehouse assets in Western Sydney and the inner ring
• •Vacant land and development sites, with or without DA approval
• •Second mortgage positions behind an existing bank or non-bank facility
• •Properties held within companies, trusts, or SMSFs

Business Lending Across Greater Sydney

Our team operates from Barangaroo and funds businesses across the full Sydney metro area — Eastern Suburbs, Lower and Upper North Shore, Inner West, Parramatta CBD, and the Western Sydney growth corridor through to Penrith. We also cover the Northern Beaches, Sutherland Shire, and the Illawarra for the right deal. If your business or security property is in New South Wales, we can move quickly.

Secured Lending also funds businesses in Melbourne and Perth — and nationally across Australia. See our Private Lender Australia overview for the full picture of who we lend to.