Private Lender in Western Sydney

Western Sydney is the freight and manufacturing engine of the country, and the deadlines here belong to the worksite and the loading dock, not the credit committee. A progress claim that has not landed, an ATO bill, a block to settle in the Aerotropolis corridor, or a truck that has to be on the road next week will not wait three weeks for an answer. Secured Lending is a non-bank lender run from Barangaroo. We write property-secured loans from $250,000 to $10 million across the growth corridor, from Blacktown and Penrith through Liverpool and Campbelltown, and a clean file can settle inside 24 hours. We lend for business and investment only.

How a Western Sydney deal moves through our desk

Five things decide a file, and the exit sits above the rest. A loan is only as sound as the way it gets repaid, so we want that route clear before we look at anything else.

• •The exit first: a real, evidenced way to clear the loan, whether by sale, a refinance to a bank, or a known payment such as a progress claim or land settlement. Nothing matters more
• •Security and LVR: the current value of the property and how much you are drawing against it, generally up to about 70%
• •Purpose: a real business or investment use for the money, from plant to a land settlement
• •Title and ranking: a clean title, and whether we register a first or a second mortgage over it
• •The wider read: the surrounding facts that make your repayment plan stack up

Why lumpy revenue trips up a bank but not us

A builder paid on progress claims, a carrier whose invoices move with the contract, a manufacturer with seasonal orders, a developer carrying a site until it sells: none of them earn in the smooth monthly line a bank serviceability model wants to see. So the bank says no, or stalls until the opportunity is gone. We read the deal differently. The property on offer and a credible plan to repay carry the decision, which is why an operator the bank cannot fit is often a fast yes from us.

• •Loans of $250,000 to $10 million, clean deals funded within 24 hours
• •Weighed on the property and the way out, not a serviceability calculator or a stack of clean financials
• •First and second mortgages taken across Western Sydney and the wider metro
• •Approved in-house, with no external credit committee slowing the file
• •A fit when a bank has declined, gone quiet, or simply cannot move at your speed
• •Rates from 9.7% p.a. over terms of 1 to 24 months
• •Available for any legitimate business or investment purpose

The operators we back out west

Our Western Sydney book runs heavily to family-owned firms that own their shed or yard and want certainty against a deadline rather than the sharpest rate on the page.

• •Builders and trade contractors covering wages and materials between progress claims
• •Transport, logistics, and warehousing operators funding trucks, fit-out, or new premises
• •Manufacturers needing working capital, stock funding, or plant and machinery finance
• •Land developers settling a site or holding it through the Aerotropolis pipeline
• •Owners carrying an ATO payment plan, an outstanding BAS, or a director penalty notice
• •Self-employed operators with strong property but income drawn through a company or trust
• •Investors completing a commercial or industrial purchase against a settlement date

“Out west the deals are about the dock and the worksite. A carrier with trucks to fund, a builder waiting on a claim, a developer holding a block near the airport. They own real property and they have a deadline a bank cannot meet. Show me the security and the way out, and you will have an answer that same day.”

Gino Tabila

Associate Director

The sheds, yards and sites we take as security

The funds back the business or the investment, and the property is what secures them. Our own valuers price each asset against current Western Sydney evidence, which is quicker and more reliable than an outsourced desktop figure.

• •Warehouse and distribution sheds across Wetherill Park, Smithfield, Eastern Creek, Erskine Park, and Prestons
• •Residential security, from the family home to an investment unit, through Blacktown, Penrith, Liverpool, and Campbelltown
• •Commercial premises: offices, showrooms, and strata suites across the regional centres
• •Vacant land and development sites in the Aerotropolis growth corridor near Badgerys Creek, with or without a development approval
• •A second mortgage sitting behind an existing bank or non-bank loan
• •Property held in a company, a trust, or an SMSF

Where we lend across the growth corridor

From our Barangaroo office we fund clients the length of Western Sydney: the regional centres at Blacktown, Penrith, Liverpool, and Campbelltown, the industrial and logistics estates at Wetherill Park, Smithfield, Eastern Creek, Erskine Park, and Prestons, the Moorebank intermodal terminal, and the land pipeline around the new Western Sydney International Airport at Badgerys Creek. We back transport and logistics, construction and trades, manufacturing, land development, and the family businesses that own the sheds and yards behind them. If the business or the security sits in Western Sydney, we can act quickly.