Industrial property has become one of the highest-demand commercial asset classes in Australia, particularly in established urban corridors around Sydney, Melbourne, and Brisbane. That demand creates a transaction dynamic where deals move fast. Vendors do not hold for bank approval timelines. Off-market acquisitions come and go in days. Auction clearance rates mean unconditional buyers with finance in place win the asset. Standard bank commercial processing, typically 8 to 12 weeks, does not fit that reality.
Who This Is For
- •Manufacturers, logistics operators, distributors, and trades businesses purchasing their own facilities
- •Commercial property investors building industrial portfolios in high-demand corridors around Sydney, Melbourne, and Brisbane
- •Borrowers who need to move quickly on an acquisition where bank timelines of 8 to 12 weeks are not compatible with the deal
- •Borrowers who have been declined due to entity structure, settlement timing, or reduced lender appetite for the asset class
- •Available to Pty Ltd companies, family trusts, and SMSFs — not available to individuals in personal name or for residential property or consumer lending
How Industrial Property Loans Work at Secured Lending
Submit your scenario with the property address, purchase price or refinance amount, borrower entity type, and intended exit. Our credit team reviews it the same day. For straightforward industrial deals (clear title, credible LVR, defined exit), an indicative yes can come within hours.
Our in-house valuation team assesses the industrial property concurrently with credit underwriting. We do not wait for a valuation before starting credit work. Once terms are agreed, a letter of offer is issued within 24 hours and legal documentation moves immediately. Settlement from 24 to 72 hours is achievable for clean deals.
The standard exit for industrial property loans is refinance to a long-term commercial mortgage with a bank or specialist non-bank lender. We are the fast bridge that secures the asset while that process runs at its own pace.
Three Industrial Property Scenarios We Have Recently Helped
A logistics company operating as a Pty Ltd had leased a 2,400sqm warehouse in Western Sydney for five years. The landlord decided to sell and gave the company first right of refusal with a 30-day settlement window. The company's bank had a 10-week commercial processing timeline. We assessed the property and settled in four days. Loan: $3.2 million, first mortgage, 64% LVR. The company refinanced to its bank nine months later.
A family trust with an existing commercial portfolio identified a light industrial strata unit in Melbourne's north-west. The tenant was a trade supplier on a three-year lease at a strong yield. The bank declined on entity structure: the trust operated with a corporate trustee and the bank's assessment model required individual guarantors only. Loan: $840,000, first mortgage, 67% LVR.
A Pty Ltd company and its related SMSF were simultaneously purchasing adjacent strata units in an established industrial complex. The company needed its operating warehouse; the SMSF was acquiring the adjacent unit as qualifying business real property. Two separate loan structures, assessed and settled together. Combined lending: $2.1 million across both facilities, settled in five days.
"Industrial property has proven itself as one of the most resilient commercial asset classes in recent years, and lenders who understand that dynamic are well positioned to support acquisitions at pace. We regularly finance industrial purchases where the competition is strong and the vendor wants certainty of settlement over a short timeline. A logistics facility or warehouse in the right location is exactly the type of security we are comfortable with."
Gino Tabila
Associate Director
Why a Private Mortgage Lender Wins on Industrial Deals
As a private mortgage lender, Secured Lending operates entirely outside the standard bank credit framework. There is no serviceability model that penalises trust distributions or company retained earnings. No LMI requirement. No credit scoring threshold that treats corporate entity types as friction. The assessment is asset-first: is the industrial property solid security at the LVR requested? Is the exit strategy credible? Is the borrower structure sound? Those three questions drive the credit decision — not a 47-page bank application.
We hold direct credit authority for industrial property assessments. In-house valuers run concurrently with underwriting. No external committee. A complete enquiry today receives an indicative credit position today. For industrial acquisitions where settlement timing is the competitive variable, this is what makes the difference between winning and losing the deal.
Our Loan Solutions
| Loan Type | Best used for |
|---|---|
| First Mortgage | Clean purchase or refinance over the commercial property — highest loan amounts, lowest rates. |
| Second Mortgage | Access equity behind an existing mortgage without refinancing the first. |
| Caveat Loan | Fastest equity access — registered as a caveat, not a mortgage. Settled in hours. |
| Debt Consolidation | Combine multiple business debts into one secured facility. |
| Bridging Finance | Complete settlement now while permanent finance is arranged. |
| Emergency Finance | Urgent capital for ATO debt, winding-up applications, or time-critical situations. |
| Refinance | Replace an existing loan that is maturing, under pressure, or no longer working. |
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
