Application Guide

We understand the process of looking for finance can be extensive and confusing.

We aim to make the application process with Secured Lending as simple as possible, that’s why we have summarised below the high-level information we require to complete our initial assessment.

What We Need From You

At bare minimum, we require the following information and documents:

Information required

  • What are the reasons for funds?
  • How long do you need the loan for?
  • How much do you need?
  • Rate expectations
  • Exit strategy
  • Proposed security and is it owner-occupied.

Documents required

  • Asset & Liability position
  • Drivers License
  • Application Form
  • Trust Deed (if required)
  • Contracts for Sale (if applicable)
  • Confirmation deposits are being held in trust account (if property has been sold).

Part-Completed Developments

Part-completed developments are complex in nature and require additional information.

The below list is not exhaustive, however, it will give us enough guidance to assess the scenario:

Information required

  • Copy of the Permit Approval/DA Consent
  • Copy of the Stamped and Approved Plans
  • Summary of the works completed to date
  • Breakdown of costs and time to complete the project from the builder
  • Latest QS Report
  • Last inspection report from the private/council certifier
  • Summary of the presales achieved to date, detailing the following information:
    1. Deposit amount
    2. Held in-trust
    3. Purchaser name
    4. Date of exchange
    5. Sunset date
    6. Any special conditions


We pride ourselves for our speedy and thorough initial due diligence of the loan application.

We strive to review and provide a response to all applications within a couple of hours; however, this period may be longer depending on the complexity of the scenario (i.e., part complete construction sites, multiple property securities)

We have taken away the time delays typically found in this industry which allows us to assess and settle loans in 24 hours.

The two things that slow down a short-term loan deal that are outside the borrowers control are valuers and 1st mortgagees so you need to know the lender’s process for each.

Many lenders say they can fund in 24 hours but if their process is conditional on external valuations, this is virtually impossible.

Unlike most other short term lenders, we have an expert property team who complete all our valuations in-house prior to a formal offer being provided. This allows us to deliver term sheets that aren’t contingent on an external valuation being completed.

Check out our process: Lending Process

Check out our Application Guide which will tell you all the information we require to assess the loan application, at approval phase and when you meet with your solicitor.

We can offer $250k to $45M, however, it really is dependent on the scenario and exit strategy.  Check out our Products or our  Cheat Sheet for further details.

We assess each deal on a case by case basis and on their individual merits.

If you have a scenario you want us to consider, contact us now.

Short term loans are used by borrowers to meet funding needs where a mainstream lender can’t assist. This could be due to inability to meet the funding deadline, limitations on loan purpose or the current business status and trading activity.

Some of the most frequent uses of short-term finance include:

  • Cash flow difficulties and/or timing
  • Business growth and opportunities
  • Urgent settlements
  • Partly completed developments
  • Outstanding tax payments
  • Working Capital.
Yes, all our loans are secured by registered mortgages and/or caveats. We also take a GSI over the Borrowing entity.

Yes, check out our Cheat Sheet for the costs associated with our loans

Yes, we do. Check out our Caveat Finance and our other products to see how Secured Lending can help. 

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