★★★★★ Trusted by 400+ Australian businesses

Non-Bank Commercial Lender

Smart commercial loans without the delays

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Experts in strategic, short-term finance

Finance within 24 hours
Loans of $250k to $10M
Rates from 9.7% p.a.
1–24 months terms

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$500M+ in loans settled

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How much does your business need?

Borrow from $250K to $10M+

No credit check. No obligation.

Non-Bank Commercial Lender

Secured Lending is a non-bank commercial private lender based in Barangaroo, Sydney, funding clients across Melbourne, Brisbane, Perth, Adelaide, Canberra, and select regional areas. We provide property-backed commercial loans with fast approvals, minimal paperwork, and settlement in as little as 24–72 hours for qualifying deals.

What Is a Non-Bank Commercial Lender?

A non-bank commercial lender operates outside the traditional banking system. We assess the deal based on property security, equity position, loan purpose, exit strategy, and timing requirements. This approach gives borrowers more flexibility, faster decision-making, and higher approval likelihood — especially in urgent or complex situations where banks say no.

Why Businesses Work With a Non-Bank Commercial Lender

  • Speed — banks can take weeks or months; we approve and settle fast, often within 24–72 hours
  • Flexibility — no rigid rules, credit scoring models, or years of financials required; if the security is strong and the exit strategy makes sense, we can usually fund the deal
  • Practical lending — our loans are structured for real-world scenarios: bridging, settlements, cash flow gaps, tax obligations, supplier payments, development requirements, and urgent opportunities

Commercial Loans We Offer

  • Commercial business loans and working capital facilities
  • First mortgages and second mortgages
  • Caveat loans
  • Short-term commercial bridging loans
  • Commercial property loans
  • Developer and investor funding (selected scenarios)

Work Directly With a Specialist

Secured Lending is direct, transparent, and fast — no call centres, no delays, no rigid bank-style assessments. We provide clear, practical paths to commercial funding with real valuation and property development experience, straight answers without the back-and-forth, and direct access to decision-makers.

Frequently Asked Questions

Non-bank lenders don't rely on rigid credit scoring or long approval pipelines. Decisions are based on security, equity, loan purpose, timeline, and exit strategy — allowing deals that banks can't or won't consider.

Yes. Non-bank lenders place more weight on asset strength than historical paperwork. If the property security and exit strategy stack up, past credit issues rarely block approval.

Pricing reflects speed, flexibility, and risk. Rates are usually higher than banks, but the trade-off is immediate access to capital when the timing is critical, or when banks can't meet the borrower's situation.

They're usually 1–24 months, designed to bridge a timing gap — refinancing, settlements, development milestones, or cash flow recovery. The aim is to solve the short-term problem, then exit back to a bank or liquidity event.

Yes. We regularly step in for urgent refinances, including expiring bank terms, default notices, arrears pressure, and forced-sale situations. We act fast to prevent borrowers from losing control of their assets.

Our loans are interest-only, often paid in advance or capitalised to reduce cash-flow pressure. This structure helps businesses stabilise operations without taking on large monthly commitments.

No. While headquartered in Barangaroo, Sydney, we fund borrowers across Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding metro and regional areas. We're a national non-bank commercial lender.

Secured Lending team
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$500M+ funded

Get an indicative offer within hours, not weeks.

No credit check. No obligation.

Why Secured Lending?

Australian private lender — $500M+ funded
We use our own funds for fast decisions
24-hour settlements up to $10M
Rates from 9.7% p.a. | Terms 1–24 months
Expert
Expert
Expert
$500M+ funded

Get an indicative offer within hours, not weeks.

No credit check. No obligation.

Why Secured Lending?

Australian private lender — $500M+ funded
We use our own funds for fast decisions
24-hour settlements up to $10M
Rates from 9.7% p.a. | Terms 1–24 months

Our Loan Solutions

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