Non-Bank Commercial Private Finance

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.

Industries

Industries We Service

ConstructionAgricultureHospitalityProperty DevelopmentManufacturingTransport and WarehousingRetailWholesale and DistributionReal Estate and Property InvestorsProfessional and Medical Services

A non-bank commercial lender for builders and contractors

A serviceability model reads a builder's income as lumpy and therefore risky. It is neither. It is a progress claim cycle, and the money is contracted, certified and owed. As a non-bank lender we assess the security and the exit rather than a twelve month average of an income that was never meant to be even.

We lend our own funds under our own credit authority, so a construction file does not have to survive a policy written for salaried borrowers. Retentions, variations and a slow certifier are things we can read, and they are the reason a bank file often stalls.

A non-bank commercial lender can help you:

• Be assessed on a certified claim rather than a serviceability average
• Borrow when two lean quarters sit inside an otherwise strong year
• Have retentions and variations understood rather than penalised
• Get an answer from the people who make the credit decision
• Avoid a policy written for borrowers with even monthly income
• Fund a job that a credit committee would still be reviewing

→Private lending for Construction

Construction+

A serviceability model reads a builder's income as lumpy and therefore risky. It is neither. It is a progress claim cycle, and the money is contracted, certified and owed. As a non-bank lender we assess the security and the exit rather than a twelve month average of an income that was never meant to be even.

We lend our own funds under our own credit authority, so a construction file does not have to survive a policy written for salaried borrowers. Retentions, variations and a slow certifier are things we can read, and they are the reason a bank file often stalls.

A non-bank commercial lender can help you:

• Be assessed on a certified claim rather than a serviceability average
• Borrow when two lean quarters sit inside an otherwise strong year
• Have retentions and variations understood rather than penalised
• Get an answer from the people who make the credit decision
• Avoid a policy written for borrowers with even monthly income
• Fund a job that a credit committee would still be reviewing

→Private lending for Construction

Agriculture+

Hospitality+

Property Development+

Manufacturing+

Transport and Warehousing+

Retail+

Wholesale and Distribution+

Real Estate and Property Investors+

Professional and Medical Services+

"Non-bank commercial lending comes down to credit judgement rather than rigid policy, and that is where we can add real value. On the right asset we can hold a higher LVR position, structure interest capitalisation where cash flow needs it, and settle within the same week when timing is tight. That flexibility is hard to find inside a standard bank credit model, and it is what we are built for."

Gino Tabila

Associate Director