⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Private Lender for Business Loans in Australia
When banks say no, we structure the deal.
Specialists in complex lending and strategic finance.
- Finance within 24 hours
- Loans of $250k to $10 Million
- Rates from 9.2% p.a
- 1-24 months terms
Private Commercial Lender Based in Sydney
When you need funding that moves at the speed of business, working with a private lender in Australia gives you direct access to fast, flexible capital without the delays, rules, and rigid criteria of the banks.
Secured Lending is a non bank lender and private lender for commercial loans, based in Barangaroo, Sydney, funding clients across Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding areas.
We specialise in commercial lending backed by real property, with faster approvals, clearer answers, and practical solutions that match real business timeframes.
Why Work With a Private Lender?
Banks take weeks. Their requirements are strict. Most commercial operators don’t have that luxury.
As a non bank lender, we offer:
Fast decisions
Flexible credit criteria
Higher approval likelihood
Larger loan amounts backed by property
Custom structures for short-term and urgent commercial needs
Our secured loans suit:
Business owners with property equity but inconsistent cash flow
Companies needing larger, time-sensitive funding
Borrowers with complex backgrounds or adverse credit
Commercial borrowers needing bridging, tax payments, supplier payments, equipment or stock funding
We structure loans as first mortgages, second mortgages, or caveat loans, depending on urgency and asset position.
What Property Can Be Used as Security?
Most commercial borrowers secure their loan against real property. We lend against:
Equity in the family home
Investment properties
Commercial properties and business premises
Vacant land
Development sites
We also accept property held in companies and trusts. If the title is clean and the equity is there, there is usually a solution.
Fast, Flexible Lending — Decisions in Hours
As a leading private lender for commercial loans in Australia, we understand that timing can make or break a deal. That’s why our process is direct and fast.
We offer:
Loan amounts: $250,000 to $10 million
LVRs: Up to 75%
Terms: 1–24 months
Repayments: Interest-only (paid in advance or capitalised)
Approvals: Often the same day
Settlements: As fast as 24–72 hours for qualifying deals
We’re a non bank lender that often says yes when traditional lenders say no.
Case Studies & Success Stories
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Work Directly With a Specialist Private Lender
Secured Lending is direct, transparent, and fast. No call centres. No delays. No generic assessments.
We provide:
A clear path to commercial funding
Real-world valuation and development experience
Straight answers without the back-and-forth
Solutions tailored to your timeframe and purpose
Access to decision-makers, not middlemen
We also work closely with brokers, accountants, and advisers across Australia. If you’re helping clients secure commercial finance, we welcome the collaboration.
Frequently Asked Questions
We move quickly because we assess deals based on the property security and the exit strategy—not endless paperwork.
If valuation access is immediate and the documentation is clean, we can settle in 24–72 hours. Many borrowers receive an approval the same day they enquire.
We lend against residential, commercial, industrial, land, and development sites.
We can also cross-secure multiple properties if needed. As long as the equity is strong and the title is clear, we can usually find a solution.
Yes. We are a non bank lender, which means we don’t assess the same way banks do.
Our decision is based on the security, the loan purpose, and the exit strategy—not on historical credit problems. We regularly fund borrowers with ATO debt or complex financial backgrounds.
Yes. We frequently lend against assets held in companies, trusts, and SMSFs.
As long as the correct authority documents are provided, structure is not a barrier.
Our assessment is simple. We typically need:
Property address and ownership details
Required loan amount and timing
Loan purpose
Exit strategy
Company/trust documents (if relevant)
We don’t require years of financials or extensive trading history.
Yes. Many clients come to us when a bank or lender can’t meet timelines.
We step in quickly for:
Expiring loan terms
Urgent refinance
Arrears or default pressure
Time-sensitive commercial opportunities
Our internal valuation capability helps speed up the process.
No. While we are based in Barangaroo, Sydney, we fund clients Australia-wide across Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding regions.
We also consider regional areas depending on the asset and scenario.
Banks rely on strict credit scoring, income verification, and long approval processes.
A private lender focuses on the property security, equity, loan purpose, and exit strategy, allowing for faster approvals and far more flexibility. Private lenders fund deals banks reject due to timing or criteria—not risk.
All private lenders are non-bank lenders, but not all non-bank lenders are private.
A non-bank lender could still operate with bank-like systems and slower approvals.
A private lender uses its own capital or wholesale funding, allowing direct decisions, customised loan structures, and rapid turnaround that large non-bank institutions often can’t match.
Speed and flexibility.
Commercial borrowers often face tight deadlines—settlements, tax obligations, supplier payments, cash flow gaps, or development milestones.
Private lenders can approve and settle loans in 24–72 hours, which can be the difference between completing or losing a deal.
Yes, usually—but for a reason.
You’re paying for speed, reduced paperwork, and higher approval likelihood.
For borrowers facing time-sensitive opportunities or bank declines, the trade-off makes commercial sense—especially when the funding preserves or unlocks profit.
No.
Private lenders primarily assess:
Property equity
Loan purpose
Exit strategy
Title details
Some may request supporting documents depending on the scenario, but the process is significantly lighter than banks.
Yes. Private lenders focus on the asset, not the past.
If there’s strong security and a clear plan to exit the loan, credit issues, ATO arrears, or defaults are generally not barriers.
No.
Private lenders primarily assess:
Property equity
Loan purpose
Exit strategy
Title details
Some may request supporting documents depending on the scenario, but the process is significantly lighter than banks.
Most private lender loans are short-term, usually 1–24 months.
They’re designed to solve immediate funding needs—then exit into a bank loan, a sale, or another liquidity event.
Some private lenders may consider longer terms, but the space is generally built around speed and short-term commercial finance.