Private Lender Australia

Yes. We can refinance the lender out after it has appointed a receiver, because we lend our own funds and decide on the property, a loan within 70% of its value and a dated plan for repaying us. We funded a $3.685 million loan that repaid a lender in this position, and the owner then sold the property on their own terms. Send us the lender's written payout figure, including the receiver's costs to a set settlement date. What repaying the lender means for the receiver's appointment is a question for insolvency specialists. We do not give insolvency advice, but we can connect you with insolvency specialists in our network.

• →$3.685 million to repay a lender that had appointed a receiver

Ask each one directly, in writing, and ask who makes the final credit decision. A lender that places your loan with a funder, or draws on a facility from a bank, has another party that can still say no after you have been told yes. Secured Lending lends its own funds and makes the credit decision in-house. Once terms are agreed, a letter of offer is issued, so there is no second approval waiting behind ours.

The letter of offer and a dated exit. The letter of offer sets out the loan in writing, so your accountant can read it alongside the sale or refinance that repays the $600,000 at the end of six months. Our rates start from 9.7% p.a. on a first mortgage and terms run from 1 to 24 months. The business is the borrower and the office property secures the loan. Have your accountant and your solicitor read the offer before you sign it.

No. A live ATO tax debt listing is not, on its own, a reason we decline. We assess the property that would secure the loan, the equity inside our 70% maximum loan-to-value ratio, and how the loan is repaid. Send us the property address, its approximate value, what is owing against it and the amount your client needs, and we can give you a decision within hours.

• →tax debt loans

Yes. We lend Australia wide, including in Sydney, Melbourne, Brisbane, Perth, Adelaide and Canberra, and the security property does not have to be in the same city as the business. The business would be the borrower and your Brisbane unit would be the property that secures the loan. Our in-house valuation team assesses the unit, so its location does not add an outside valuer to the timeline.

The exit, in writing, before you sign. Every loan we write is repaid by the borrower through a defined exit, such as the sale of a property or a refinance to another lender, and the term is set to match the timing of that sale or refinance. Terms run from 1 to 24 months, and most are 3 to 6 months. If the sale is not yet contracted, allow enough time in the term for it to be listed, sold and settled, and tell us early if that timing starts to move.

• →private mortgage exit strategies

Ask who values the property, and when. A 24 hour settlement is rarely possible when the offer depends on an outside valuer who has not yet been booked. Secured Lending has an in-house property valuation team, makes decisions within hours and settles within 24 hours on qualifying deals, so our settlement time does not depend on an outside valuer being available.

• →how to test a fast funding claim

It can. We assess the property that secures the loan, the equity inside our 70% maximum loan-to-value ratio and how the loan is repaid, rather than requiring a set number of years of trading. The company would be the borrower and the director's property would secure the loan. What we need to see is a documented exit, such as a property sale or a refinance, that repays the loan within its term.

Yes, where the property and the exit support it. We lend our own funds and value the property in-house, so we can assess a deal another lender has left late, and settle within 24 hours on qualifying deals. Send us the property details, the settlement date, the amount and the exit, and tell us what the other lender had already asked for, so you are not asked for the same documents twice.

• →a $4 million settlement after the original lender pulled out

Yes. Our terms run from 1 to 24 months and most loans are written for 3 to 6 months, so three months to cover the time until a bank refinance settles is a normal use. The bank's approval is the exit, so send it with the deal, even if it is still conditional. If the bank approval is delayed, talk to us before the three months are up.

The rate, the term, the maximum loan-to-value ratio, the costs payable whether or not the loan settles, and who values the property. Our rates start from 9.7% p.a. on a first mortgage and 11.95% p.a. on a second mortgage, with a 70% maximum loan-to-value ratio across all mortgages. Ask every lender, including us, which costs become payable if the loan does not proceed, and get the answer in writing before you sign anything.

• →what to read in a term sheet

A private lender is a non-bank entity that provides loans using its own capital, without the institutional processes, credit committees, or regulatory constraints that govern banks. Secured Lending uses its own funds to lend, which means faster decisions, fewer conditions, and settlement in as little as 24 hours. No bank can match that for secured commercial finance.

For clean deals, meaning clear title, strong security and a credible exit strategy, we can fund within 24 hours of receiving a signed loan agreement and conditions being satisfied. First and second mortgage loans up to $10 million have been settled within 24 hours from initial enquiry to funds in account. Complex deals requiring valuation and extended legal review may take 2–5 business days.

We accept a broad range of Australian property as security, including residential homes, investment properties, commercial premises, industrial assets, vacant land, and development sites. Properties held within company, trust, or SMSF structures are also acceptable where the title and structure are in order. A registered mortgage over real property is always required.

Yes. Many of our clients are borrowers who have been declined by banks or cannot meet standard credit requirements: self-employed applicants, borrowers with ATO debt, those with previous defaults, or those who need to move faster than a bank can assess. We evaluate the quality of the security and the borrower's exit strategy. If the deal makes commercial sense, we can generally find a way to proceed.

Loan terms range from 1 to 24 months, with most loans structured for 3 to 6 months. Interest rates start from 9.7% per annum depending on loan type, security, LVR, and deal structure. Loans are available from $250,000 to $10 million, secured by a first or second registered mortgage over real property. All loans are structured as interest-only, with capital repaid on exit.

Sometimes, and it is worth being clear about that before you borrow. A short-term facility repaid on time helps, but it does not erase listed defaults. Where a bank exit is not realistic, the exit needs to be a sale, an incoming settlement, or a refinance to another non-bank lender. We would rather test that at the start than find out at month five.

Yes. We have a page for each common deadline, from a bank that withdrew before settlement to a director penalty notice, setting out what we fund and what to send us.

• →urgent short term loans