Car Dealership Premises: Urgent Short Term Loans Separate From Your Floor Plan

Buy or upgrade the premises on time, with your floor plan left as it is

Experts in strategic, short-term finance

Rated 5 out of 5Jason V

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

Dealerships often face deadlines set by a manufacturer or a landlord: a manufacturer's facility standards, a landlord selling the site, a franchise that moves to a new location. When the bank cannot meet the date, we can fund the premises in as little as 24 hours.

We lend on dealership premises across Australia, including showrooms, workshops and yards on real property. Our loan is separate from your floor plan, which stays with its own lender. Vehicles, parts stock and the dealer agreement are never the security.

Why dealership premises take longer to finance

•Showrooms and workshops are specialised buildings
•The bank's appetite can depend on your floor plan lender
•Trading can be uneven, and banks want several years of figures
•A manufacturer's upgrade is paid for before any extra sales come from it

When dealers call us

•The manufacturer requires a showroom refurbishment or fit-out by a set date
•The landlord is selling the premises you lease
•The franchise is moving, and new premises are needed
•The business has an ATO debt or an expiring loan
•You want to release equity in the premises without touching the floor plan

Motor dealer licensing

In NSW, a motor dealer licence is needed to buy, sell or exchange motor vehicles as a retailer or wholesaler. Licensing rules differ between states, and your lawyer can confirm what applies when premises or a business change hands.

Funding dealership premises

Enquiry. Send the contract or the manufacturer's requirements, and details of the premises. Terms can be back within hours.
Valuation. Our valuers inspect the premises.
Floor plan check. We confirm any consent your floor plan lender needs before you sign.
Settlement. Settlement can take place within 24 hours of signing, with no change to your floor plan.

What dealers send us

•The contract of sale, or the manufacturer's facility requirements
•Details of your floor plan facility and lender
•Recent financial statements
•The property you can offer
•Your refinance plan

Which loans suit dealership premises

•First mortgage: over the dealership premises
•Second mortgage: behind your bank loan, leaving the floor plan untouched
•Bridging loans: to move into new premises before the current ones are sold
•Secured business loans: a lump sum at settlement for a showroom refurbishment

Dealership premises loan terms

Loan feature	Detail
Loan size	$250,000 to $10,000,000
Interest rate	From 9.7% p.a. (first mortgage), from 11.95% p.a. (second mortgage)
Term	1 to 24 months, interest only
Maximum LVR	70% of the lower of the assessed value and the price on a purchase, or of value on a refinance
Security	A first or second mortgage over the premises or other property. Never vehicles, stock or the dealer agreement
Settlement	From 24 hours

Refinancing dealership premises

Dealers usually repay us with a bank loan once a purchase or upgrade is complete, or through a sale and leaseback of the premises.

“We lend on the premises or other property the dealer owns, and the floor plan stays with its own lender. A manufacturer's deadline or a landlord's sale can then be met without changing how the vehicles are financed. Send us the manufacturer's requirements or the contract, and we will tell you what we can do.”

Gino Tabila

Associate Director

Frequently Asked Questions

No. Your floor plan stays with its own lender, and our loan is separate from it. We ask about the floor plan because its lender may need to know about a new mortgage over the premises.

Yes. We can fund the refurbishment or fit-out as a lump sum at settlement, within 70% of the premises' value. Progress payments to a builder are not something we fund. Send the manufacturer's requirements and the quote with your enquiry.

Yes. Buying the site you lease removes the risk of a new owner or a rent review, and we work to the landlord's timetable.

No. Vehicles, parts stock and the dealer agreement are never the security. We lend only on real property.

It may, depending on the security it holds over the business. Check your floor plan agreement, and we will work with your floor plan lender if its consent is needed.

Yes. Selling the premises to an investor and leasing them back is one way to repay us, and it releases the capital held in the property.

Same-day funding is possible for a premises purchase, depending on your scenario. If the manufacturer's deadline is months away, calling early lets us value the premises and agree terms well before it.

Yes. We lend for working capital to dealerships, retailers and transport businesses, including staff, marketing and workshop costs. It sits alongside your floor plan, not in place of it.