Secured Lending

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Sydney, NSW
Secured Lending

Secured Lending focuses on fast and short term funding solutions for businesses of all sizes. Our rates start at 1% per month for terms of 3-12 months

We can settle 1st and 2nd mortgage loans, as well as caveat facilities up to $10m within 24 hours.

04/08/2025

$1.1M settled in under 72 hours. No red tape. No delays. Just the funding, fast.

An experienced property developer came to us recently—frustrated and fed up. He had multiple projects on the go, but one thing was holding him back: slow funding.

He knew he would be waiting weeks for progress payments if he got funding from the banks. Chasing paperwork. Explaining the same things over and over.

So he came to us, looking for speed—and certainty.

Using the equity in an existing property, we secured a $1.1M cash-out loan to help fund his Granville duplex development.

From application to settlement: less than 72 hours.

That speed meant:

- Subbies will be paid on time
- Materials ordered without delay
- Build progressed at pace, without compromise

This is where short-term lending fits in. When experienced developers need fast funding without the drama—this is what we’re here for.

If that sounds like where you're at, let's talk.

Secured Lending – fast, flexible funding when you need it most.
[email protected]
1300 795 175

08/05/2025

Recently facilitated a complex financing solution for a client facing a significant $800,000 tax debt. The client intended to satisfy this debt through the sale of a commercial property, however, their initial strategy involved enhancing the property's value by renegotiating the existing lease agreement.

However, the urgency of the outstanding tax liability needed to be resolved and there wasn't enough time to implement this value-add strategy. The client approached Secured Lending with a short term bridging loan to address the immediate debt.

We were able to provide a 12-month bridging loan, secured by a first mortgage over their commercial property located in Bentleigh, Victoria. We successfully funded the loan within 72 hours, enabling the client to discharge the $800,000 tax debt.

It's these kinds of situations that remind you how crucial it is to be able to move quickly in property finance. Sometimes, having that short-term bridge can make all the difference when time's not on your side.

29/04/2025

Thrilled to share a recent success story that truly highlights the power of timely capital and strategic vision.

Nine months ago, a client of ours faced a critical crossroads. Shareholder disputes threatened their control of a promising business, hinging on a time-sensitive $3.5M buyout. The pressure was on, and conventional routes simply wouldn't cut it.

That's where Secured Lending provided a decisive second mortgage facility. Recognising the urgency and the inherent potential, our team moved swiftly, delivering the required capital within a remarkable 72-hour timeframe. This rapid deployment of funds empowered the borrower to execute their buyout strategy and regain control.

The outcome? Fast forward to today, and the results are truly impressive. Through strategic restructuring initiatives, the borrower successfully relisted on the ASX, realising a significant appreciation in value. This week, we saw the successful repayment of our facility.

This scenario perfectly illustrates the value proposition we offer your clients: access to flexible capital that can unlock strategic opportunities and navigate complex situations with speed and certainty. When your clients need more than just a standard solution, remember Secured Lending. We're here to help you deliver impactful results.

14/04/2025

Speed Wins! How a Broker's Client Secured a Prime Commercial Property Fast with Secured Lending.

Summary: A mortgage broker's client identified a fantastic commercial property opportunity in Hawthorne – a liquidator sale demanding quick settlement. Traditional financing wouldn't cut it. The broker connected their client with Secured Lending, known for rapid and reliable funding. Within days, Secured Lending delivered a 65% loan, enabling the client to seize this lucrative commercial property deal.

Attention Mortgage Brokers: This highlights the power of having agile, non-bank lending partners like Secured Lending in your network. When your clients face time-sensitive commercial property opportunities, especially those outside standard lending criteria, Secured Lending can be the solution to deliver swift funding and secure the deal.

Don't let your clients miss out.

07/04/2025

Protect Your Clients (and Your Reputation): Master the Private Lending Due Diligence Now

Navigating the growing Australian private lending market requires sharp Private Lending Due Diligence for Brokers. My latest blog post provides 5 crucial tips to help you identify reliable short-term lenders and steer clear of potentially risky operators.

Learn how to:

✅ Prioritise lender reputation and experience.
✅ Focus on transparency and clear communication.
✅ Align lender risk appetite with your client's needs.
✅ Always put your client's best interests first.
✅ Leverage technology for smarter decision-making.

Equip yourself with the knowledge to confidently offer your clients effective private lending solutions and build strong, ethical partnerships.

See the below comment for full access to the blog.

02/04/2025

Facing a Construction Funding Crunch?

How often do you encounter clients facing a critical bottleneck in their construction projects? Their existing private lender, despite initial support, suddenly can't deliver the necessary working capital for completion. Sound familiar?

We recently helped a local builder, facing a critical situation that I know many of you have encountered.

Their existing private lender couldn't provide the necessary construction working capital loan to keep their projects on track. They needed a 2nd mortgage for construction costs – and they needed it fast. Their current lender's limitations were putting timelines and profitability at risk.

We immediately understood the urgency for construction working capital loan. Recognising the high cost of construction delays, we quickly structured a refinance 2nd mortgage cash out construction solution, providing essential short term construction finance. This ensured immediate working capital, uninterrupted project momentum, and avoided financial setbacks. We prioritised speed, leveraging our efficient processes to deliver the needed funds rapidly. The builder's clear exit strategy (property sale) was also a key factor in our swift decision-making.

This outcome highlights Secured Lending's commitment to empowering borrowers to navigate challenging situations and achieve optimal results.

Contact us on 1300 795 175 or [email protected] and let’s discuss how we can assist your client,

See the link in the below comment for the full scenario.

31/03/2025

Debunking Private Lending Myths in Australia.

Think private lending in Australia is only for desperate borrowers or riddled with exorbitant rates? Think again! My latest blog post dives deep into the Top 5 Private Lending Myths, uncovering the truth behind this dynamic financing alternative.

We bust misconceptions around:

- Who uses private lending (it's not just who you think!)
- Interest rates (understanding the "why")
- Regulation (it's not the "Wild West")
- What it can finance (beyond just property!)
- Accessibility (it might be easier than you imagine)

If you're a business owner, property developer, investor, or simply curious about alternative financing options in Australia, this is a must-read!

See the below comment for full access to the blog.

Let's challenge these outdated perceptions and explore the real potential of private lending.

26/03/2025

Secured Lending provided a bridging loan for working capital, secured by a property held in trust. Unfortunately, due to unforeseen circumstances, the trustee company faced a court-ordered winding-up and subsequent liquidation.

Rather than immediate security enforcement, Secured Lending utilised its insolvency expertise to assess their options. This led to a collaborative approach, enabling the guarantor (the trust) and liquidator to appoint a new trustee.

By allowing the borrower to manage the property sale independently, they achieved a far greater return than a lender-driven sale would have produced.

This meant all unsecured creditors were paid in full, and the borrower walked away with extra capital to support their business.

This outcome highlights Secured Lending's commitment to empowering borrowers to navigate challenging situations and achieve optimal results.

Contact us on 1300 795 175 or [email protected] and let’s discuss how we can assist your client,

18/03/2025

Is your business ready to scale but struggling with slow funding processes?

In today's competitive landscape, speed is paramount.

Traditional bank loans can be cumbersome and time-consuming, leaving businesses missing out on crucial opportunities.

Private lending offers a compelling alternative: quick access to capital.

Don't let slow financing hold you back.

Contact us on 1300 795 175 or [email protected] and let’s discuss how we can assist your client,

16/03/2025

Another success story of Secured Lending assisting a borrower with an urgent loan for ATO debt and working capital.

The borrower had a significant property portfolio with multiple tenanted commercial properties which we took as security, secured by a second mortgage.

Secured Lending provided a smooth process for the borrower to bring the file to settlement and when it came time to repay, unlike some other peers in our space, there were no hidden, last-minute fees and the repayment process was fast and easy.

The borrower was highly impressed with the exceptional service they received throughout the course of the loan and is now seeking to participate as an investor in the SL Premium Income Fund.

Contact us on 1300 795 175 or [email protected] and let’s discuss how we can assist your client,

11/03/2025

The recent administration of Bensons Property Group, a developer with a $1.5B portfolio, serves as a cautionary tale.

While rising interest rates and construction costs contributed to their downfall, the strategic use of short-term lending could have potentially mitigated some of the damage.

Bridging finance might have helped Bensons navigate challenges like cash flow crunches during construction delays, funding cost overruns, and bridging the gap between project completion and sales.

A crucial lesson for all developers on the importance of diverse financing options and proactive financial planning.

Contact us on 1300 795 175 or [email protected] and let’s discuss how we can assist your client,

09/03/2025

A borrower recently approached us seeking fund to refinance a construction loan on a completed project while awaiting a sale, with the property listed on the market.

During the course of the loan, the borrower advised that they wished to amend their exit strategy and wanted to retain the property.

They had a successful business and agreed to provide a significant paydown of their facility and enter into a variation to allow for an extension of the term to seek a refinance from a big bank.

Within a few months (typical banks) the borrower was able to secure a refinance and repay our facility in full! At SL, we understand the complex and everchanging nature of successful businesses and are willing to work with our borrowers to meet their goals.

Contact us on 1300 795 175 or [email protected] and let’s discuss how we can assist your client,

Address

One Wharf Lane, Level 20 171 Sussex Street
Sydney, NSW
2000

Telephone

+611300795175

Website

https://securedlending.com.au/contact-us/

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