⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Non Bank Commercial Lender Australia
Smart commercial loans without the delays.
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
Non Bank Commercial Lender Based in Barangaroo Sydney
When timing matters and the banks can’t move fast enough, working with a non bank commercial lender in Australia gives you access to practical funding solutions built around real business needs.
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
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
Commercial borrowers choose non bank lenders for three key reasons:
1. Speed
Banks can take weeks or months. We approve and settle fast—often within 24–72 hours.
2. Flexibility
We don’t rely on rigid rules, credit scoring models, or years of financials.
If the security is strong and the exit strategy makes sense, we can usually fund the deal.
3. Practical Lending
We understand commercial timelines.
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
As a leading non bank commercial lender in Australia, we fund:
Commercial business loans
First mortgages
Second mortgages
Caveat loans
Short-term commercial bridging loans
Commercial property loans
Developer and investor funding (selected scenarios)
All loans are secured against real property. If timing or complexity is a barrier with a bank, a non bank commercial lender is often the solution.
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 Non-Bank Lender
Secured Lending is direct, transparent, and fast. No call centres. No delays. No rigid bank-style assessments. We provide:
A clear, practical path to commercial funding
Real valuation and property development experience
Straight answers without the back-and-forth
Solutions tailored to your timing, purpose, and exit strategy
Direct access to decision-makers, not layers of middlemen
We also work closely with brokers, accountants, and advisers across Australia. If you’re supporting clients who need fast, property-backed commercial finance, we’re ready to assist.
Frequently Asked Questions
Non bank lenders don’t rely on rigid credit scoring or long approval pipelines. Decisions are based on security, equity, loan purpose, timeline, and exit strategy, allowing deals that banks can’t or won’t consider.
Because commercial timelines are tight. Non bank lenders can approve and settle loans in days instead of weeks, making them ideal for urgent settlements, tax obligations, cash-flow gaps, or refinancing out of expiring facilities.
Yes. Non bank lenders place more weight on asset strength than historical paperwork.
If the property security and exit strategy stack up, past credit issues rarely block approval.
Most offer first mortgages, second mortgages, caveat loans, bridging loans, and short-term commercial loans, all backed by real property.
Unlike banks, they can tailor terms to match the urgency and complexity of the deal.
Pricing reflects speed, flexibility, and risk. Rates are usually higher than banks, but the trade-off is immediate access to capital when the timing is critical, or when banks can’t meet the borrower’s situation.
Many borrowers receive an approval within hours and settle within 24–72 hours, depending on valuation access and document readiness. We’re structured to deliver decisions fast.
We lend against residential, commercial, industrial, vacant land, and development sites, including properties held in companies, trusts, and SMSFs. If the equity is strong, we can usually structure a solution.
Yes. We regularly step in for urgent refinances, including:
Expiring bank terms
Default notices
Arrears pressure
Forced-sale situations
We act fast to prevent borrowers from losing control of their assets.
Yes. We don’t rely on traditional bank-style assessments.
If the loan purpose is clear and the property security supports the loan, we’re able to move forward even when the financials aren’t perfect.
Our loans are interest-only, often paid in advance or capitalised to reduce cash-flow pressure.
This structure helps businesses stabilise operations without taking on large monthly commitments.
No. While headquartered in Barangaroo, Sydney, we fund borrowers across Melbourne, Brisbane, Perth, Adelaide, Canberra, and surrounding metro and regional areas.
We’re a national non bank commercial lender.