The short answer
According to its website (as at October 2026), Secured Lending is a Sydney-based private lender using its own funds to write property-backed loans from $250,000 to $10,000,000 over 1 to 24 months, with funding possible within 24 hours. A Secured Lending alternative such as BizLoansFast lends $20,000 to $5,000,000, so it also covers amounts below that floor, assesses the property itself and never orders a valuation.
- Secured Lending states a $250,000 to $10,000,000 range over 1 to 24 months
- Our loans start at $20,000, so smaller property-backed deals are covered
- Above $5,000,000, a lender with a higher ceiling is the better match
- We never order a valuation and interest can be prepaid or capitalised
| Secured Lending range (per its website) | $250,000 to $10,000,000 |
|---|---|
| Secured Lending terms (per its website) | 1 to 24 months |
| Our range | $20,000 to $5,000,000 |
| Valuation with us | Never ordered |
This page is about Secured Lending, the Sydney private lender at securedlending.com.au, not secured lending as a general idea. If you’re looking for a Secured Lending alternative, you’ve probably already decided property should back the loan; the open questions are how much you need, how fast, and on what terms. BizLoansFast is a private business lender, active since 2004, writing short-term loans from $20,000 to $5,000,000 against residential or commercial property.
Both of us lend against real estate. The honest comparison comes down to range, borrower fit, how the property is assessed and how the cost stacks up over your term.
What is on offer from Secured Lending?
According to its website (as at October 2026), Secured Lending is a non-bank private lender headquartered at Barangaroo in Sydney, funding loans Australia-wide from its own private funds. SL Capital is described as a loan facility manager that lends and invests in secured debt transactions. Its site lists:
- bridging finance, first and second mortgage loans and caveat loans
- secured business loans, lines of credit and working capital loans
- debt consolidation, debt restructuring and refinance facilities
- urgent short-term loans, bad credit loans and ATO debt loans
Loans run from $250,000 to $10,000,000 over 1 to 24 months, backed by residential, commercial or industrial property. The site promotes funding within 24 hours and answers within hours, and mentions an internal property valuation team for assessing complex securities. It lends to businesses, property investors and developers.
Start with the amount you need
Loan size is the quickest filter, because the two stated ranges overlap only in the middle.
| Amount needed | Who fits on stated ranges |
|---|---|
| Under $250,000 | BizLoansFast (our loans start at $20,000) |
| $250,000 to $5,000,000 | Both: compare full terms and total cost |
| Over $5,000,000 | Secured Lending (its range runs to $10,000,000) |
If your need is above $5,000,000, a lender with a higher ceiling is the sensible call, and we’d tell you that on the phone. Below $250,000, a lender whose range starts lower saves you time. In the middle band, it comes down to the detail of each offer.
How do Secured Lending and BizLoansFast compare?
| Secured Lending (per its website) | BizLoansFast | |
|---|---|---|
| Loan range | $250,000 to $10,000,000 | From $20,000 to a $5,000,000 ceiling |
| Term | 1 to 24 months | Short-term, tied to a defined exit |
| Property accepted | Residential, commercial or industrial | Residential or commercial, owned by the business, a director or a guarantor |
| Products | Bridging, first and second mortgages, caveats, business loans, lines of credit, ATO debt and more | Caveat loans, second mortgages, private first mortgages and bridging |
| Credit history | Bad credit loans offered | Defaults and past ATO debt can be accepted |
| Speed | Funding within 24 hours advertised | Same-day approval common; quick files funded inside 24 hours |
| Property assessment | Internal property valuation team | Our team assesses it; no valuation is ever ordered |
How does each lender assess the property?
Secured Lending’s website describes an internal property valuation team. We work without valuations entirely: nobody is sent out to inspect, nothing is charged for a valuation, and there’s no report to wait on. You tell us what you believe the property is worth, we check it against what we can see, and if you have an agent’s appraisal or recent sales from your street, that helps us move. None of it is mandatory.
That approach is the same whether the loan is a $60,000 caveat loan on a director’s home or a $3,000,000 first mortgage over a warehouse.
Where are we often the closer fit?
Beyond the lower starting point, a few situations tend to suit our model:
- Small, urgent amounts. A supplier debt, a tax bill or a deposit under $250,000, secured by a second mortgage or caveat behind the existing bank loan.
- A director’s property backing the company. Using a home or investment property owned personally to fund the business is routine for us; see collateral loans for business.
- Cash flow during the term. Our interest can be prepaid or capitalised, so the business isn’t servicing the loan monthly while waiting on the exit.
- Tax debt. We fund business loans for tax debt from $20,000, which matters when the ATO amount is modest but the deadline isn’t.
Secured Lending lists ATO debt loans, bad credit loans and urgent short-term funding too, so for amounts inside both ranges, ask each lender for written terms. To get ours alongside, open a quick enquiry.
How do you weigh two secured offers against each other?
Compare what you’ll pay in total over a realistic term, including the scenario where the exit runs late. Headline pricing on a private loan rarely tells the whole story.
| Question to ask each lender | Why it matters |
|---|---|
| What is the total repayable if I exit on time? | Puts every cost in one figure |
| What changes if I exit three months late? | Extension terms often decide the real cost |
| Is interest monthly, prepaid or capitalised? | Shapes your cash flow during the loan |
| What must happen before settlement, and who pays? | Legal work, searches and any valuation add time and cost |
| Is there a minimum term or early-exit charge? | Affects you if the sale or refinance comes through early |
Our private lenders directory lists more lenders with their stated ranges if you want a third quote, and the full compare hub also covers unsecured cash-flow lenders. To be straight about price: short-term private funding costs more than bank finance, and it’s for situations where speed or flexibility is worth the difference.
Illustrative example
Illustrative example: an Adelaide café group owes the ATO $140,000 and has received a director penalty notice. The two directors own a home worth around $950,000 with $400,000 left on the mortgage. We approve a $150,000 caveat loan the day they enquire, with interest prepaid for eight months. The ATO is paid out within days of signing, and the loan is cleared when the directors refinance with their bank once the next set of accounts is lodged.
Get a second opinion today
If your number sits under $250,000, or between $250,000 and $5,000,000 and you’d like a competing offer, send us the details. The form takes about a minute and asks for the property, the amount, the purpose and how you’ll repay.
Enquiring doesn’t trigger a credit check. Your information goes to one lending team, not a panel. Someone who knows urgent property-backed lending reviews it and comes back with a direct answer fast, and a straight no if it won’t work. Be precise with your answers on the form; accuracy is what lets our first answer stand. Rather talk? Our number is 1300 852 150.
Secured Lending alternative: your questions answered
Is Secured Lending a direct lender?
Its website (as at October 2026) describes Secured Lending as a non-bank private lender that uses its own private funds, and says SL Capital is a loan facility manager that lends and invests in secured debt transactions. If the funding source matters to you, ask any lender to confirm in writing who will be named on your loan contract.
How fast can Secured Lending fund a loan?
According to its website (as at October 2026), Secured Lending advertises urgent, strategic finance within 24 hours and says it can give an answer within hours. How quickly any particular loan settles depends on documents, title and the exit. With us, same-day approval is common and straightforward deals can be funded within a day.
What is the smallest loan Secured Lending will consider?
Its website (as at October 2026) states a loan range starting at $250,000. If you need less than that, ask them directly whether they will consider it, or look at lenders whose range starts lower. Our property-secured business loans start at $20,000 and run to $5,000,000.
Does Secured Lending offer ATO debt loans?
Yes. According to its website (as at October 2026), Secured Lending offers fast funding to help businesses deal with ATO obligations before penalties, garnishees or director penalty notices escalate. We also lend to clear tax debts, secured on property, from $20,000 upwards. Bring the ATO statement and any notices you have received so the amount is right first time.
Secured Lending vs BizLoansFast: which should I call?
Let the amount guide you first. Below $250,000, we are the closer fit on stated ranges. Between $250,000 and $5,000,000, both lend against property, so compare the full terms and total cost of each offer. Above $5,000,000, Secured Lending's stated range goes further than ours.
Sources we checked
Names are trademarks of their owners. BizLoansFast is not affiliated with any lender named on this page. Lender details are summarised from each lender's own website as at October 2026 and can change — check with the lender directly.
Written by the BizLoansFast lending team · Updated 2026-10-06