Sydney Metro Fund provides secured business lending to established businesses and property owners across Sydney and New South Wales. We are not a bank. We understand commercial reality, we move efficiently, and we genuinely want every borrower we work with to succeed.
The team at Sydney Metro Fund has been working with businesses for over four decades. We understand what businesses go through, and we know that access to the right finance at the right time can be the difference between a business that thrives and one that does not.
We are businesslike because we have to be. Discipline protects our borrowers as much as it protects our investors. But we are never cold. Every borrower we work with is a business with people behind it, and we never forget that.
This section matters as much to investors as it does to borrowers. The quality of the borrower pool is what makes this fund's track record possible. Every borrower in the fund has been personally assessed against the following criteria.
Every loan must be used for commercial and business purposes. The fund does not make consumer loans. Loan funds must not be used for personal, household or domestic purposes. This is a fundamental eligibility requirement, not a preference.
All loans are secured by registered first or second mortgages over Australian real property, or by the assets of the business. No loan is advanced until the security is registered. The fund holds the right to enforce security in the event of default.
The team personally assesses every borrower. No automated credit scoring. No tick-box systems. No overseas credit teams. The people who assess your loan are the same people who manage the fund and who understand the Sydney and NSW lending market from decades of direct experience.
Lending is focused on the Sydney metropolitan area and New South Wales. This is the market the team has operated in for over 40 years. The team understands property values, business conditions and economic cycles in this geography at a depth that no national lender can match.
Loan-to-value ratios are assessed conservatively against current market values. The team does not lend to the ceiling of what security might support. Conservative LVR discipline is part of what has produced 200 plus loans and zero capital losses. Full lending guidelines are in the Information Memorandum.
The fund lends to established businesses and property owners with a track record. The team does not finance startup ventures or speculative projects. Borrowers must demonstrate a viable operating business or clear asset position that supports the loan and its repayment.
The fund offers three distinct loan structures. Each is designed for a specific type of borrower and security position. If you are unsure which applies to your situation, book a conversation with the team.
Not sure which structure suits your situation? Book a free conversation with the team. The team will assess your position, explain all available options, and help you determine the right structure before any formal application is submitted.
Book a Free Conversation →The fund lends for commercial and business purposes only. All of the following represent approved uses of SMF loan funds. Loans may not be used for consumer, personal, household or domestic purposes.
Loan funds must be used for commercial and business purposes only and may not be used for consumer purposes. For full lending guidelines, please refer to the fund's Information Memorandum. The full lending criteria and arrears and default enforcement provisions are detailed in the IM.
The way SMF assesses borrowers matters equally to the borrower and the investor. Here is why, from both perspectives.
The process is straightforward. The team guides every applicant through it directly. There is no obligation until a formal loan contract is signed.
Sydney Metro Fund is not a replacement for your banking relationship. But for specific business finance needs where a bank's policy, speed or appetite does not match your situation, the fund offers a genuine alternative.
The first conversation is free, confidential and carries no obligation. The team will tell you clearly whether your situation fits the fund's lending criteria before you commit any time to a formal application.
When our borrowers succeed and repay their loans, our investors receive their returns and the fund grows. That alignment is not incidental. It is the foundation of everything the fund does. If you are an established business owner looking for a lender who wants you to succeed as much as you do, the team would like to hear from you.