Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
Property-Backed Loans for Strategic Business Growth
When you need fast, flexible funding backed by your assets, secured business loans can be a smart way to access larger loan amounts, lower interest rates, and better terms. Whether you’re managing cash flow, expanding your operations, purchasing stock, or taking advantage of time-sensitive opportunities, secured lending can provide the certainty and scale your business needs.
At Secured Lending, we specialise in helping Australian businesses obtain tailored secured business loans with minimal red tape and maximum speed. We understand business doesn’t wait, and neither should you.
Why Choose a Secured Business Loan?
Unlike unsecured loans, which rely heavily on credit history and cash flow, secured business loans use real estate or other valuable assets as collateral. This backing allows lenders to offer better terms, even if your business has had challenges accessing finance in the past. By offering security, you reduce the lender’s risk, which translates into more attractive interest rates and higher approval likelihood.
Secured business loans are ideal for:
Business owners with property equity but limited cash flow history
Fast-growing companies that need larger loan amounts
Borrowers with adverse credit seeking a viable financing option
Short-term funding needs such as bridging finance, equipment purchases, or supplier payments
Depending on your situation, your loan can be structured as a first mortgage, second mortgage, or caveat loan. Each structure serves a different purpose and timeline, and our team will guide you in choosing the right path.
Case Studies & Success Stories
What Assets Can Be Used as Security?
In most cases, the security for a business loan is real property – residential, commercial, or rural. Secured Lending can also accept:
Equity in the family home
Investment properties
Business premises
Vacant land
Development sites
We lend Australia-wide and work with business owners, developers, and investors. If the asset has value and a clear title, there’s a good chance we can use it to help secure the funding you need.
A common question we hear is: “Can I get a secured business loan even if the property isn’t in my name personally?” The answer is yes. In many cases, we can structure loans using company-owned or trust-held properties, provided appropriate documentation and authority are in place.
Fast, Flexible Lending Solutions
We know time is often the critical factor when it comes to business finance. Traditional lenders can take weeks to make a decision, let alone settle the loan. At Secured Lending, we offer fast approvals and loan settlements in as little as 24 to 72 hours for qualifying borrowers.
We offer:
Loan amounts from $250,000 to $45 million
LVRs up to 75%, depending on property type and location
Loan terms from 1 month to 24 months
Interest-only repayments, often paid in advance or capitalised
Whether you need short-term cash to cover tax obligations or long-term capital for a development project, we tailor each solution to your objectives and timeline.
We’ve helped clients secure funding to:
Keep business operations running during tough seasonal periods
Settle urgent supplier invoices
Buy bulk stock at discounted rates
Fund renovations and fit-outs
Bridge property purchases
With our deep knowledge of secured lending and non-bank lending criteria, we can often say yes when the banks say no.
Work With a Specialist Secured Lender
Secured Lending exists to provide fast, transparent, and practical business finance options. We are not a one-size-fits-all platform. We look at each scenario individually and build funding solutions that align with your business goals, timeframes, and cash flow.
From the first enquiry to settlement, you’ll work with an experienced finance specialist who understands the urgency of business needs. We don’t waste your time. We give clear answers, fast.
We also work closely with brokers, accountants, and financial advisers across Australia. If you’re a professional helping clients access secured business loans, we welcome the opportunity to collaborate.
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Frequently Asked Questions
A secured business loan is a type of finance where a borrower uses property or another asset as collateral to secure the loan. This lowers the risk for lenders and typically allows for larger loan amounts and better interest rates.
Common assets include residential homes, investment properties, commercial properties, vacant land, and development sites. In some cases, business-owned or trust-held properties can also be used, provided the right documentation is available
At Secured Lending, we offer secured business loans ranging from $50,000 up to $50 million, depending on your security asset, loan-to-value ratio (LVR), and purpose.
We can approve and settle secured business loans within 24 to 72 hours, depending on your circumstances and the complexity of the deal. Fast turnaround is our specialty.
A first mortgage loan is secured as the primary charge over the property.
A second mortgage loan is secured behind an existing first mortgage.
A caveat loan is a short-term solution secured by lodging a caveat on the property title, typically used for urgent funding needs.
We offer LVRs up to 75%, depending on the location, type, and value of the property used as security.
Yes. Because the loan is asset-backed, we can often approve loans even if your credit history isn’t perfect. Our focus is on the strength of the security and the exit strategy.
Loan funds can be used for any legitimate business purpose – including working capital, stock purchases, tax debts, equipment finance, renovations, cash flow bridging, and more.
Not always. For many short-term secured business loans, especially caveat loans, we can approve finance with minimal documentation. Each case is assessed individually.
Secured Business Loan Solutions
Secured lending strategies that drive business growth.
