⭐️⭐️⭐️⭐️⭐️ Over $500 million in business loans facilitated
Secured Business Loans Australia
Fast and strategic finance – secured against property.
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
Fast 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. We are a non-bank private lender in Australia, based in Barangaroo Sydney, facilitating loans nationwide across Sydney, Melbourne, Brisbane, Gold Coast, Perth Adelaide, Canberra, and some regional areas Australia-wide.
At Secured Lending, we are proud to be known within the industry as specialists in bridging finance, caveat loans and second mortgages.
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?
Business loan secured by residential property
We can arrange a commercial loan secured by residential property, including equity in the family home and investment properties. If you have built up usable equity, that asset can be leveraged to raise business finance quickly and efficiently. This structure is commonly used by business owners who are asset-rich but require working capital, bridging finance, tax debt funding, settlement shortfalls, or growth capital.
Residential property is considered strong security by lenders. As a result, a commercial loan secured by residential real estate can often achieve higher loan amounts and more competitive terms than unsecured business lending. Depending on your position, funding may be structured as a first mortgage, second mortgage, or caveat loan. We assess available equity, existing encumbrances, servicing position, and exit strategy to determine the most suitable structure.
Using equity in your family home or leveraging an investment property does not mean selling the asset. It allows you to access capital tied up in property while retaining ownership. This can be particularly effective for time-sensitive transactions or complex scenarios where traditional banks are slow or restrictive.
Our focus is on structuring the loan to align with your commercial objectives while managing risk appropriately. If you need a commercial loan secured by residential property, we can position your application correctly and match it with lenders who understand asset-backed business finance.
Loans secured against commercial property
If you own your commercial property, we can arrange a commercial loan secured by business premises. This includes offices, warehouses, factories, retail shops, medical suites, and industrial properties. Using commercial real estate as security allows you to leverage built-up equity to fund business expansion, refinance existing facilities, purchase equipment, or manage short-term cash flow pressures.
A commercial loan secured by business premises is assessed based on property value, location, lease profile, tenant strength (if applicable), and overall marketability. For owner-occupied properties, lenders also consider trading performance and financial strength. Where there is sufficient equity, substantial funding can be structured against the asset.
This type of secured business finance can be arranged as a first mortgage, second mortgage, or short-term bridging facility, depending on urgency and risk profile. Loan-to-value ratios and pricing are determined by the strength of the security and exit strategy. Compared to unsecured commercial loans, property-backed lending typically offers larger loan sizes and more flexible structures.
We focus on clear documentation, realistic timeframes, and aligning the facility with your commercial objectives. If you hold equity in your business premises, it may be possible to unlock that capital without selling the property. Secured Lending positions your application with lenders experienced in commercial property-backed finance.
Loans secured against development sites
In some cases. development sites can be used as security for commercial loans, particularly where there is strong equity and a defined project strategy. Secured Lending works with borrowers seeking funding against subdivision sites, townhouse developments, mixed-use projects, apartment sites, and commercial construction projects.
A commercial loan secured by a development site is assessed based on current land value, development approvals, feasibility studies, projected end value, borrower experience, and exit strategy. Where development approval is in place or construction is imminent, lenders may structure acquisition finance, bridging loans, or staged construction funding.
Because development carries additional risk, loan-to-value ratios are typically conservative. However, experienced developers with sound feasibility and clear timelines can secure substantial funding against the site. Facilities may be structured as first or second mortgage lending depending on existing debt and equity position.
We focus on presenting a commercially sound proposal supported by realistic numbers and defined repayment strategies. Whether you require funding to acquire the site, refinance existing debt, or move into construction, the right structure is critical. If you hold a development site with equity, Secured Lending can assess and arrange a commercial loan aligned with your project stage and funding requirements.
Loans secured against land
In some cases, we can arrange commercial loans secured by vacant land, including residential-zoned, industrial, commercial, or rural parcels. While vacant land is considered higher risk than improved property, it can still support meaningful funding where equity is strong and the exit strategy is clear.
Lenders assess zoning, location, access to services, demand in the local market, and overall liquidity of the land. Because vacant land does not generate rental income, loan-to-value ratios are typically more conservative than residential or income-producing commercial property. However, where there is substantial equity, a commercial loan secured by vacant land can provide access to working capital, bridging finance, or acquisition funding.
This type of security is commonly used by developers, investors, and business owners holding land for future development or resale. Funding may be structured as short-term bridging finance, second mortgage lending, or asset-backed business finance with defined exit timeframes.
We ensure the application clearly outlines the purpose of funds, proposed exit strategy, and realistic valuation position. Proper structuring is essential when using land as security. If you hold vacant land with untapped equity, Secured Lending can assess whether it can be used to support a commercial loan aligned with your objectives.
Fast, Flexible Lending Solutions
We know time is often the critical factor when it comes to business finance. When banks say no, we can structure the deal within 24 hours.
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
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.
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
Yes. In many cases, we can structure loans using company-owned or trust-held properties, provided appropriate documentation and authority are in place.
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 $250,000 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.
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.
Absolutely. The loan funds can be used for any strategic financial reasons and investments, including:
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.
Not always. For many short-term secured business loans, especially caveat loans, we can approve finance with minimal documentation. Each case is assessed individually.