Growth needs momentum and certainty. If you’re weighing a second mortgage loan for Growth capital, you want clear terms, fast decisioning, and minimal disruption to your current banking. At Secured Lending, we’ve advised and assisted borrowers with this Growth capital and facilitated over 200 strategic second mortgages. We can help you move Fast with a second mortgage loan for Growth capital. Assess your scenario today.
Why Use a Second Mortgage for Expansion
A second mortgage unlocks equity in property you already own to fund business expansion without touching your first mortgage. It suits time-sensitive opportunities where speed and flexibility matter more than red tape.
- Preserve control: You avoid issuing new equity or diluting ownership.
- Keep your primary bank relationship: Your first mortgage stays in place.
- Speed: same day settlement is possible in the right scenario, with funding within 24 hours for an urgent settlement.
- Purpose-built: Use funds for fit-outs, equipment, stock, hiring, marketing, new locations, or contract mobilisations.
- Practical pricing: When compared to selling equity or delaying growth, the trade-off can be attractive.
How It Works in Simple Steps
- We review your property equity position, first mortgage balance, and target amount.
- We confirm the loan structure (interest-only, term, and fees) as secured business loans.
- We value the collateral and coordinate consents where required.
- We arrange documentation and settlement, then you deploy the Growth capital.
Where a Second Mortgage Shines
- Bridging short cash flow gaps tied to expansion timelines.
- Pre-paying suppliers to secure inventory discounts.
- Funding fit-outs and renovations to open sooner.
- Deposits for new premises or development options.
- Acquiring equipment or vehicles needed for scale.
- Tender mobilisation where a quick start secures revenue.
Eligibility and Terms We Typically Consider
- Security: Residential or commercial property you own. We don’t accept other obscure assets as collateral.
- Borrowing: Depending on equity and risk, you can borrow up to $10 million.
- Interest and costs: Options include an interest rate of 11.95%, plus standard establishment and legal costs.
- Term: Short to medium term, interest-only, with flexible exits (refinance, sale, or retained cash flow).
- Documentation: Clear business purpose and an exit plan help streamline approval.
Private Lender, Australia-wide
As a private lender and non-bank lender, Secured Lending works across Australia: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Because we make credit decisions in-house, we move quickly and keep the process practical. If timing is urgent or even an emergency, we can align a second mortgage with bridging loans or other short-term facilities to keep your expansion on track.
Risk and Practicality, Balanced
A second mortgage ranks behind your first mortgage, so we size the facility conservatively and make sure the exit is clear. We coordinate with your first mortgagee if consents are needed, minimise disruption to your existing banking, and confirm your cash flow can support the plan. You stay in control, and your growth timetable stays realistic.
What to Expect from Secured Lending
- Certainty on timelines: same day settlement where due diligence allows.
- Straight answers: we set expectations early and confirm requirements.
- Clean documentation: direct, business-purpose terms.
- Ongoing support: we review drawdown timing and coordinate stakeholders.
Real-World Timing
Many clients use a second mortgage to secure premises, order long-lead equipment, or cover upfront costs before revenue catches up. With clear security and purpose, funding within 24 hours is achievable. That speed lets you commit to suppliers, contractors, and landlords with confidence.
How We Can Help
We structure second mortgage facilities that deliver Growth capital without slowing your momentum. Our team reviews your equity, confirms loan size and term, coordinates valuation and consents, and manages an efficient settlement. If your need is urgent, we compress steps and communicate clearly so you can move. We’ve provided strategic lending advice for this in the past and can help assess your scenario. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
- Will my bank need to approve this? Often, yes. If consent is required, we coordinate the process and keep it efficient.
- What security do you accept? Residential or commercial property in Australia. We don’t accept other obscure assets as collateral.
- How fast can I settle? With clean information, urgent settlement and sometimes same day settlement are possible.
- How do I exit the loan? Common exits include refinance, asset sale, or cash flow once expansion revenue stabilises.
- Can this work alongside bridging loans? Yes. We can align a second mortgage with bridging loans to meet staged expansion costs.
We operate transparently on fees, timelines, and covenants, and we confirm conditions upfront so there are no surprises—just clear steps from approval to settlement today.
