3 Million Dollar Business Loans
Fast funding for $3 million in Australia
Over $400 million in business loans Australia-wide.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
$3 Million Business Loans. Fast, Structured, and Backed by Property.
When your business needs $3 million in capital, speed and certainty matter. Whether it’s to secure a time-sensitive asset, refinance existing debt, or cover a strategic shortfall, delays can cost more than just time — they can cost opportunity.
At Secured Lending, we specialise in fast-turnaround, property-secured business loans from $1 million to $45 million. A $3 million facility isn’t out of the ordinary for us — it’s our expertise. Our clients include brokers, business owners and financial professionals who can’t afford to wait around for red tape, committees, or indecision.
We’re a specialist lender, not a generalist. That means we understand how to move fast on larger loan sizes. We have our own funds and our own internal property team. We assess deals based on real security and real outcomes — not box-ticking exercises.
We provide commercial funding solutions where banks often fall short. Our $3 million loan facilities are secured against Australian property — residential, commercial or mixed. The result is streamlined approvals, minimal delays, and deals that settle within days when needed.
Key Features:
Loan amounts from $1m to $45m
$3 million facilities commonly structured for settlements, refinancing or growth
Short-term solutions: caveat loans, first and second mortgage-backed loans, bridging finance
Terms from 1 to 24 months
Competitive interest rates from 9.95% p.a
Loan settlements in as little as 24 hours for urgent files
We’re pragmatic, commercially minded and outcome-driven. If the deal stacks up and the security is sound, we’ll move quickly.
Common $3 Million Use Cases
Every deal is different, but here are some examples of how $3 million loans are typically used:
Urgent property settlement — funding to secure commercial real estate where bank finance couldn’t keep up with the timeframe
Debt restructuring — consolidating or refinancing existing high-interest facilities with clearer exit strategies
Working capital injection — short-term cashflow needed for payroll, inventory, or expansion during a high-growth phase
Bridging finance — bridging the gap between asset disposal and acquisition
Refinance from a distressed lender — helping clients exit non-performing, overpriced or predatory facilities
We don’t impose one-size-fits-all terms. Every $3 million loan we write is built to meet the real needs of the borrower — and executed with urgency.
Our Success Stories
Read some of our previous success stories of clients we have helped:
- $3.3 Million Facility: Saved from a Dodgy Lender -Why the Cheapest Rate Can Cost You Everything.
- $3 Million Loan Funded:Speed & Reliability
- $3.685 Million Loan Funded: Company Rescued From A Receiver
- Successful $3.5 Million Buyout: How Strategic Financing Can Be the Key to Unlocking Business Potential
- $3M Loan Funded: Large Second Mortgage
- $3.5M First and Second Mortgage in Cronulla: Seizing an Investment Opportunity in Days
- $3 Million Loan Funded: Short Term Finance To Pay Out A Private Lender
Why Borrowers Come to Us for $3 Million Loans
Secured Lending isn’t built for small personal loans or consumer finance. We exist for serious commercial lending.
If you need a $3 million loan, you’re likely making a big decision — and you need a lender who understands the importance of timing, discretion and clarity. We bring:
Experienced credit professionals who assess the full picture — not just the numbers
Deep market knowledge across property, lending, and business finance
A funding-first mindset — we focus on deploying capital, not gatekeeping it
Relationships with brokers and professionals who trust us to handle complex or urgent files
Security Requirements
All our $3 million loans are secured by real property. This can include:
Prime residential or commercial property in metropolitan areas
Multi-site portfolios or regional commercial assets
Cross-collateralised securities for complex deals
We can lend against single properties or multiple securities, depending on the loan size and loan-to-value ratio (LVR). We’re also open to considering second mortgages where suitable.
Why Choose Secured Lending?
Over $400 Million in loans serviced Australia-wide.
Case Studies & Success Stories
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
If the security is strong and the deal is ready, we can fund a $3 million loan within 24 to 72 hours. Timing depends on how fast valuations and legal docs are finalised, but urgent files are prioritised.
We accept residential, commercial, or mixed-use property in metro or regional areas. Security can be a single asset or multiple titles — and we’ll assess based on value, location and loan-to-value ratio (LVR).
It depends. We assess deals on asset strength and exit strategy, not lengthy documentation. In many cases, we can offer indicative terms without tax returns or full financials, especially if time is critical. Call us today to discuss.
Absolutely. We help clients exit over-complicated or distressed facilities all the time. If you're dealing with a private lender that’s become inflexible or aggressive, we can step in fast with a clean refinance.
Yes. Most of our $3 million+ facilities are structured with interest-only terms, giving you room to focus on cashflow while you work toward the planned exit — whether that’s a refinance or asset sale.
es. If your project or acquisition has phases, we can structure the loan for staged drawdowns. This can be useful for development, structured settlements, or milestone-based transactions.
Why Choose Secured Lending?
- Urgent finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
- We use our own funds and have our own internal property valuation team
Private Business Loan Solutions
Private lending strategies that drive business growth.
