Refinance Business Loans
Exit restrictive loans fast and restructure with flexible, property-backed refinance solutions.
Over $400 million in business loans Australia-wide.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k to
$45 million
Terms
1-24 months
Refinance Business Loans with Speed, Strategy & Flexibility
If your current business loan is no longer serving you, it might be time to refinance. Whether you’re paying too much interest, stuck in a restrictive facility, or need more flexible terms — we can help.
At Secured Lending, we specialise in refinancing business loans backed by property. From urgent exit strategies to complex commercial debt, we provide fast, strategic refinancing options designed to unlock better outcomes for your business.
Why Refinance Your Business Loan?
Refinancing a business loan allows you to:
Lower your interest rate or switch from variable to fixed
Extend the loan term to reduce monthly repayments
Exit from a private lender or non-bank facility
Access additional working capital using your property equity
Restructure debt for improved cash flow and business growth
If your loan is causing stress, limiting operations, or approaching expiry, a refinance could give you the reset you need.
Refinance Options We Offer
We provide short-term, property-secured refinance facilities tailored to your specific needs. Loan sizes range from $1 million to $45 million.
Refinancing options include:
Bridging loans to refinance expiring business debt
Caveat loans for urgent refinance scenarios
First mortgage and second mortgage refinance
Refinance of private lending, caveat facilities, or ballooning repayments
Business loan consolidation and restructuring
Who We Work With
We help a wide range of businesses and borrowers across Australia:
Business owners with upcoming loan expiries
Developers needing fast refinance while selling or transitioning
Borrowers exiting distressed, predatory, or non-performing lenders
Brokers seeking better terms for their clients
Companies requiring structured debt solutions tied to assets
We’re not a bank. We’re fast, flexible, and focused on funding outcomes — not red tape.
Common Refinance Scenarios
Our clients come to us when:
Their loan term is ending, and the lender isn’t renewing
Repayments are unsustainable, due to rising interest rates
Their facility is in default, and time is running out
They need funds urgently to cover a balloon payment
Their current lender won’t extend or negotiate
We act fast — in some cases, settling in under 72 hours.
Loan Terms & Features
Our refinance loans are backed by real property and tailored to your exit strategy.
Key features:
Loan amounts from $1 million to $45 million
Interest-only repayment options
Terms from 3 to 24 months
Loans secured against commercial, residential, or mixed-use property
Quick credit assessment and indicative terms
Ability to refinance first or second mortgage positions
What Property Can I Use?
We accept a wide range of security types, including:
Residential investment property
Commercial premises
Development sites
Multiple securities (cross-collateralised)
Partially completed construction projects
If the security is strong and the deal makes commercial sense, we’ll move quickly.
Why Choose Secured Lending?
Refinancing isn’t just about getting a better rate — it’s about creating space to move forward. At Secured Lending, we focus on:
Fast, outcome-driven lending decisions
Transparent pricing and clear terms
Practical solutions for urgent scenarios
Lending based on security, not red tape
We don’t offer generic loans — we structure facilities that fit your timing, goals and exit plans.
Ready to Refinance?
If your current loan is expiring, restrictive, or no longer viable, talk to us. We’ll assess your scenario, provide indicative terms, and move swiftly to help you refinance and regain control.
Contact us today to explore your refinance options with a lending partner who understands speed, scale, and commercial realities.
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
Yes. We regularly help clients refinance loans that are overdue, in default, or under pressure from private lenders. If there's enough equity in the property and a clear exit strategy, we can step in fast.
Not necessarily. For asset-backed refinance loans, we can often proceed without full financials or tax returns. We assess based on the value of the security property, the remaining debt, and your exit plan.
Yes. We can consolidate both first and second mortgage positions into a single refinance loan — reducing complexity and potentially lowering your total repayments.
In urgent scenarios, we can settle within 24 to 72 hours from receiving key documents and valuation access. We prioritise refinance deals with critical timelines, especially where default or penalties are at stake.
That’s a common trigger for refinance. If your current lender refuses to renew or extend your facility, we can step in with a short-term solution to give you breathing room and flexibility.
Yes — if your property has enough equity, we can release additional funds at the time of refinance. Many of our clients use this opportunity to access working capital or pay down other debts.
Why Choose Secured Lending?
- Finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
Secured Business Loan Solutions
Private lending strategies that drive business growth.
