Secured Debt Consolidation Loan
Simplify repayments. Lower costs. Regain cash flow.
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
At Secured Lending, we specialise in Secured Debt Consolidation Loans designed for business owners who need to bring multiple debts under control. By rolling your existing facilities into a single property-secured loan, you can reduce interest costs, simplify repayments, and restore working capital for your business.
What is a Secured Debt Consolidation Loan?
A secured debt consolidation loan allows a business to combine multiple existing debts—often high-interest, short-term facilities—into one structured loan backed by real property.
Businesses often accumulate debts through equipment finance, merchant cash advances, unsecured lines of credit, or short-term facilities with varying interest rates and payment schedules. Managing these separately can drain resources, complicate cash flow, and create unnecessary financial pressure.
By consolidating these debts into one property-secured loan, Secured Lending helps clear the slate. With one lender, one repayment schedule, and typically a lower blended interest rate, businesses can:
Reduce interest costs by replacing high-rate facilities.
Streamline repayments into a single manageable loan.
Unlock liquidity by restructuring loan terms to align with cash flow cycles.
Avoid defaults or arrears caused by scattered repayment schedules.
Why Businesses Choose Secured Lending
Loan sizes from $250,000 to $40 million – tailored for SMEs through to large-scale operators.
Fast turnaround – funding possible in as little as 24 hours.
Sydney-based private lender – decisions made locally, without bank bureaucracy.
Proven track record – more than $400 million in loans issued.
We work with business owners who are strong operators but constrained by short-term financial pressures. Our solutions are pragmatic, property-backed, and built for speed.
Common Situations Where We Help
Businesses juggling multiple short-term facilities at high rates.
Cash flow shortfalls caused by customer payment delays.
Urgent need to restructure debt to avoid compounding interest.
Expansion opportunities stalled due to scattered repayments.
If this sounds familiar, a secured debt consolidation loan could provide the breathing room you need to move forward with confidence.
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
A secured debt consolidation loan allows a business owner to combine multiple existing debts—such as equipment finance, short-term business loans, or merchant cash advances—into one structured facility secured against property. This reduces interest costs, simplifies repayments, and improves cash flow.
The process involves using real estate (residential or commercial property) as collateral to secure one larger loan. The funds are used to pay out your existing debts, leaving you with a single repayment schedule. At Secured Lending, approvals can be issued in hours, and settlement can occur within 24 hours
Most secured debt consolidation loans are backed by residential property, commercial property, or development sites. In some cases, other high-value assets may also be considered, but property is the most common security accepted.
Secured debt consolidation loans are ideal for businesses managing multiple short-term or high-interest facilities, experiencing cash flow pressure due to repayment schedules, or looking to restructure debt while planning for growth.
At Secured Lending, loan amounts typically range from $250,000 to $40 million. The amount depends on the equity available in your property and your business’s overall financial position.
Traditional banks may take weeks to approve a loan, but as a Sydney-based private lender, Secured Lending can issue indicative terms the same day and fund within 24 hours once documentation is complete.
Yes, most businesses reduce overall interest costs and simplify cash flow by replacing multiple facilities with a single secured loan. The repayment structure can also be tailored to match seasonal or uneven business income.
Yes. Secured Lending frequently works with clients in arrears or under financial stress. By consolidating and restructuring debt into one secured facility, businesses can avoid defaults, reduce financial strain, and regain control of repayments.
Why Choose Secured Lending?
- Sydney's leading commercial lender
- Finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
Secured Business Loan Solutions
Secured lending strategies that drive business growth.
