Quick snapshot:
Loan Amount: $5.1 million
Loan Type: Short-term debt consolidation loan
Problem: Business struggling with short-term cash flow due to high-interest debts and payment timing issues
Solution: Consolidated several facilities into one secured short-term loan
Outcome: Immediate cash flow relief, simpler repayment terms, and improved financial stability
Outstanding product. Loyal clients. Growing revenue. But there it was again: another shortfall in cash flow. This particular business, despite performing well on the surface, was drowning under the weight of several short-term facilities. Interest was compounding, payments were scattered, and a growing sense of disorganisation was setting in.
What they needed wasn’t more revenue – it was breathing room. That’s exactly what a $5.1 million debt consolidation loan from Secured Lending delivered.
A Web of Repayments: The Cost of Managing Multiple Business Debts
The business had taken on a variety of debts to keep operations moving. Equipment finance, short-term credit lines, and vendor loans had all helped at different points, but now the costs were adding up. Each facility came with its own interest rate, repayment frequency, and administrative overhead. Their internal team was spending more time managing repayments than planning for growth.
To make matters worse, their cash flow cycle was out of sync. Customers took 60+ days to pay, while creditors demanded terms within 14 or 30 days. That mismatch can be lethal, even for profitable businesses.
It became clear that what they needed wasn’t another loan – they needed the right kind of loan. One that could tidy up the past, and buy time for the future.
A $5.1M Consolidation Loan: Replacing Complexity with Clarity
Secured Lending stepped in with a purpose-built debt consolidation loan. We reviewed all of the business’s active debts and identified a path to combine them under one secured facility. This single loan, at $5.1 million, cleared their books of the fragmented debt and replaced it with a unified short-term loan secured against business assets.
Here’s what the business gained from the restructure:
One repayment schedule: Predictable, straightforward payments they could plan around
Reduced interest exposure: Moving from several high-rate debts to a more cost-effective short-term loan
Immediate relief: Improved working capital and headspace to operate effectively
Stronger financial reporting: Simpler ledger meant clearer cash flow forecasts and improved investor confidence
This was more than just a loan. It was a tactical business reset.
Could a Debt Consolidation Loan Work for You?
If you’re grappling with multiple business debts, ask yourself this: How much is it costing you to manage complexity? That cost isn’t just interest – it’s time, energy, and missed opportunity. A properly structured debt consolidation loan can bring it all under control.
These are the types of businesses we often help:
Owners who have stacked up multiple short-term loans to get through lean patches
Operators who have solid future prospects but are burdened by historic debt
Businesses experiencing temporary cash flow mismatches due to payment timing issues
It’s not about avoiding responsibility – it’s about strategically positioning your business to succeed. When structured carefully, debt consolidation can reduce your total cost of finance, give you better control of your repayments, and most importantly, reduce financial pressure so you can think clearly and grow confidently.
Getting Strategic About Short-Term Finance
Secured Lending offers a unique perspective because we understand what business owners are up against. Traditional lenders often assess yesterday’s results – but you need a lender that looks at tomorrow’s opportunity.
Whether you’re consolidating high-interest debt or simply seeking a more efficient funding structure, our short-term lending solutions are designed for speed, clarity, and impact. Products include:
Secured Lending can move fast when traditional lenders can’t. We provide solutions that let you take back control and stabilise your financial position.
Call 1300 795 175 or email info@securedlending.com.au to explore how we can assist your business.
