If you’re pursuing a time-sensitive business acquisition and need a clear, fast capital solution, a second mortgage can be the practical answer. At Secured Lending, we’ve advised and assisted borrowers with a second mortgage loan for business acquisition many times — including funding to acquire operating businesses — and have facilitated over 200 strategic second mortgages. When the deal window is tight, we can help you move fast. We’re set up for same day settlement in suitable cases, with funding within 24 hours where documentation and valuation are in place. Assess your scenario today.
What a Second Mortgage Is — and Why It Helps You Buy an Operating Business
A second mortgage is additional finance secured against property you already own, sitting behind your first mortgage. Instead of disturbing your primary bank facility, you unlock equity to cover:
- Purchase deposits and completion funds
- Working capital for Day 1 (payroll, stock, supplier terms)
- Integration costs (systems, minor refurbishments, equipment)
- A shortfall where your senior lender or vendor finance won’t stretch
It’s straightforward, purpose-fit, and often faster than reworking a first mortgage. You keep your banking relationships intact while securing the capital to close.
Key Benefits for a Business Acquisition
- Speed and certainty: Move quickly when you find the right business. We can coordinate urgent settlement with streamlined due diligence, and where everything is aligned, enable same day settlement and funding within 24 hours.
- Preserve existing facilities: No need to refinance your first mortgage or risk delays with a full bank reassessment at the wrong time.
- Flexibility on use of funds: From topping up the purchase price to stabilising the first 90 days of trading, second mortgage funds give you breathing room to control the transition.
- Cash-flow friendly structuring: Options that suit a short ownership transition period and a clear refinance or sale event.
- Complementary to other solutions: Works alongside vendor finance, asset finance, and bridging loans to complete the stack efficiently.
- Scale when you need it: Depending on equity and asset position, you can borrow up to $10 million to complete the acquisition with confidence.
Where a Second Mortgage Fits Best
- You’ve negotiated a strong deal, but the bank can’t move in time to meet the seller’s deadline.
- You’re buying an operating business with solid fundamentals, and you want to refinance to a long-term bank facility after the first 6–12 months of ownership.
- You need a deposit now to secure terms, then finalise senior bank debt on completion.
- You’re bridging between signing and completion, or covering an earn-out adjustment.
- You want to avoid cross-collateralising every asset with your primary bank.
Simple Mechanics, in Plain Language
- Security: We secure the loan against residential or commercial property you own (single title or multiple). With Secured Lending, borrowers can leverage their residential or commercial property as collateral/security, but we don’t accept other obscure assets as collateral.
- Term: Short-term by design, matched to your exit plan (refinance to bank debt, sale of an asset, or internal cash flow).
- Pricing: Transparent, with options from an interest rate of 11.95%. We’ll confirm total costs upfront so you can model cash flow with confidence.
- Process: Indicative terms quickly, valuation fast-tracked, legal docs issued, and settlement coordinated around your timeline.
Use Cases We See Often
- Deposit funding to lock in exclusivity with an urgent seller
- Topping up a bank-approved facility to reach the purchase price
- Bridging a timing gap between completion and bank refinance
- Providing working capital for the first 90 days to stabilise operations
- Covering stamp duty and transaction costs without draining liquidity
Private Lender, Australia-wide
As a private lender in Australia and a non-bank lender, Secured Lending operates nationally — Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. You work directly with decision-makers. That means fast reviews, clear structuring, and practical support when timing is tight or the acquisition is complex. If you’re facing an urgent or emergency deadline, we step in to coordinate valuation, confirm terms, and arrange settlement to keep your deal on track. We also provide secured business loan and bridging loans where that structure better suits your transaction.
What This Means for Your Acquisition Timeline
- Day 0–1: Share the essentials — property, equity position, target business details, intended exit.
- Same day: Receive indicative terms (subject to valuation and standard checks).
- Day 1–2: Valuation and legals coordinated; we confirm settlement figures.
- Funding within 24 hours of final approval where documentation and consent (if required) are ready.
Why Choose a Second Mortgage Over Extending Your Bank Facility?
- Time: Bank credit processes can take weeks; sellers rarely wait.
- Control: You set the pace without disturbing your existing banking lines.
- Fit: You need a temporary, targeted solution for a specific acquisition event — not a full restructure.
How We Think About Risk — and Help You Manage It
- We review the equity in your property, the quality of the target business, and your exit strategy. Simple, direct, and commercially minded.
- We de-risk your timeline by coordinating stakeholders early — valuer, solicitor, and, if needed, first mortgagee consent.
- We keep the structure clean so it’s easy to refinance to mainstream bank debt when the time is right.
How We Can Help
Secured Lending has advised and assisted borrowers with second mortgage loan for business acquisition repeatedly, including funding to acquire operating businesses where speed and precision mattered. We’ve facilitated over 200 strategic second mortgages, and we’re comfortable working alongside your accountants and advisors to structure a clear path from acquisition to refinance. Expect direct conversations, a steady process, and timelines you can rely on. If you need an urgent settlement or simply want options, we’ll review, structure, coordinate, confirm, and arrange the finance so you can execute your plan. 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
1) When does a second mortgage make more sense than increasing my bank facility?
When timing is tight, documentation is still evolving, or your bank isn’t ready to extend. A second mortgage gives you targeted funds to complete the acquisition now, with a clear path to refinance later when the bank can move.
2) What security do you accept?
We accept residential and commercial property as security. We don’t accept other obscure assets as collateral. Multiple properties can be used to build the required equity for the loan.
3) How quickly can you settle?
We prioritise speed. With valuations and documents ready, same day settlement is possible, and funding within 24 hours can be arranged. The fastest outcomes happen when title details, rates notices, and company docs are on hand early.
4) How is pricing structured?
We provide transparent terms, typically with an interest rate of 11.95% depending on scenario, security, and timeline. Fees and costs are confirmed upfront so you can model your acquisition and exit plan with confidence.
5) What’s a practical exit strategy after the acquisition?
Common exits include refinancing to a major bank once trading stabilises, selling a non-core property, or using retained earnings after integration. We’ll review your plan early to ensure the term aligns with your timeline.
