If you’re navigating a Shareholder settlement or resolving a shareholder dispute, access to timely funding can make all the difference. A second mortgage loan for Shareholder settlement lets you unlock equity in property you already own to meet agreed payouts, maintain control, and keep the business moving. At Secured Lending, we’ve advised and assisted borrowers with this exact need and have facilitated over 200 strategic second mortgages. We can help you move fast with a second mortgage loan for Shareholder settlement. Assess your scenario today.
Why a Second Mortgage Works for Shareholder Settlement
A second mortgage sits behind your existing first mortgage. It uses your available equity as security to raise the funds you need, without disturbing your primary banking relationship or refinancing your main facility mid-transaction. For Shareholder settlement, that matters. You can satisfy settlement terms, complete a buyout, or finalise consent orders while operations continue uninterrupted.
Key Benefits You Can Count On
- Speed and certainty: We prioritise urgent settlement. Where documents and valuations are ready, same day settlement and funding within 24 hours are achievable. This is useful when you’re working to court deadlines, mediation outcomes, or a time-sensitive buyout.
- Keep your bank in place: Leave your first mortgage untouched. A second mortgage lets you raise capital around it, avoiding the delays and covenants that can come with a full refinance.
- Flexible terms: Short terms aligned to your exit (refinance, asset sale, or distributions). Options for interest-only or capitalised interest to protect cash flow during negotiations.
- Outcome focus: Use funds for settlement funding for shareholder disputes, paying out a departing shareholder, or meeting legal costs and obligations arising from the dispute.
- Practical scale: Borrow up to $10 million, with pricing designed for short-term, event-driven needs. For qualifying scenarios, we offer an interest rate of 11.95% (subject to assessment).
- Control and continuity: Preserve ownership structure and momentum. Avoid forced sales or discount outcomes created by urgency.
- A bridge, not a burden: Treat the second mortgage as interim capital. Execute the settlement now and refinance to long-term debt once the dust settles.
What We Look For to Move Quickly
- Security: Residential or commercial property in Australia with sufficient equity. With Secured Lending, borrowers can leverage their residential or commercial property as collateral/security, but we don’t accept other obscure assets as collateral.
- Clarity of purpose: Funds used for a Shareholder settlement or to resolve shareholder disputes.
- Exit strategy: A clean pathway to repay, such as a refinance, sale, dividend, or distributions from retained earnings.
- Documentation: Company constitution, buy-sell agreements, term sheets, or court/mediation documents that confirm the settlement amount and timeline.
How the Process Works
- Review: We assess your security, current first mortgage, and equity position.
- Structure: We confirm the loan amount, term, and repayment method that suits your exit.
- Coordinate: We move quickly on valuation, title checks, and second mortgage documentation.
- Confirm: We issue formal terms and coordinate with your advisors to align with the settlement date.
- Arrange: We fund in line with your timeline, including urgent or emergency requirements.
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. We’re set up for event-driven capital such as bridging loans and secured business loans, where speed, clarity, and control matter more than marketing hype. Our team speaks directly with principals and their advisors to compress timing and reduce friction.
Real-World Scenarios We Regularly Fund
- Buying out a co-founder at short notice after mediation.
- Meeting payment milestones under a consent order without stalling operations.
- Covering legal and settlement costs through to a planned refinance once financials are finalised.
- Bridging between a sale of a non-core asset and the required buyout date.
What This Can Mean for You
- You meet the settlement commitment on time and on your terms.
- Your team and customers experience minimal disruption.
- You keep your primary facilities in place, avoiding a full-bank refinance during sensitive negotiations.
- You retain flexibility to restructure later when long-term funding is clearer.
Transparency on Pricing and Terms
- Rate: For suitable scenarios, we offer an interest rate of 11.95%, with total cost depending on risk, LVR, and term length.
- Amount: Borrow up to $10 million, subject to equity and serviceability/exit.
- Term: Generally 3–24 months, aligned to your exit event.
- Fees: Documented up-front. Early repayment options are available.
Common Borrower Questions Answered
Will a second mortgage affect my bank relationship?
Usually, no. Your first mortgage remains in place. We structure the second mortgage around existing arrangements and coordinate with your advisors to keep covenants intact.
Do I need my first mortgagee’s consent?
It depends on the title and existing facility. In many cases, consent or notification is required. We review this early and coordinate the process so your timeline is protected.
How fast can you fund a Shareholder settlement?
With valuation, title, and documents ready, same day settlement is possible and funding within 24 hours can be achieved. If more work is needed, we still prioritise urgent settlement and keep you updated at each step.
What security do you accept?
We lend against residential or commercial property. We don’t take plant, equipment, shares, crypto, or other obscure assets as security.
How do I repay the loan?
Most clients refinance once the settlement is complete and financials are stabilised, or they repay from asset sales or distributions. We align the term and repayments to that exit, so cash flow remains steady during the transition.
How We Can Help
Secured Lending has facilitated over 200 strategic second mortgage transactions and has provided strategic lending advice for Shareholder settlement in the past. If you need fast, event-driven capital to complete a settlement funding for shareholder disputes, we can review your position, structure the right second mortgage, and coordinate settlement with your legal and tax advisors. Assess your scenario today. 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.
