If you’re looking to purchase new equipment for your business, you know how critical timing can be. Whether it’s upgrading machinery, acquiring vehicles, or investing in technology, having the right equipment at the right moment can mean the difference between seizing an opportunity and missing out. Over the years, we’ve advised and assisted many borrowers with equipment purchases, helping them move quickly and confidently when it matters most. A secured loan for equipment purchase is a practical, reliable way to access the funds you need—fast. By leveraging your residential or commercial property as security, you can unlock capital for your business without disrupting your cash flow or waiting weeks for approval. Secured Lending can help you move fast with a secured loan for equipment purchase. Assess your scenario today.
Why Choose a Secured Loan for Equipment Purchase?
When you need to act quickly—perhaps to take advantage of a limited-time offer, meet a project deadline, or replace essential equipment—traditional bank loans can be slow and rigid. A secured business loan, on the other hand, is designed for speed and flexibility. Here’s how it works:
- You use your property as collateral. This could be your home, investment property, or commercial real estate.
- The lender assesses your scenario. Because the loan is secured, approval is typically faster and less dependent on your business’s trading history or credit score.
- Funds are released quickly. With Secured Lending, you can access funding within 24 hours, and in many cases, achieve same day settlement.
This approach gives you certainty and control. You know exactly what you’re borrowing, what it will cost, and when you’ll have the funds. There’s no need to tie up working capital or disrupt your day-to-day operations.
Key Benefits of Secured Loans for Equipment Purchase
- Fast access to capital: When you need to move quickly, speed matters. Secured Lending specialises in urgent settlement, with funding often available within 24 hours.
- Flexible terms: You can structure the loan to suit your needs—short-term or longer, interest-only or principal and interest.
- Competitive rates: Because the loan is secured against property, rates are often lower than unsecured options.
- Preserve cash flow: Rather than depleting your reserves, you can spread the cost of your equipment purchase over time.
- No need for business financials: Approval is based on the value of your security, not your trading history or credit score.
Bridging Loans for Equipment Purchase
Sometimes, you need to bridge a gap—perhaps you’re waiting for a sale to settle, or you have a large invoice due in a few weeks. Business bridging loan options are a type of secured business loan designed for these scenarios. They provide short-term funding to cover your equipment purchase until your longer-term finance or cash flow comes through.
- Secure equipment now, without waiting for other transactions to complete.
- Avoid missing out on time-sensitive deals or auctions.
- Repay the loan when your expected funds arrive, with no early repayment penalties.
Secured Lending has facilitated over $500m in bridging loans and urgent settlement needs, giving business owners the confidence to act decisively.
Why Work with a Private Lender?
Traditional banks can be slow, inflexible, and risk-averse—especially when it comes to business lending. As a Private Lender in Australia, Secured Lending offers a different approach. We operate Australia-wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. As a non-bank commercial lender, we’re not bound by the same red tape or rigid criteria as the big banks.
- Faster decisions: We review your scenario and make decisions quickly—often within hours.
- Personalised solutions: Every business is different. We structure loans to fit your needs, not the other way around.
- Direct communication: You deal with experienced lending specialists, not call centres or automated systems.
- Australia-wide reach: No matter where you’re based, we can coordinate, confirm, and arrange your secured loan for equipment purchase.
How Secured Lending Supports Your Equipment Purchase
We understand the pressures you’re managing—tight timelines, cash flow gaps, and the need to act fast when opportunity knocks. Our role is to remove friction and reduce stress, so you can focus on running your business.
- Review your scenario: We look at your goals, your property security, and your equipment needs.
- Structure the right loan: Whether you need a bridging loan, second mortgage, or another secured business loan, we’ll recommend the best fit.
- Coordinate fast settlement: We handle the paperwork and liaise with your solicitor or broker to ensure same day settlement where possible.
- Confirm funding: Once approved, funds are transferred directly to your account—often within 24 hours.
- Arrange ongoing support: If your needs change, we’re here to help you adjust or refinance as required.
We don’t accept obscure assets as collateral—only residential or commercial property. This keeps the process straightforward and transparent.
How We Can Help
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. We specialise in urgent short term loan solutions such as bridging finance, second mortgage, and caveat loans. We’ve provided strategic lending advice for equipment purchases in the past and can help assess your scenario today. If you’re seeking secured business loans that are fast, flexible, and tailored to your needs, talk to us.
Frequently Asked Questions
1. What types of equipment can I purchase with a secured loan?
You can use a secured loan to purchase a wide range of business equipment, including vehicles, machinery, technology, and specialised tools. The key requirement is that you provide residential or commercial property as security.
2. How quickly can I access funds for my equipment purchase?
With Secured Lending, you can often achieve same day settlement, with funding available within 24 hours of approval. This is ideal for urgent settlement needs or time-sensitive opportunities.
3. Can I use a bridging loan for an equipment purchase?
Yes. Bridging loans are well-suited for equipment purchases when you need short-term funding to bridge a gap—such as waiting for a property sale or invoice payment.
4. What security do I need to provide?
We accept residential or commercial property as collateral for secured business loans. We do not accept other types of assets as security.
5. Do I need to provide business financials or a credit check?
Approval is primarily based on the value of your property security, not your business financials or credit score. This makes the process faster and more accessible for many business owners.
