If you’re running a business in Australia, you know that cash flow is the lifeblood of your operations. Even the most successful businesses can face short-term cash gaps, especially when waiting on large invoices to be paid. Whether you’re managing a time-sensitive opportunity, a settlement deadline, or simply need to keep your operations moving, a secured loan for large invoice funding can be a practical, fast, and reliable solution. At Secured Lending, we’ve advised and assisted borrowers with large invoice funding for years, helping them bridge the gap between invoicing and payment with confidence. Assess your scenario today.
Why Consider a Secured Loan for Large Invoice Funding?
Large invoices can tie up significant capital. You’ve delivered the goods or services, but payment terms—often 30, 60, or even 90 days—can leave you waiting. Meanwhile, your business still needs to pay suppliers, staff, or take advantage of new opportunities. This is where a secured business loan comes in.
A secured loan uses your residential or commercial property as collateral, allowing you to access funds quickly—often with same day settlement or funding within 24 hours. This is especially useful for urgent settlement needs, where waiting for traditional bank approval simply isn’t an option.
- Speed: Fast approval and funding within 24 hours, so you can act on opportunities or cover expenses without delay.
- Certainty: Secured against property, these loans offer higher approval rates and larger loan amounts.
- Flexibility: Use the funds for any business purpose—paying suppliers, covering payroll, purchasing stock, or investing in growth.
- Short-Term Solution: Ideal for bridging cash flow gaps until your invoice is paid, without locking you into long-term debt.
How Secured Lending Supports Large Invoice Funding
At Secured Lending, we specialise in urgent, short-term lending solutions. We understand the pressure of waiting on large invoices and the need to move quickly. Our team reviews your scenario, structures the right loan, coordinates the process, and confirms settlement—often within the same day.
We’ve facilitated over $500 million in loans for urgent settlement needs, including large invoice funding. Our experience means we know how to move fast, while ensuring your interests are protected.
Real-World Scenarios
- Cash Flow Gaps: You’ve issued a $500,000 invoice to a major client, but payment is 60 days away. Meanwhile, you need to pay your suppliers this week. A secured loan bridges the gap, keeping your business running smoothly.
- Settlement Deadlines: You’re finalising a property purchase or business acquisition, but a large invoice payment is still pending. Fast, secured funding ensures you don’t miss out.
- Growth Opportunities: A new contract requires upfront investment in stock or equipment. Rather than waiting for invoice payment, you can access funds now and repay when the invoice clears.
Bridging Loans: A Practical Option for Invoice Funding
Bridging loans are a type of secured business loan designed for short-term needs—like covering the period between issuing a large invoice and receiving payment. They’re structured for speed and flexibility, with terms typically ranging from one to twelve months.
With a business bridging loan, you can:
- Secure funding within 24 hours, often with same day settlement.
- Use your property as collateral, ensuring higher approval rates.
- Repay the loan as soon as your invoice is paid, minimising interest costs.
Bridging loans are particularly useful when timing is critical—such as meeting payroll, securing a new contract, or finalising a property settlement.
Why Work with a Private Lender?
Traditional banks can be slow, rigid, and risk-averse—especially when it comes to short-term, urgent funding. 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, which means we can review, structure, and arrange secured business loans quickly and efficiently.
Our process is straightforward:
- Review: We assess your scenario and property security.
- Structure: We tailor the loan to your needs—amount, term, and repayment plan.
- Coordinate: We handle the paperwork and coordinate with your legal or financial team.
- Confirm: We arrange fast settlement, often within the same day.
This approach gives you certainty, speed, and the flexibility to move forward—without the delays and uncertainty of traditional lenders.
How Secured Loans Work for Large Invoice Funding
Secured loans for large invoice funding are simple in structure:
- Collateral: You use your residential or commercial property as security. We don’t accept other assets, ensuring a clear, reliable process.
- Loan Amount: Based on the value of your property and the size of your invoice.
- Term: Short-term, typically 1-12 months, designed to be repaid when your invoice is paid.
- Repayment: Flexible options, including interest-only or lump sum repayment at the end of the term.
This structure gives you the confidence to act quickly, knowing you have a clear exit strategy when your invoice is paid.
How We Can Help
Secured Lending has provided strategic lending advice for large invoice funding across Australia. We understand the pressures of cash flow gaps, settlement deadlines, and time-sensitive opportunities. Our team specialises in urgent short-term loan solutions, including bridging finance, second mortgage, and caveat loans. We review your scenario, structure the right loan, and coordinate fast settlement—so you can move quickly and confidently.
Secured business loans from Secured Lending are a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently.
Frequently Asked Questions
1. What types of property can I use as security for a secured loan for large invoice funding?
You can use residential or commercial property as collateral. We do not accept other types of assets.
2. How quickly can I access funds for large invoice funding?
With Secured Lending, you can often receive funding within 24 hours, with same day settlement possible for urgent cases.
3. Can I repay the loan early if my invoice is paid sooner than expected?
Yes, our loans are flexible and can be repaid early without penalty, saving you on interest costs.
4. What if my business is based outside a major city?
We operate Australia-wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We can assist you wherever your business is located.
5. Is a secured loan suitable if I have multiple large invoices pending?
Yes, we can structure a loan based on the total value of your outstanding invoices and the available equity in your property. We’ll review your scenario and arrange the best solution for your needs.
