Meeting payroll obligations is non-negotiable for any business. Your team is your engine, and ensuring they’re paid on time is both a legal requirement and a reflection of your business values. But even the most well-run businesses can face short-term cash flow gaps—whether it’s due to delayed receivables, a sudden opportunity, or a seasonal dip. In these moments, a secured loan for payroll obligations can be the difference between maintaining momentum and facing unnecessary stress. Assess your scenario today.
At Secured Lending, we’ve advised and assisted borrowers across Australia with payroll obligations, helping them move quickly and confidently when timing is critical. If you’re considering your options, here’s what you need to know.
Why Consider a Secured Loan for Payroll Obligations?
A secured loan is a straightforward, practical solution when you need to cover payroll obligations but your cash flow is temporarily tight. By leveraging your residential or commercial property as collateral, you can access the funds you need—often within 24 hours. This approach is especially useful if you’re waiting on a large invoice to clear, managing a short-term project, or navigating a seasonal lull.
- Fast access to funds: When payroll is due, time is of the essence. Secured Lending can arrange same day settlement or funding within 24 hours, so you can meet your obligations without delay.
- Certainty and control: You know exactly what you’re borrowing, on what terms, and for how long. There are no hidden surprises.
- Flexible terms: Whether you need a business bridging loan, a second mortgage, or a short-term secured business loans, the structure can be tailored to your needs.
- Preserve relationships: Paying your team on time maintains trust and stability, both internally and externally.
How Does a Secured Loan Work for Payroll Obligations?
A secured loan uses your property as security. This could be your business premises, an investment property, or your home. The value of the property determines how much you can borrow. Unlike unsecured loans, which rely heavily on credit history and trading performance, a secured loan focuses on the asset’s value—making it a practical option if you need urgent settlement.
The process is simple:
- Review your scenario: We assess your payroll obligations, the amount required, and your available security.
- Structure the loan: We confirm the best loan type—bridging loan, second mortgage, or another secured business loan.
- Coordinate documentation: We handle the paperwork and coordinate with your legal or financial team if needed.
- Confirm settlement: Once approved, funds are released—often on the same day or within 24 hours.
Bridging Loans: A Practical Solution for Payroll
Bridging loans are designed for short-term needs—like covering payroll obligations while you wait for incoming funds. They’re ideal if you have a clear exit strategy, such as a pending property sale, a large invoice due, or a refinancing plan. With a bridging loan, you can keep your business running smoothly, avoid late payment penalties, and maintain your team’s confidence.
Secured Lending has facilitated over $500m in urgent settlement loans, including bridging loans for payroll obligations. Our experience means you get a solution that’s both fast and reliable.
Why Use a Private Lender?
Traditional banks can be slow, especially when you need funding for payroll obligations on a tight timeline. As a Private Lender in Australia, Secured Lending operates nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra—and specialises in urgent, short-term solutions. We’re a non-bank commercial lender, which means we can move quickly, assess your scenario on its merits, and provide funding when others can’t.
Our approach is direct and personal. You deal with decision-makers, not call centres. We understand the pressures of running a business and the importance of certainty when payroll is due.
Real-World Scenarios: When a Secured Loan Makes Sense
- Delayed receivables: You’re waiting on a large payment from a client, but payroll is due this week. A secured loan bridges the gap, so your team is paid on time.
- Seasonal cash flow: Your business is cyclical, and you need to cover payroll during a quieter month. A short-term secured business loan gives you breathing room.
- Growth opportunities: You’ve taken on a new contract and need to hire quickly. A second mortgage or bridging loan provides the upfront capital for payroll, letting you seize the opportunity without delay.
- Unexpected expenses: Equipment breakdown or urgent repairs can drain your working capital. A secured loan ensures payroll isn’t affected.
What Can You Use as Security?
With Secured Lending, you can use residential or commercial property as collateral. We don’t accept other assets like vehicles or inventory—this keeps the process clear and straightforward. The property’s value determines your borrowing capacity, and we work with you to structure a loan that fits your needs and exit strategy.
How We Can Help
Secured Lending is here to remove friction and reduce stress when payroll obligations are on the line. We’ve provided strategic lending advice for payroll obligations in the past and can help assess your scenario—whether you need a bridging loan, second mortgage, or another secured business loan. Our team specialises in urgent, short-term solutions, with same day settlement and funding within 24 hours available.
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 mortgages, and caveat loans.
Frequently Asked Questions
1. How quickly can I access funds for payroll obligations?
With Secured Lending, you can often receive funding within 24 hours, and in some cases, same day settlement is possible.
2. What types of property can I use as security?
You can use residential or commercial property as collateral. We do not accept other asset types.
3. Can I use a secured loan for other business expenses besides payroll?
Yes, secured business loans can be used for a range of business needs, including stock purchases, renovations, or equipment upgrades.
4. What if my business has a short trading history or imperfect credit?
Because the loan is secured against property, approval is based more on the asset’s value than your trading history or credit score.
5. Is Secured Lending a bank?
No, we are a private lender and non-bank lender, operating Australia wide. This allows us to move quickly and provide flexible solutions for urgent settlement needs.
