If you’re considering acquiring a competitor, you already know the stakes are high. The right move can transform your business, open new markets, and deliver a strategic edge. But timing is everything. Opportunities to purchase a competitor rarely wait for slow approvals or drawn-out funding. That’s where a secured loan for purchasing a competitor comes in—offering the speed, certainty, and flexibility you need to act decisively.
At Secured Lending, we’ve advised and assisted borrowers across Australia with purchasing a competitor. We understand the unique pressures and timelines involved, and we know how to structure finance that works for you—not against you.
Secured Lending can help you move fast with a secured loan for purchasing a competitor. Assess your scenario today.
Why Use a Secured Loan for Purchasing a Competitor?
A secured loan is a straightforward way to unlock the value in your existing assets—usually residential or commercial property—to fund a business acquisition. By using property as collateral, you can access larger loan amounts, lower interest rates, and more flexible terms than unsecured options.
When you’re purchasing a competitor, these benefits matter:
- Speed: You need to move quickly to secure the deal before someone else does.
- Certainty: You want to know your funding is locked in, so you can negotiate with confidence.
- Flexibility: You may need a short-term solution while you arrange longer-term finance or restructure your new, larger business.
Secured Lending specialises in urgent settlement needs, including same day settlement and funding within 24 hours. We’ve facilitated over $500m in loans for business owners facing tight deadlines and complex scenarios.
The Benefits of Secured Loans for Acquisitions
Let’s break down why a secured business loans is often the best fit for purchasing a competitor:
- Higher Loan Amounts: By leveraging your property, you can access more capital than with unsecured loans—often up to 70% of the property’s value.
- Lower Interest Rates: Secured loans typically offer more competitive rates, reducing your cost of capital.
- Fast Approval and Settlement: With a private lender like Secured Lending, you can achieve same day settlement or funding within 24 hours, so you don’t miss out on time-sensitive opportunities.
- Short-Term Solutions: Many acquisitions require bridging finance—a short-term loan to cover the gap between purchase and longer-term funding. Secured loans are ideal for this purpose.
- Simple Process: We focus on clear, direct communication and minimal paperwork, so you can focus on the deal, not the admin.
Bridging Loans: Covering the Gap
When you’re purchasing a competitor, timing rarely lines up perfectly. You may need to settle quickly, but your bank or other funding sources aren’t ready. That’s where business bridging loan solutions come in.
A bridging loan is a short-term secured loan designed to “bridge” the gap between your immediate need and your longer-term finance. For example, you might use a bridging loan to settle the acquisition, then refinance with a traditional lender once the dust settles.
Secured Lending can arrange bridging loans using your residential or commercial property as security. We move fast—often with same day settlement—so you can meet urgent settlement deadlines and keep negotiations on track.
Why Choose a Private Lender?
Traditional banks can be slow, rigid, and risk-averse—especially when it comes to business acquisitions. As a Private Lender in Australia, Secured Lending offers a different approach.
We’re a non-bank commercial lender operating Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. Our focus is on speed, flexibility, and personal service. We review your scenario, structure the loan to fit your needs, and coordinate everything for a smooth, fast settlement.
With Secured Lending, you’re not just a number. You get direct access to decision-makers, clear answers, and a lending partner who understands the realities of business in Australia.
How Secured Lending Supports Your Acquisition
When you work with Secured Lending, you get more than just funding. You get a team that understands the urgency and complexity of purchasing a competitor. Here’s how we help:
- Review: We assess your scenario quickly, looking at your property, the acquisition, and your goals.
- Structure: We design a secured business loan that fits your timeline and cash flow.
- Coordinate: We work with your legal and financial advisors to ensure a smooth process.
- Confirm: We provide clear, written terms so you know exactly where you stand.
- Arrange: We move fast—often with same day settlement or funding within 24 hours.
You can leverage your residential or commercial property as collateral. We don’t accept other obscure assets, which keeps the process simple and predictable.
How We Can Help
Secured Lending has provided strategic lending advice for purchasing a competitor in the past, and we’re ready to help you assess your scenario. Whether you need a bridging loan, a second mortgage, or a secured business loan, we offer fast, flexible solutions tailored to your needs.
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.
Frequently Asked Questions
1. How quickly can I get funding for purchasing a competitor?
With Secured Lending, you can achieve same day settlement or funding within 24 hours, depending on your scenario and the property used as security.
2. What types of property can I use as collateral?
You can use residential or commercial property as security for your loan. We do not accept other types of assets.
3. Can I use a secured loan as a bridging loan for an acquisition?
Yes, secured loans are ideal for bridging finance, allowing you to settle quickly while arranging longer-term funding.
4. Do you operate outside major cities?
Yes, as a private lender in Australia, we operate nationwide—including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
5. What’s the difference between a second mortgage and a secured business loan?
A second mortgage is a loan secured against property that already has an existing mortgage, while a secured business loan can be structured as a first or second mortgage depending on your needs. Both can be used for purchasing a competitor.
