Starting a new business is a bold move. You’re managing cash flow, watching settlement deadlines, and seizing time-sensitive opportunities. But even with a strong business plan and a clear vision, access to capital can be a real hurdle. That’s where a secured loan for startups comes in—a practical, reliable way to unlock funding when you need it most. Assess your scenario today.
Over the years, we’ve advised and assisted borrowers with startups across Australia, helping them secure the right finance to move quickly and confidently. If you’re looking for a way to bridge a cash flow gap, fund a stock purchase, or meet an urgent settlement, a secured loan could be the solution that keeps your momentum going.
What Is a Secured Loan for Startups?
A secured loan is a type of business finance where you use an asset—usually residential or commercial property—as collateral. This security gives lenders confidence, which means you can often access larger amounts, better rates, and faster approvals than with unsecured options.
For startups, this is especially useful. Traditional banks can be slow to move, and they often want to see years of trading history or profitability. A secured business loan, on the other hand, is based on the value of your property, not just your business’s track record. This opens doors for new ventures that need to act quickly.
The Benefits of Secured Loans for Startups
1. Fast Access to Funds
Speed matters in business. Whether you’re facing an urgent settlement, a supplier deadline, or a time-limited opportunity, waiting weeks for approval isn’t an option. With a secured loan, you can often get funding within 24 hours—sometimes even same day settlement. This means you can move on opportunities before they slip away.
2. Larger Loan Amounts
Because the loan is secured against property, you can typically borrow more than with an unsecured loan. This is ideal for startups needing significant capital for stock, equipment, renovations, or expansion.
3. Flexible Use of Funds
Secured business loans aren’t tied to a single purpose. You can use the funds for working capital, bridging cash flow gaps, purchasing inventory, or even covering unexpected expenses.
4. Competitive Rates
The security you provide reduces the lender’s risk, which can translate to more competitive interest rates and terms. This helps keep your repayments manageable as your business grows.
5. Certainty and Confidence
Knowing you have access to fast, reliable funding gives you the confidence to make decisions and move forward. You’re not left waiting on slow approvals or worrying about missing out on key opportunities.
Bridging Loans: A Practical Solution for Startups
Bridging loans are a specific type of secured loan designed for short-term needs. If your startup is waiting on incoming funds—like a grant, investor payment, or the sale of another asset—a business bridging loan can cover the gap. This is especially useful for urgent settlement scenarios, where timing is critical.
For example, if you need to secure a new premises before your current lease ends, or you’re waiting on a large invoice to be paid, a bridging loan gives you the breathing room to manage transitions smoothly. With Secured Lending, bridging loans can be arranged quickly, often with same day settlement, so you can keep your plans on track.
Why Work with a Private Lender?
Traditional banks have their place, but they’re not always built for speed or flexibility—especially for startups. As a Private Lender in Australia, Secured Lending operates nationwide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We’re a non-bank commercial lender, which means we can review, structure, and confirm loans without the red tape.
Private lenders like us focus on practical solutions. We look at the value of your property and the urgency of your needs, not just your business’s age or credit history. This approach allows us to offer fast approvals, funding within 24 hours, and tailored options like second mortgage loans or caveat loans.
How Secured Lending Supports Startups
We understand the pressures you’re managing—tight timelines, cash flow gaps, and the need to act quickly. Our team has facilitated over $500 million in loans for urgent settlement needs, and we specialise in helping startups secure the funding they need to grow.
With Secured Lending, you can leverage your residential or commercial property as collateral. We don’t accept obscure assets—just real property, which keeps the process straightforward and reliable. Our experience means we can review your scenario, structure the right loan, and coordinate settlement fast—often within 24 hours.
Whether you need a bridging loan, a second mortgage, or secured business loans, we’re here to help you move quickly and confidently.
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. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
We’ve provided strategic lending advice for startups in the past, and we’re ready to assess your scenario. If you need fast, flexible funding, we’ll review your needs, confirm your options, and arrange a solution that fits your business goals.
Frequently Asked Questions
1. What types of property can I use as security for a startup loan?
You can use residential or commercial property as collateral. We don’t accept other types of assets.
2. How quickly can I access funds with a secured loan for my startup?
With Secured Lending, you can often receive funding within 24 hours, and in some cases, same day settlement is possible.
3. Can I use a secured loan for any business purpose?
Yes, secured business loans are flexible. You can use the funds for working capital, stock purchases, equipment, renovations, or bridging cash flow gaps.
4. What’s the difference between a bridging loan and a standard secured loan?
A bridging loan is designed for short-term needs, such as covering a gap between transactions or settlements. Standard secured loans can be structured for longer terms.
5. Do you operate outside major cities?
Yes, as a private lender in Australia, we operate Australia wide—including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
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.
