Emergency Business Loans, Funded Fast

Urgent business funding from $250k to $45 million, for when time is not on your side

Experts in strategic, short-term finance

Rated 5 out of 5Jason Vergara

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.95% p.a.

Terms

1 to 24 months

At Secured Lending, we specialise in emergency business loans backed by property, from $250,000 up to $45 million. We deliver fast capital when banks can't move quickly enough, often settling within days. We're not a general lender. We are a specialist. No box-ticking, no slow-moving committees, just experienced decision-makers who understand urgency and know how to execute.

Emergency Loan Features

•Loan amounts from $250,000 to $45 million
•Short-term solutions including bridging loans, caveat finance, first and second mortgages
•Terms from 1 to 24 months
•Funding from 9.95% p.a.
•Settlements in as little as 24 hours
•Property-secured loans: residential, commercial, or mixed

Common Emergency Loan Scenarios

•Bridging finance for time-sensitive property settlements
•Tax debt loans to avoid ATO penalties, interest, or legal action
•Refinance from distressed lenders or predatory loan structures
•Second mortgages to unlock equity for urgent cash flow needs
•Large business loans for fast capital injections to cover payroll, inventory, or growth

Why Borrowers Trust Secured Lending

Our team are seasoned professionals with deep experience in commercial finance, property, and urgent capital solutions. We fund from our own pool, so there are no delays chasing investor capital. Our internal property team values deals quickly and decisively, and we've built a reputation for reliability, not red tape.

Security Requirements

All emergency business loans are backed by real property. We consider:

•Prime residential or commercial assets
•Multi-property portfolios
•Regional or metro security
•First or second mortgage positions depending on structure
•Cross-collateralisation and custom security arrangements

Emergency Business Funding When You Have Bad Credit

An emergency and a damaged credit file usually arrive in the same month, which is exactly when the banks stop returning calls. We fund from our own money against the equity in your property, to 70% LVR, from 9.95% p.a. You do not need a polished application to start. Title details, the amount you need, and how the loan gets repaid is enough.

→How urgent private finance is assessed →What we can fund when the credit file is damaged

Industries

Industries We Service

Emergency business loans for pubs, hotels and venues

An emergency business loan funds the recovery when something has already gone wrong: a fire, a flood, a failed cool room, a kitchen that cannot open. We lend against the venue, or a director's property where the venue is leasehold.

It is repaid from the trade that resumes once the doors reopen, or by an insurance settlement once the claim is paid. Insurance pays eventually. Wages, suppliers and rent do not wait for it, and this is the facility that covers the gap until the insurer pays.

An emergency business loan can help you:

Reopen after a fire, a flood, or a failed cool room
Cover wages and suppliers while the doors are shut
Fund a repair the insurer has not yet approved
Bridge to an insurance settlement that has not landed
Replace equipment that has failed mid-service
Keep staff on the books through a forced closure

Private lending for Hospitality

An emergency business loan can help you:

Reopen after a fire, a flood, or a failed cool room
Cover wages and suppliers while the doors are shut
Fund a repair the insurer has not yet approved
Bridge to an insurance settlement that has not landed
Replace equipment that has failed mid-service
Keep staff on the books through a forced closure

Private lending for Hospitality

"When a business is in a cash flow crisis, the asset is what carries the deal, and that takes a lot of the pressure off. Where there is sufficient equity in the property and the LVR supports the facility, we can have funds moving within 24 hours. You do not need a polished application to come to us; with the title details, the loan amount, and a repayment plan, we can get started."

Gino Tabila

Associate Director

Frequently Asked Questions

We can move fast. In some cases funds are ready for settlement within 24 to 48 hours. If the security is sound and we have what we need, we prioritise urgent deals to ensure you don't miss out on critical opportunities.

Yes. We work with borrowers who've been let down by banks or delayed by red tape. We fund from our own pool, so we don't wait on third-party approvals. We act fast, especially when timing is make-or-break.

Yes. We regularly structure second mortgage facilities and cross-collateralise multiple properties to unlock equity quickly. If there's real value in the security, we'll find a way to make it work.

Absolutely. We fund urgent tax debt loans and settlement rescue finance every week. We understand the stress of looming deadlines, and we prioritise these scenarios to protect your business and assets.

Yes. We specialise in refinancing overpriced, non-performing, or predatory facilities. If you're stuck in a loan that's draining cash flow or putting your assets at risk, we can move quickly to replace it with a short-term, property-backed facility that makes commercial sense.

No. We pull the report in the same pass in which our own valuers assess the property, so it runs alongside everything else rather than gating it. What slows a file down is a title we cannot get information on, a caveat nobody mentioned, or an exit that changes halfway through. A poor report on its own does not.