Urgent $10 Million Business Loan Private Finance

$10 million private funding for businesses in Australia

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Experts in strategic, short-term finance

Finance within 24 hours
Loans of $1M to $45M
Rates from 9.7% p.a.
1 to 24 month terms
Secured Lending
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.

$10 Million Business Loans with Speed, Certainty, and Commercial Focus

Secured Lending specialises in high-value property-secured financing from $1 million to $45 million. We are a non-bank alternative offering faster approvals than traditional institutions: no committees, no extended review processes, and deep commercial understanding of deal urgency and settlement timelines.

Key Features of Our $10 Million Facilities

  • •Loan amounts from $1M to $45M
  • •$10M facilities for acquisitions, refinance, and equity release
  • •Short-term funding options: caveats, bridging, first and second mortgages
  • •Terms from 1 to 24 months
  • •Rates from 9.7% p.a.
  • •Approval and settlement in 24 to 48 hours for urgent deals

Common Use Cases for $10 Million Loans

  • •Acquisition finance for commercial or mixed-use assets
  • •Capital extraction from existing property portfolios
  • •Business restructure and liability management
  • •Bridging major deals awaiting longer-term finance
  • •Distressed debt refinance from other lenders

Why Clients Choose Us for $10 Million Loans

We understand the pressures of large transactions: execution confidence, complex deal structuring, multi-asset security arrangements, and tight timelines. Our team has the capability and experience to fund at scale without the delays of institutional credit processes.

Property Security Requirements

  • •High-value commercial or mixed-use property in metro areas
  • •Residential portfolios with cross-collateral security
  • •Regional assets with strong valuations considered
  • •First or second mortgage positions depending on LVR

Million Dollar Loans We Have Funded

  • Client success #1: $4M, land bank site acquisition after the original lender pulled out, settled in 24 hours, NSW
  • Client success #2: $3M, working capital for an IT business expansion, settled in 2 business days, Cronulla NSW
  • Client success #3: $2.4M, working capital for wages and supplier invoices, settled in 4 business days, Western Sydney NSW
  • Client success #4: $1.9M, commercial property acquisition, settled in 5 business days, Brighton VIC
  • Client success #5: $1.88M, bridging loan to rescue a settlement, settled in 48 hours, Gymea Bay NSW
  • Client success #6: $1.2M, second mortgage equity release for a time-critical commercial deal, settled in 24 hours, Inner Sydney NSW
  • Client success #7: $1.15M, ATO tax debt cleared for a pub operator, settled in 4 business days, Prahran VIC
  • Client success #8: $1.1M, developer cash injection after bank progress payments stalled, settled in 72 hours, Granville NSW

$10 Million Facilities and Bad Credit History

A facility at this level is written against a property portfolio and a defined exit, not a credit score. Borrowers reaching us at $10 million are often mid-transaction with a lender that changed its appetite, and the file shows the strain. We assess the combined position inside 70% LVR, value the security with our own team, and decide in-house.

"At $10 million we are typically working with a cross-collateralised structure across multiple properties, often a mix of first and second mortgage positions depending on the existing debt on each asset. We model the blended LVR across the full security pool, stress-test the exit against realistic timelines, and structure the facility to sit comfortably inside 70% on a portfolio basis. That level of structuring is where genuine credit capability shows, and it is the kind of deal we really enjoy getting right with our clients."

Gino Tabila

Gino Tabila

Associate Director

Frequently Asked Questions

For urgent deals with clean security and a defined exit, approval and settlement within 48 hours is possible. We assess based on security strength and exit viability, not lengthy approval committees.

High-value commercial, mixed-use residential, industrial portfolios, and multi-asset cross-collateralised securities are all accepted. We also consider regional assets with strong valuations.

Yes, subject to the combined LVR across first and second mortgage positions being within acceptable limits for the security type.

The maximum is 70% LVR, the same ceiling that applies at every loan size. Larger facilities are assessed on the strength of the security and the exit, not on a different LVR band.

Yes. We work extensively with finance brokers for large transactions. Submit a deal summary and we will respond with an indicative position quickly.

Acquisitions, capital extraction, business restructuring, major deal bridging, and distressed debt refinance are the most common purposes at this loan level.

No. What sets the timeline at $10 million is the number of titles, whether company or trust borrowers need resolutions, and how quickly payout figures come back from outgoing lenders. Straightforward files settle within 24 to 72 hours. A credit report is read once, early, and never sits in the settlement path.

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$500M+ funded

Get an indicative offer within hours, not weeks.

No credit check. No obligation.

Why Secured Lending?

✓Australian private lender, $500M+ funded
✓We use our own funds for fast decisions
✓24-hour settlements up to $10M
✓Rates from 9.7% p.a. | Terms 1–24 months

Are you a broker? Find out why brokers love working with us.

The team

Who you will be dealing with

On a facility of this size you deal directly with the people who make the credit decision. There is no call centre, and no committee sitting between you and an answer.

Mark Hutchins

Mark Hutchins

Mark is the Managing Director of Secured Lending and is responsible for the group’s strategies, operations and growth of the loan portfolio.

Gino Tabila

Gino Tabila

Gino has over 15 years’ experience in corporate accountancy, financing and turnaround work. He has worked in alternative lending for the past 5 years, with considerable experience in finding short-term finance solutions for clients and a depth of knowledge as to the speed and requirements involved.

Daniel Juratowitch

Daniel Juratowitch

Daniel brings a wealth of distressed-asset experience, having been a registered liquidator and trustee in bankruptcy for over 20 years. He is also a Chartered Accountant and CEO of Cor Cordis, a leading insolvency firm in Australia. Daniel brings firsthand experience with enforcement for lenders and understands intricately the relationship between an asset’s market value and its worth under distressed situations.

Success Stories

Case Studies

View all case studies
$400K Second Mortgage Repaid in Full After a Flexible Two-Month Extension
Second Mortgage
$400K Second Mortgage Repaid in Full After a Flexible Two-Month Extension
$1.8M First Mortgage Releases $980K of Working Capital for a Solar Business
First Mortgage
$1.8M First Mortgage Releases $980K of Working Capital for a Solar Business
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
Second Mortgage
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
First Mortgage
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
$300K Second Mortgage for Dental Practice Working Capital in 5 Days
Second Mortgage
$300K Second Mortgage for Dental Practice Working Capital in 5 Days
$700K Working Capital for a Technology Start-Up Settled in 72 Hours
First Mortgage
$700K Working Capital for a Technology Start-Up Settled in 72 Hours
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
First Mortgage
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
First Mortgage
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
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Scenarios We Can Help With

Browse our full range of private lending scenarios we can help assist with.