$20 Million Private Business Loan, Settled Within 1 Week
$20 million private funding for businesses in Australia
Experts in strategic, short-term finance
$20 Million Business Loans: Speed, Certainty, and Strategic Capital
Secured Lending specialises in property-secured business loans from $1 million to $45 million. We offer speed, commercial assessment based on security and exit viability, and the ability to settle within days, without the delays of institutional credit processes.
Key Features of Our $20 Million Facilities
- •Loan sizes from $1 million to $45 million
- •$20 million facilities for acquisitions, takeouts, and restructuring
- •Short-term options including caveats, first or second mortgages
- •Flexible terms from 1 to 24 months
- •Interest rates from 9.7% p.a.
- •Funds available in 24 to 72 hours
Common Use Cases for $20 Million Loans
- •Major commercial property acquisitions
- •Distressed debt exit and refinancing
- •Large-scale deal bridging awaiting institutional finance
- •Liability restructuring at scale
- •Working capital injection for large operations
Why Borrowers Trust Secured Lending for $20M+ Loans
We offer direct credit decision-maker access, fast execution, discretion, and transparency. Our expertise in large private credit means we can structure complex multi-asset facilities that institutional lenders cannot accommodate at speed.
Security Requirements for $20 Million Loans
- •High-value residential or commercial property in metro areas
- •Multiple securities across states
- •Mixed-use developments or construction assets
- •First or second mortgage positions
- •Cross-collateralised securities for complex structures
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
$20 Million Transactions With Bad Credit in the Background
Transactions at $20 million almost always involve a security portfolio, several parties and a history worth explaining. A default on file is part of that history rather than the end of the conversation. We assess the combined LVR inside 70% across all security property, test the exit hard, and reach a credit decision without sending it outside the building.
"A $20 million transaction almost always involves a structured blend of first and second mortgage positions across a portfolio of securities. We build the facility from the ground up: assessing each asset individually, determining the optimal mortgage position on each title, and calculating the blended LVR across the full cross-collateralised pool. The structuring work is detailed, as it needs to be, and borrowers at this level can expect that precision from us at every step."
Gino Tabila
Associate Director
Frequently Asked Questions
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Case Studies
$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
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
$300K Second Mortgage for Dental Practice Working Capital in 5 Days
$700K Working Capital for a Technology Start-Up Settled in 72 Hours
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
Scenarios We Can Help With
Browse our full range of private lending scenarios we can help assist with.