Private Finance for an Urgent $4 Million Business Loan

Fast business funding for $4 million 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.

$4 Million Business Loans with Speed, Structure, and Certainty

Secured Lending specialises in property-secured business loans ranging from $1M to $45M. Our $4 million facilities are designed for acquisitions, refinancing, and growth capital, with rapid decision-making and the ability to settle within 24 to 72 hours.

Core Features of Our $4 Million Facilities

  • •Loan amounts spanning $1M to $45M
  • •Terms from 1 to 24 months
  • •Interest rates from 9.7% p.a.
  • •Quick settlement timelines for urgent scenarios
  • •Caveat loans, bridging, first and second mortgage options

Common Use Cases for $4 Million Loans

  • •Time-critical commercial acquisitions
  • •Debt restructuring and refinancing
  • •Growth capital deployment
  • •Bridging finance arrangements
  • •Exit financing from alternative lenders

Security Requirements

Loans are secured against Australian property including residential, commercial, industrial, retail, and development sites. Multi-property cross-collateralisation is available for complex lending 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

Borrowing $4 Million With Bad Credit on File

A $4 million facility is assessed on the property behind it, the combined LVR inside 70%, and the event that clears the debt. A poor credit file changes none of those tests. It usually explains why the bank stopped, and that is the reason the deal is in front of us. Complex structures, trusts and non-standard income are all normal here.

"A $4 million private lending transaction calls for a lender who knows how to structure and price a facility at that scale without falling back on conservative bank-style restrictions. We look at the security, the debt structure, and the exit, and where those elements stack up, we are confident to commit and fund. We would welcome the chance to look at yours."

Gino Tabila

Gino Tabila

Associate Director

Frequently Asked Questions

For urgent cases with clean security and a clear exit strategy, we can settle within 24 to 72 hours. Contact our team early to begin the assessment process immediately.

Residential, commercial, industrial, retail, and development site properties are accepted. Cross-collateralised multi-property security is also available.

Not necessarily. As a private lender, we focus primarily on security value and exit viability. Complex structures and non-standard income arrangements are regularly considered.

Yes. Refinancing out of expensive or problematic private lending is a common use case at this loan size. We assess promptly and can move fast when timing is critical.

Yes, subject to the combined LVR across first and second mortgage positions remaining within acceptable limits based on the security type and location.

Rates from 9.7% p.a. with terms from 1 to 24 months. The specific rate depends on your LVR, security type, and exit clarity.

It is workable. We look through the structure to whoever stands behind the loan, and a director with defaults on file is not unusual on facilities this size. What we need is clean authority to borrow and to mortgage the property, the trust deed, and a security position inside 70% LVR. The structure itself is never the reason we decline.

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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.