$5 Million Business Loan, Funding Available This Week

Private funding for $5 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.

$5 Million Business Loans with Certainty and Speed

Secured Lending specialises in rapid, property-backed business financing for large amounts. We are a private lender offering alternatives to traditional banks, emphasising speed and practical risk assessment rather than bureaucratic processes.

Key Features of Our $5 Million Facilities

  • •Loans from $1 million to $45 million
  • •$5 million facilities for acquisitions, large refinances, or liquidity needs
  • •Short-term structures including caveat loans, bridging, and mortgages
  • •Loan terms from 1 to 24 months
  • •Interest rates from 9.7% p.a.
  • •Settlement in 1 to 5 business days for qualified files

Common $5 Million Loan Use Cases

  • •Property acquisition and commercial settlements
  • •Large-scale refinancing of existing facilities
  • •Capital release from existing property portfolios
  • •Bridging finance between transactions
  • •Rescue funding from problematic lender arrangements

Why Borrowers Trust Secured Lending

Our senior credit specialists have extensive experience in property-backed lending at the $5 million level. We offer direct decision-maker access and established broker relationships, with a track record of funding complex deals others won't touch.

Security Requirements

  • •Australian property: residential, commercial, industrial, or retail
  • •Multiple securities across different titles or locations
  • •Cross-collateralised properties for complex deal structures
  • •First or second mortgage positions depending on risk and 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

$5 Million Loans for Borrowers With Bad Credit

At $5 million we are usually looking at more than one property and more than one lender already in the picture. A credit file with defaults on it does not stop that deal. It shapes how we structure the exit. Combined LVR stays inside 70%, our own valuers assess the security directly, and an asset-backed file does not need full financial statements.

"A $5 million facility is often structured across multiple securities, with a blended first and second mortgage position to optimise the LVR across the portfolio. We assess each security individually, calculate the blended LVR, and structure the facility to make the most efficient use of the available equity. Where the security schedule is clean and the exit is documented, we can reach a credit decision within 24 hours, and we are glad to walk you through the structure."

Gino Tabila

Gino Tabila

Associate Director

Frequently Asked Questions

For qualified files with clear security and a defined exit, approval and settlement can occur within 24 to 72 hours. We prioritise urgent deals and work to your timeline.

Residential, commercial, industrial, and retail properties are all accepted. Portfolio security across multiple assets is regularly structured at this loan level.

Yes. Exiting unfavourable or high-cost private lending arrangements is a common scenario for $5 million borrowers. We assess quickly and can replace the facility fast.

Requirements vary based on complexity, but we focus primarily on the security property and your exit strategy. Our team will guide you through exactly what is needed for your specific scenario.

Yes. Second mortgage facilities at $5 million are available subject to acceptable combined LVR across both positions.

Rates from 9.7% p.a. with terms of 1 to 24 months. The rate offered reflects your LVR, security type, exit strategy, and deal complexity.

Title and valuation evidence on every property in the security, the borrowing entity structure and its authority to borrow, payout figures for anything being cleared, and documented proof of the exit. A signed sale agreement, a term sheet from an incoming lender, or a settlement date. At this size the exit evidence matters far more than the trading history.

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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.