Refinance Private Business Loans, Funded Fast

Most business loan refinances come to us under pressure. The lender won't extend. The balloon is due. The rate from a non-bank facility is no longer sustainable. Whatever the trigger, if you need to exit your current loan fast and you have property to secure the new facility against, Secured Lending can move while others are still assessing your file.

Why Private Lender Refinance Works When Banks Can't

Banks refinance on their own timeline: credit committee, full financials, serviceability testing, and weeks of waiting. That process has no tolerance for urgency, imperfect trading history, or loan structures that don't fit a standard box.

Secured Lending is a private, non-bank lender that uses its own funds. We assess the strength of your security property and your exit plan, not whether your P&L fits a bank template. That means we can give you a decision in hours, issue a Letter of Offer immediately, and settle within 24 hours for qualifying loans.

We have facilitated over $500 million in loans across Australia. Business loan refinance, particularly time-critical refinance where the existing lender is applying pressure, is work we do regularly.

"The refinance deals that come to us have usually already been declined somewhere else, or the borrower has run out of runway with their current lender. What we look at first is the security and the exit. If those stack up, we can generally move fast enough to make a difference."

Gino Tabila, Associate Director, Secured Lending

What Secured Lending Offers for Business Loan Refinance

We provide short-term, property-secured refinance facilities structured to get you out of a position that isn't working and into one that gives you time and control.

• •Loan sizes from $250,000 to $10,000,000
• •Rates from 9.7% p.a.
• •Loan terms from 1 to 24 months (typical: 3 to 6 months)
• •First mortgage and second mortgage refinance
• •Settlement within 24 hours for qualifying applications
• •No need for full financials: we assess on security and exit strategy
• •Refinance of private lender facilities, caveat loans, and non-bank debt
• •Refinance of loans in arrears, default, or nearing expiry

We lend nationally across Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra, against residential investment property, commercial premises, development sites, and non-standard security where sufficient equity exists.

Who Uses Private Lender Refinance

The borrowers who come to us for refinance are not all in the same position, but they share one thing: their current loan has stopped working for them, and they need a fast exit.

• •Your current lender won't renew or extend the facility at the end of term
• •You are facing a balloon payment you can't clear from cash flow
• •Your loan is in arrears or technical default and you need to refinance before enforcement begins
• •You are paying a non-bank rate that made sense short-term but is now unsustainable
• •Your lender has changed their appetite and wants you out
• •You need to consolidate a first and second mortgage into a single, cleaner facility
• •A bank refinance is the eventual goal, but you need a private bridge to get your position clean first

In each of these scenarios, time is the variable that determines whether refinance is still possible. The earlier you act, the more options you have. Once enforcement proceedings begin or a lender appoints a receiver, the window narrows significantly.

Why Refinance Your Business Loan?

Refinancing a business loan allows you to:

• •Lower your interest rate or switch from variable to fixed
• •Extend the loan term to reduce monthly repayments
• •Exit from a private lender or non-bank facility
• •Access additional working capital using your property equity
• •Restructure debt for improved cash flow and business growth

Secured Refinance Options We Offer

We provide short-term, property-secured refinance facilities from $250,000 to $10,000,000. Refinancing options include:

• •Bridging loans to refinance expiring business debt
• •Caveat loans for urgent refinance scenarios
• •First mortgage and second mortgage refinance
• •Refinance of private lending, caveat facilities, or ballooning repayments
• •Business loan consolidation and restructuring

Discharging and Paying Out a Second Mortgage

A second mortgage discharge is the release of the second-ranking charge from your title once that lender has been paid out in full. It happens at settlement rather than before it. The payout figure is requested from the existing second mortgagee, the funds are sent on the day, and the discharge is lodged with the titles office in that state. Until the lodgement goes through, the charge is still registered.

There are two ways we do it. Where your first mortgage is working and you want to keep it, we pay out the second and register in that position behind the existing first. Where both facilities are under pressure, or the blended cost of running two no longer makes sense, we clear the first and the second together and hold a single first mortgage instead. The second route is cleaner and usually cheaper to service, though it needs enough equity to carry the combined debt inside 70% LVR.

• •Pay out a second mortgagee who will not extend at the end of term
• •Discharge a caveat or a second registered behind a first that is still performing
• •Consolidate a first and a second into one first mortgage position
• •Clear arrears sitting on the second before enforcement begins
• •Replace a second mortgage priced for a shorter term than you turned out to need
• •Refinance where the first mortgagee will not consent to a variation

Commercial Refinance With Equity Release

A refinance does not have to stop at the payout figure. Where the property is worth more than the debt registered on it, the new facility can be written above what is needed to clear the outgoing lender, with the difference released to you at settlement. On commercial and industrial security that is often the quickest way to fund a deposit, a tax position or a working capital gap without arranging a separate facility to do it.

One constraint governs the size of the release. The total of the payout, the cash out and the costs has to sit inside 70% of assessed value. Where a single title will not carry that, a second property can be added as additional security. Our valuers are in house, so you get the number the security actually supports early in the conversation rather than at the end of it, and that number is usually what decides whether the refinance is worth doing.

• •Draw working capital at the same time as clearing the existing lender
• •Fund a deposit on the next property from equity in the one you hold
• •Release cash against a commercial or industrial property you already own
• •Clear an ATO position as part of the refinance rather than after it
• •Add a second property as security where one title will not carry the total
• •Take the release as a lump sum on the settlement date

Common Refinance Scenarios

Our clients come to us when:

• •Their loan term is ending and the lender isn't renewing
• •Repayments are unsustainable due to rising interest rates
• •Their facility is in default and time is running out
• •They need funds urgently to cover a balloon payment
• •Their current lender won't extend or negotiate

What Property Can I Use?

We accept a wide range of security types, including:

• •Residential investment property
• •Commercial premises
• •Development sites
• •Multiple securities (cross-collateralised)
• •Partially completed construction projects

How Fast Can Secured Lending Settle a Business Loan Refinance?

For straightforward applications with clear security and a documented exit, Secured Lending can reach settlement within 24 hours. That is not an aspirational figure. It reflects the structural advantage of lending our own funds, maintaining an in-house property valuation team, and running a process built around fast decisions.

Most borrowers receive an indicative answer within hours of submitting their scenario. If we are proceeding, a Letter of Offer is issued immediately. From there, the timeline to settlement depends on how quickly documents and valuation access can be arranged.

If your current loan is expiring in days rather than weeks, call us on 1300 795 175. Don't submit a form and wait. Call directly and we will tell you within the conversation whether we can help and at what speed.

Refinancing is not always the right instrument. Where the problem is several facilities at several rates rather than one facility that has stopped working, debt consolidation is the closer fit. Where more than one debt has to be cleared in a particular order because the position is already under pressure, that is a restructure.

Refinancing a Business Loan With Bad Credit

A lender declining to renew usually leaves a mark, and by the time you are looking for a replacement the file already shows arrears. That is the position we refinance from most often. We assess the equity in the security property, the debt being cleared and the exit, then move. Rates from 9.7% p.a., 70% LVR, and no full financial statements on an asset-backed refinance.

Industries

Industries We Service

Property DevelopmentReal Estate and Property InvestorsHospitalityConstructionManufacturingAgricultureTransport and WarehousingWholesale and DistributionRetailProfessional and Medical Services

Refinancing for property developers

A refinance takes out the facility that is expiring and puts a new one in its place, secured against the site, completed stock, or another property in the portfolio. It is what happens when a senior lender will not extend and the project is not finished.

It is repaid when the stock settles, or when a longer-term facility takes over. What it really buys is time, because a project that is most of the way sold does not need a lender's patience so much as a settlement date it can actually reach.

A refinance can help you:

• Take out a senior facility that has expired or will not extend
• Buy time to finish a sell-down rather than discount to hit a date
• Repay a facility whose term ended before the project did
• Clear a lender that has moved to enforcement
• Refinance residual stock that is built and not yet sold
• Exit when the stock settles, or on a longer-term facility

→Private lending for Property Development

Property Development+

A refinance takes out the facility that is expiring and puts a new one in its place, secured against the site, completed stock, or another property in the portfolio. It is what happens when a senior lender will not extend and the project is not finished.

It is repaid when the stock settles, or when a longer-term facility takes over. What it really buys is time, because a project that is most of the way sold does not need a lender's patience so much as a settlement date it can actually reach.

A refinance can help you:

• Take out a senior facility that has expired or will not extend
• Buy time to finish a sell-down rather than discount to hit a date
• Repay a facility whose term ended before the project did
• Clear a lender that has moved to enforcement
• Refinance residual stock that is built and not yet sold
• Exit when the stock settles, or on a longer-term facility

→Private lending for Property Development

Real Estate and Property Investors+

Hospitality+

Construction+

Manufacturing+

Agriculture+

Transport and Warehousing+

Wholesale and Distribution+

Retail+

Professional and Medical Services+

"Refinancing pressure usually comes with a deadline, and that is exactly when it helps to have us in your corner. Whether it is a facility expiry, a lender pulling appetite, or a rate structure that no longer works, we can assess the incoming security position and issue a formal approval within the same week. We have stepped into refinances with less than five days left to run on an existing facility."

Gino Tabila

Associate Director