★★★★★Trusted by 400+ Australian businesses

Secured Debt Consolidation Loans, Funded Fast

Simplify repayments. Lower costs. Regain cash flow.

Experts in strategic, short-term finance

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

What is a Secured Debt Consolidation Loan?

A secured debt consolidation loan allows a business to combine multiple existing debts, often high-interest short-term facilities, into one structured loan backed by real property. Businesses often accumulate debts through equipment finance, merchant cash advances, unsecured lines of credit, or short-term facilities with varying interest rates and payment schedules.

By consolidating these debts into one property-secured loan, Secured Lending helps clear the slate. With one lender, one repayment schedule, and typically a lower blended interest rate, businesses can:

•Reduce interest costs by replacing high-rate facilities
•Streamline repayments into a single manageable loan
•Align a single repayment schedule with your cash flow cycle
•Avoid defaults or arrears caused by scattered repayment schedules

Why Businesses Choose Secured Lending

•Loan sizes from $250,000 to $10 million: tailored for SMEs through to large-scale operators
•Fast turnaround: funding possible in as little as 24 hours
•Sydney-based private lender: decisions made locally, without bank bureaucracy
•Proven track record: more than $500 million in loans facilitated

Common Situations Where We Help

•Businesses juggling multiple short-term facilities at high rates
•Cash flow shortfalls caused by customer payment delays
•High-rate facilities compounding faster than the business can clear them
•Expansion opportunities stalled due to scattered repayments

Consolidation assumes you still hold the timetable. Where a payout figure is climbing, a lender has issued a notice, or the ATO has started recovery action, the work is a restructure instead, and the order the debts are cleared in starts to matter as much as the rate.

→Debt restructuring loans →Refinance business loans

Debt Consolidation for Business Owners With Bad Credit

By the time a business is running four facilities at four rates, the credit file usually shows it. Missed payments, defaults, a judgment or two. That history is what stops a bank consolidating the debt, and it is not what we assess. We lend against the property, roll the facilities into one position inside 70% LVR, and do it without full financials on an asset-backed file.

→Reading the early signs of financial distress in a business →How we lend to business owners with a damaged credit file

Industries

Industries We Service

Debt consolidation for pubs, hotels and venues

A debt consolidation loan rolls the facilities a venue has accumulated into one loan, secured against the venue or a director's property where it is leasehold. The equipment finance, the merchant advance, the ATO plan and the cards become a single facility with a single repayment.

It is repaid when a venue sells, or by a refinance once the trading figures support one. The gain is not only cost, it is that one repayment on a known date is something a seasonal business can actually plan around.

A debt consolidation loan can help you:

Roll equipment finance, cards and an ATO plan into one facility
Clear a merchant advance taking a cut of every night's till
Replace several repayment dates with one you can plan around
Stop short-term facilities compounding against each other
Free up the cash flow to trade through a quiet season
Exit by sale, or once one clean facility can be refinanced

Private lending for Hospitality

A debt consolidation loan can help you:

Roll equipment finance, cards and an ATO plan into one facility
Clear a merchant advance taking a cut of every night's till
Replace several repayment dates with one you can plan around
Stop short-term facilities compounding against each other
Free up the cash flow to trade through a quiet season
Exit by sale, or once one clean facility can be refinanced

Private lending for Hospitality

"When a business is running three or four facilities at different rates across different lenders, the blended cost of that debt can quietly add up. Consolidating into a single first or second mortgage position inside 70% LVR usually brings the overall cost of debt down and takes a lot of the administrative and refinancing pressure off the table. We are glad to map out what that looks like for your situation."

Gino Tabila

Associate Director

Frequently Asked Questions

A secured debt consolidation loan allows a business owner to combine multiple existing debts, such as equipment finance, short-term business loans or merchant cash advances, into one structured facility secured against property. This reduces interest costs, simplifies repayments, and improves cash flow.

Traditional banks may take weeks to approve a loan, but as a Sydney-based private lender, Secured Lending can issue indicative terms the same day and fund within 24 hours once documentation is complete.

Yes, most businesses reduce overall interest costs and simplify cash flow by replacing multiple facilities with a single secured loan. The repayment structure can also be tailored to match seasonal or uneven business income.

Yes. Secured Lending frequently works with clients in arrears or under financial stress. Rolling those facilities into one secured loan can head off further defaults, reduce the strain, and put repayments back under your control. Where a lender has already issued a notice or the ATO has begun recovery action, the closer fit is a debt restructure, which clears several debts in a set order rather than simply combining them.

Most secured debt consolidation loans are backed by residential property, commercial property, or development sites. Property is the most common security accepted, and in some cases, other high-value assets may also be considered.

Not on its own, and no lender should tell you otherwise. What it does is stop the damage getting worse. Clearing arrears and closing out defaulted facilities removes the events that would keep being reported, and a single facility repaid on time builds a cleaner record from that point forward. Defaults already listed stay on file for their full term regardless of who pays them out.