★★★★★Over $500 million in business loans facilitated

Secured Business Loans

Fast, flexible secured lending for Australian businesses. Same-day assessments, settlements from 24 hours, and no credit check required.

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Experts in complex lending and strategic, short-term finance

Secured Business Loans

Our Secured Finance Solutions

Bridging Finance

Bridging Finance

Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.

First Mortgage

First Mortgage

Private first mortgage loans secured against residential, commercial, or industrial property.

Second Mortgage

Second Mortgage

Unlock equity in your property without refinancing or disturbing your existing first mortgage.

Caveat Loans

Caveat Loans

Urgent caveat loans secured by property. No need to refinance your existing mortgage.

ATO Tax Debt

ATO Tax Debt

Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.

Debt Consolidation

Debt Consolidation

Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.

Refinance Business Loans

Refinance Business Loans

Stuck in a high-cost loan or a facility that no longer fits? We refinance businesses out of poorly structured debt into smarter, more flexible short-term solutions.

Business Line of Credit

Business Line of Credit

A revolving credit facility secured against your property — draw what you need, when you need it. Ideal for businesses managing fluctuating cash flow or ongoing working capital demands.

Short Term Loans

Short Term Loans

When you need capital quickly and have property to secure it, we move fast. Short-term loans designed for businesses that need a solution now and a clear exit plan later.

Emergency Business Loans

Emergency Business Loans

When a financial crisis hits and you need to act immediately, we step in where banks can't. Property-backed emergency funding for businesses that can't afford to wait.

Urgent Business Loans

Urgent Business Loans

When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.

Fast Property-Backed Loans for Strategic Business Growth

When you need fast, flexible funding backed by your assets, secured business loans can be a smart way to access larger loan amounts, lower interest rates, and better terms. Whether you're managing cash flow, expanding your operations, purchasing stock, or taking advantage of time-sensitive opportunities, secured lending can provide the certainty and scale your business needs.

At Secured Lending, we specialise in helping Australian businesses obtain tailored secured business loans with minimal red tape and maximum speed. We understand business doesn't wait, and neither should you. We are a non-bank private lender in Australia, based in Barangaroo Sydney, facilitating loans nationwide across Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra, and some regional areas Australia-wide.

At Secured Lending, we are proud to be known within the private lending category as specialists in bridging finance, caveat loans, and private mortgages – including first mortgages and second mortgages.

Why Choose a Secured Business Loan?

Unlike unsecured loans, which rely heavily on credit history and cash flow, secured business loans use real estate or other valuable assets as collateral. This backing allows lenders to offer better terms, even if your business has had challenges accessing finance in the past. By offering security, you reduce the lender's risk, which translates into more attractive interest rates and higher approval likelihood.

Secured business loans are ideal for:

  • •Business owners with property equity but limited cash flow history
  • •Fast-growing companies that need larger loan amounts
  • •Borrowers with adverse credit seeking a viable financing option
  • •Short-term funding needs such as bridging finance, equipment purchases, or supplier payments

Depending on your situation, your loan can be structured as a first mortgage, second mortgage, or caveat loan. Each structure serves a different purpose and timeline, and our team will guide you in choosing the right path.

Fast, Flexible Lending Solutions

We know time is often the critical factor when it comes to business finance. When banks say no, we can structure the deal within 24 hours.

Traditional lenders can take weeks to make a decision, let alone settle the loan. At Secured Lending, we offer fast approvals and loan settlements in as little as 24 to 72 hours for qualifying borrowers.

We offer:

  • •Loan amounts from $250,000 to $45 million
  • •LVRs up to 75%, depending on property type and location
  • •Loan terms from 1 month to 24 months
  • •Interest-only repayments, often paid in advance or capitalised
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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
FAQ's

Frequently Asked Questions

If you have any further questions or need assistance, feel free to reach out to us anytime.

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A secured business loan is a type of finance where a borrower uses property or another asset as collateral to secure the loan. This lowers the risk for lenders and typically allows for larger loan amounts and better interest rates. Whether you need short-term cash to cover tax obligations or long-term capital for a development project, we tailor each solution to your objectives and timeline. We've helped clients secure funding to: • Keep business operations running during tough seasonal periods • Settle urgent supplier invoices • Buy bulk stock at discounted rates • Fund renovations and fit-outs • Bridge property purchases

Yes. In many cases, we can structure loans using company-owned or trust-held properties, provided appropriate documentation and authority are in place.

Common assets include residential homes, investment properties, commercial properties, vacant land, and development sites. In some cases, business-owned or trust-held properties can also be used, provided the right documentation is available.

At Secured Lending, we offer secured business loans ranging from $250,000 up to $50 million, depending on your security asset, loan-to-value ratio (LVR), and purpose.

We can approve and settle secured business loans within 24 to 72 hours, depending on your circumstances and the complexity of the deal. Fast turnaround is our specialty.

We offer LVRs up to 75%, depending on the location, type, and value of the property used as security.

Yes. Because the loan is asset-backed, we can often approve loans even if your credit history isn't perfect. Our focus is on the strength of the security and the exit strategy.

Absolutely. The loan funds can be used for any strategic financial reasons and investments, including: Bridging Finance, Short-Term Cash Flow, Large Invoice Funding, Temporary Working Capital, Urgent Funding Needs, Tax Debt, ATO Payment Plans, BAS Liabilities, Payroll Obligations, Refinancing Existing Debt, Short-Term Investment Opportunities, Private Equity Deals, Expanding Investment Portfolios, High-Yield Opportunities, Joint Venture Projects, Distressed Assets, Bridging Gaps in Opportunities, Stock Market Investment, Crypto Arbitrage, Luxury Car Purchase, Yacht Purchase, Private Jet Share, Art Investment, Rare Asset Investment, Tax Optimisation Strategies, and Equity Release.

A first mortgage loan is secured as the primary charge over the property. A second mortgage loan is secured behind an existing first mortgage. A caveat loan is a short-term solution secured by lodging a caveat on the property title, typically used for urgent funding needs.

Not always. For many short-term secured business loans, especially caveat loans, we can approve finance with minimal documentation. Each case is assessed individually.

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