At Secured Lending, we specialise in emergency business loans backed by property — from $250,000 up to $45 million. We deliver fast capital when banks can't move quickly enough, often settling within days. We're not a general lender. We're a specialist — no box-ticking, no slow-moving committees, just experienced decision-makers who understand urgency and know how to execute.
Emergency Loan Features
- •Loan amounts from $250,000 to $45 million
- •Short-term solutions including bridging loans, caveat finance, first and second mortgages
- •Terms from 1 to 24 months
- •Funding from 9.95% p.a.
- •Settlements in as little as 24 hours
- •Property-secured loans — residential, commercial, or mixed
Common Emergency Loan Scenarios
- •Bridging finance for time-sensitive property settlements
- •Tax debt loans to avoid ATO penalties, interest, or legal action
- •Refinance from distressed lenders or predatory loan structures
- •Second mortgages to unlock equity for urgent cash flow needs
- •Large business loans for fast capital injections to cover payroll, inventory, or growth
Why Borrowers Trust Secured Lending
Our team are seasoned professionals with deep experience in commercial finance, property, and urgent capital solutions. We fund from our own pool — no delays chasing investor capital. Our internal property team values deals quickly and decisively, and we've built a reputation for reliability, not red tape.
Security Requirements
All emergency business loans are backed by real property. We consider:
- •Prime residential or commercial assets
- •Multi-property portfolios
- •Regional or metro security
- •First or second mortgage positions depending on structure
- •Cross-collateralisation and custom security arrangements
"When a business is in a cash flow crisis, the asset is what matters. If there's sufficient equity in the property and the LVR supports the facility, we can have funds moving within 24 hours. We don't need a polished application. We need the title details, the loan amount, and the repayment plan."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
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.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
