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
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
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.
Short Term Loans
Flexible property-secured loans designed for businesses that need capital now and a clear exit path later. Ideal for bridging gaps, seizing opportunities, or managing short-term pressure.