★★★★★Trusted by 400+ Australian businesses

Emergency Business Loans Private Finance

Urgent business funding from $250k to $45 million — when time isn't on your side

Experts in strategic, short-term finance

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.95% p.a.

Terms

1 to 24 months

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

Industries

Industries We Service

Emergency business loans for pubs, hotels and venues

An emergency business loan funds the recovery when something has already gone wrong: a fire, a flood, a failed cool room, a kitchen that cannot open. We lend against the venue, or a director's property where the venue is leasehold.

It is repaid from the trade that resumes once the doors reopen, or by an insurance settlement when it finally lands. Insurance pays eventually. Wages, suppliers and rent do not wait for it, and this is the facility that covers the distance between the two.

An emergency business loan can help you:

Reopen after a fire, a flood, or a failed cool room
Cover wages and suppliers while the doors are shut
Fund a repair the insurer has not yet approved
Bridge to an insurance settlement that has not landed
Replace equipment that has failed mid-service
Keep staff on the books through a forced closure

Private lending for Hospitality

An emergency business loan can help you:

Reopen after a fire, a flood, or a failed cool room
Cover wages and suppliers while the doors are shut
Fund a repair the insurer has not yet approved
Bridge to an insurance settlement that has not landed
Replace equipment that has failed mid-service
Keep staff on the books through a forced closure

Private lending for Hospitality

"When a business is in a cash flow crisis, the asset is what carries the deal, and that takes a lot of the pressure off. Where there is sufficient equity in the property and the LVR supports the facility, we can have funds moving within 24 hours. You do not need a polished application to come to us; with the title details, the loan amount, and a repayment plan, we can get started."

Gino Tabila

Associate Director

Frequently Asked Questions

We can move fast — in some cases, funds are ready for settlement within 24 to 48 hours. If the security is sound and we have what we need, we prioritise urgent deals to ensure you don't miss out on critical opportunities.

Yes. We work with borrowers who've been let down by banks or delayed by red tape. We fund from our own pool, so we don't wait on third-party approvals. We act fast, especially when timing is make-or-break.

Yes — we regularly structure second mortgage facilities and cross-collateralise multiple properties to unlock equity quickly. If there's real value in the security, we'll find a way to make it work.

Absolutely. We fund urgent tax debt loans and settlement rescue finance every week. We understand the stress of looming deadlines, and we prioritise these scenarios to protect your business and assets.

Yes — we specialise in refinancing overpriced, non-performing, or predatory facilities. If you're stuck in a loan that's draining cash flow or putting your assets at risk, we can move quickly to replace it with a short-term, property-backed facility that makes commercial sense.