Million Dollar Business Loans, Funded Fast
Private funding from $1 million to $45 million
Experts in strategic, short-term finance
Million Dollar Business Loans with Fast Turnaround
Secured Lending specialises in short-term secured business loans from $1M to $45M, offering fast, pragmatic funding solutions backed by property for businesses needing to act quickly on opportunities or manage urgent financial demands.
- •Loan amounts from $1 million to $45 million
- •Fast access to capital secured by property
- •Flexible short-term solutions: caveat, bridging & mortgage-backed loans
- •Suitable for urgent business needs, transactions or working capital
- •Specialist lender with experience in large, time-sensitive lending
Million Dollar Loans We Have Funded
- Client success #1: $4M, land bank site acquisition after the original lender pulled out, settled in 24 hours, NSW
- Client success #2: $3M, working capital for an IT business expansion, settled in 2 business days, Cronulla NSW
- Client success #3: $2.4M, working capital for wages and supplier invoices, settled in 4 business days, Western Sydney NSW
- Client success #4: $1.9M, commercial property acquisition, settled in 5 business days, Brighton VIC
- Client success #5: $1.88M, bridging loan to rescue a settlement, settled in 48 hours, Gymea Bay NSW
- Client success #6: $1.2M, second mortgage equity release for a time-critical commercial deal, settled in 24 hours, Inner Sydney NSW
- Client success #7: $1.15M, ATO tax debt cleared for a pub operator, settled in 4 business days, Prahran VIC
- Client success #8: $1.1M, developer cash injection after bank progress payments stalled, settled in 72 hours, Granville NSW
Why Borrow With Secured Lending?
We are a direct private lender with deep expertise in large short-term secured loans. Our team makes fast, commercially-minded credit decisions, without committees, without bureaucracy, and without the delays that cost you the deal.
- •Rates from 9.7% p.a.
- •Funding in 24 hours for qualified files
- •Loan terms from 1–24 months
- •Minimum loan: $250,000
- •In-house valuation team
- •Direct access to decision-makers
Million Dollar Business Loans and Bad Credit
Facility size does not change what we assess, and at seven figures a credit file is rarely the cleanest part of the picture anyway. We look at the security property, whether the combined position sits inside 70% LVR, and what retires the debt. Defaults, prior arrears and a bank that walked away part way through are all things we fund around, without full financials on an asset-backed file.
Industries We Service
Million dollar loans for property developers
At seven and eight figures the security package stops being one title and becomes several: the site, the completed stock, another project, and often a director's own property alongside them. We lend our own funds, and at this size that is the difference between a facility and a syndication process.
It is repaid when the stock settles, or when a construction facility takes over. A facility this size is decided by the people you are speaking to, not assembled from investors after the fact.
A million dollar loan can help you:
- Secure a facility across several titles rather than one
- Fund a whole-of-project settlement rather than a stage of it
- Avoid a facility being syndicated to investors after you sign
- Deal directly with the people holding the credit authority
- Acquire a site that a smaller facility could not reach
- Take a single facility instead of stacking three lenders
Million dollar loans for property investors
A facility at this size is usually secured across a portfolio rather than a single asset, and the work is in structuring the security, not in finding the money. We lend our own funds, so the structure is agreed with us rather than negotiated with a panel of investors.
It is repaid when assets sell, or when the portfolio is refinanced. At this size the exit is a plan, not a single event, and we are comfortable underwriting a plan.
A million dollar loan can help you:
- Secure a facility across a whole portfolio rather than one title
- Acquire a commercial asset that needs seven figures on short notice
- Restructure a portfolio under one facility rather than many
- Have a staged exit underwritten rather than a single sale
- Borrow beyond what a single-asset facility would ever support
- Speak to the credit decision maker on a facility of this size
Million dollar loans for pubs, hotels and venues
A freehold hotel, a group of venues, or a pub with gaming entitlements is a multi-million dollar asset, and the valuation work is specialist. Our valuers are in house, which at this size is what keeps a transaction on its timetable.
It is repaid when a venue sells, or once the trading figures support a refinance. A facility of this size over freehold venue property needs a lender who can value it on a going-concern basis.
A million dollar loan can help you:
- Acquire a freehold hotel rather than a single small venue
- Fund a multi-venue group under one facility
- Have the freehold valued on a going-concern basis by our own valuers
- Borrow against the freehold property, valued on a going-concern basis
- Avoid a specialist valuation delaying a seven figure settlement
- Fund a portfolio acquisition a smaller lender could not reach
Million dollar loans for builders and contractors
A major contract carries a working capital requirement that runs into seven figures long before the first claim is certified. The security is usually the yard, the office and a director's property together, because at this size one asset rarely carries it.
It is repaid by progress payments, practical completion, or the sale of the security. A facility this size is written against the property, and sized to a programme rather than a single claim.
A million dollar loan can help you:
- Fund the working capital on a major contract from day one
- Combine the yard, the office and a director's property as security
- Borrow against property, at a size a single certified claim could not support
- Take on a contract that is larger than your balance sheet
- Fund a business acquisition rather than a single job
- Access a facility a claim-by-claim lender could not provide
Million dollar loans for manufacturers
A production line, a plant expansion, or the purchase of a competitor runs into seven or eight figures, and the factory alone may not carry it. We take security across the site, the plant and a director's property where it is needed.
It is repaid by customer receipts, or by a longer-term facility. A facility of this size is a capital decision, and it is decided by people who can see the whole picture rather than one covenant.
A million dollar loan can help you:
- Fund a plant expansion rather than a single machine
- Acquire a competitor or a second manufacturing site
- Combine the site and a director's property as one security package
- Borrow beyond what the factory alone would support
- Fund a capital programme rather than a working capital gap
- Have a facility of this size decided without a syndication process
Million dollar loans for transport and warehousing operators
A national contract, a fleet acquisition, or a distribution centre is a seven figure commitment, and vehicle-by-vehicle finance cannot reach it. We take security across the depot, the warehouse and a director's property.
It is repaid from contract receipts, or by a longer-term facility once the operation is running. At this size the facility is written against property, never against the trucks.
A million dollar loan can help you:
- Fund a national contract rather than a single route
- Acquire a fleet in one facility instead of vehicle by vehicle
- Buy or build a distribution centre
- Borrow against the depot property, never against the trucks
- Combine a depot and a warehouse into one security package
- Acquire a competing operator and its contracts
Million dollar loans for wholesalers and importers
An annual buying programme, a distribution rights acquisition, or a national stock build is a seven figure requirement, and a facility sized to one container will not do it. We take security across the warehouse and a director's property.
It is repaid as the stock sells through, or by a longer-term facility. At this size the exit is a sell-down plan across a year, and that is what we underwrite.
A million dollar loan can help you:
- Fund an annual buying programme rather than one container
- Acquire distribution rights or an exclusive agency
- Build national stock cover ahead of a major listing
- Borrow against warehouse property, sized to a full year's sell-down
- Acquire a competing distributor and its stock
- Take one facility instead of a trade line per shipment
Million dollar loans for retailers
A multi-site rollout, a national stock build, or the acquisition of a competing chain is a seven figure requirement, and a director's property alone may not carry it. We take security across the properties available, including the sites where the business owns them.
It is repaid from trade, or by a longer-term facility once the rollout is established. At this size the facility is written against a plan, not a single season.
A million dollar loan can help you:
- Fund a multi-site rollout rather than a single fit-out
- Acquire a competing chain and its leases
- Build national stock cover across every store at once
- Borrow across several properties where one will not carry it
- Fund a distribution centre to supply your own stores
- Borrow against property, sized to a rollout rather than one trading season
Million dollar loans for technology companies
A seven figure facility funds a major transaction: acquiring a competitor and its contract book, buying out an institutional investor, or funding a rollout that has to be paid for long before it generates revenue.
It is repaid by a refinance once the combined business has a trading history, by a raise, or by a trade sale. Because the assessment is based on the property equity and the exit rather than a revenue multiple, a seven figure decision can be made in hours.
A million dollar loan can help you:
- Acquire a competitor and its contract book in one transaction
- Buy out an institutional investor or a departing co-founder
- Fund a national rollout that is paid for long before it generates revenue
- Repay a convertible note before it converts to equity
- Fund an acquisition and its integration costs in the same facility
- Combine two businesses on the date the sale agreement sets
Million dollar loans for practices and professional firms
A multi-partner buy-in, a merger, or the acquisition of a competing practice runs to seven figures, and it is rarely secured on one director's property. We take security across the properties of the incoming partners, and against the rooms where they are owned.
It is repaid when the long-term practice facility settles. At this size the transaction has a completion date and a room full of lawyers, and the facility has to be ready before both.
A million dollar loan can help you:
- Fund a multi-partner buy-in rather than a single equity entry
- Acquire a competing practice and merge the two books
- Secure across the properties of several incoming partners
- Buy the rooms and the practice in one transaction
- Fund a merger a goodwill-based lender could not underwrite
- Be ready before a completion date that will not be moved
"Larger facilities call for a lender who can assess complex security structures, understand the borrowing entity's position, and reach a credit decision without taking six weeks to do it. We fund deals in this range regularly, and our credit team has the experience to move quickly when the fundamentals are right. We are always glad to take a look at where a deal sits."
Gino Tabila
Associate Director
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Why Secured Lending?
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Case Studies
$2.155M Second Mortgage Working Capital Facility Across Brighton and Cremorne
$280K Second Mortgage for Short-Term Cash Flow in Kooyong
$545K Bridging Loan Across Three Suburbs in Melbourne's North-West
$400K Second Mortgage Repaid in Full After a Flexible Two-Month Extension
$1.8M First Mortgage Releases $980K of Working Capital for a Solar Business
$2.3M Second Mortgage Refinances an 18% Facility for a Glass Manufacturer
$800K Bridging Finance for Simultaneous Property Transactions in 48 Hours
$300K Second Mortgage for Dental Practice Working Capital in 5 Days
Frequently Asked Questions
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Why Secured Lending?
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Scenarios We Can Help With
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