$10 Million Business Loan | Private Lender Australia

$10 Million Business Loans with Speed, Certainty, and Commercial Focus

Secured Lending specialises in high-value property-secured financing from $1 million to $45 million. We are a non-bank alternative offering faster approvals than traditional institutions — no committees, no extended review processes, and deep commercial understanding of deal urgency and settlement timelines.

Key Features of Our $10 Million Facilities

•Loan amounts from $1M to $45M
•$10M facilities for acquisitions, refinance, and equity release
•Short-term funding options: caveats, bridging, first and second mortgages
•Terms from 1 to 24 months
•Rates from 9.7% p.a.
•Approval and settlement in 24 to 48 hours for urgent deals

Common Use Cases for $10 Million Loans

•Acquisition finance for commercial or mixed-use assets
•Capital extraction from existing property portfolios
•Business restructure and liability management
•Bridging major deals awaiting longer-term finance
•Distressed debt refinance from other lenders

Why Clients Choose Us for $10 Million Loans

We understand the pressures of large transactions — execution confidence, complex deal structuring, multi-asset security arrangements, and tight timelines. Our team has the capability and experience to fund at scale without the delays of institutional credit processes.

Property Security Requirements

•High-value commercial or mixed-use property in metro areas
•Residential portfolios with cross-collateral security
•Regional assets with strong valuations considered
•First or second mortgage positions depending on LVR

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

"At $10 million we are typically working with a cross-collateralised structure across multiple properties, often a mix of first and second mortgage positions depending on the existing debt on each asset. We model the blended LVR across the full security pool, stress-test the exit against realistic timelines, and structure the facility to sit comfortably inside 70% on a portfolio basis. That level of structuring is where genuine credit capability shows, and it is the kind of deal we really enjoy getting right with our clients."

Gino Tabila

Associate Director

Frequently Asked Questions

For urgent deals with clean security and a defined exit, approval and settlement within 48 hours is possible. We assess based on security strength and exit viability — not lengthy approval committees.

High-value commercial, mixed-use residential, industrial portfolios, and multi-asset cross-collateralised securities are all accepted. We also consider regional assets with strong valuations.

Yes, subject to the combined LVR across first and second mortgage positions being within acceptable limits for the security type.

The maximum is 70% LVR, the same ceiling that applies at every loan size. Larger facilities are assessed on the strength of the security and the exit, not on a different LVR band.

Yes. We work extensively with finance brokers for large transactions. Submit a deal summary and we will respond with an indicative position quickly.

Acquisitions, capital extraction, business restructuring, major deal bridging, and distressed debt refinance are the most common purposes at this loan level.

The team

Who you will be dealing with

On a facility of this size you deal directly with the people who make the credit decision. There is no call centre, and no committee sitting between you and an answer.

Mark Hutchins

Mark is the Managing Director of Secured Lending and is responsible for the group’s strategies, operations and growth of the loan portfolio.

Gino Tabila

Gino has over 15 years’ experience in corporate accountancy, financing and turnaround work. He has worked in alternative lending for the past 5 years, with considerable experience in finding short-term finance solutions for clients and a depth of knowledge as to the speed and requirements involved.

Daniel Juratowitch

Daniel brings a wealth of distressed-asset experience, having been a registered liquidator and trustee in bankruptcy for over 20 years. He is also a Chartered Accountant and CEO of Cor Cordis, a leading insolvency firm in Australia. Daniel brings firsthand experience with enforcement for lenders and understands intricately the relationship between an asset’s market value and its worth under distressed situations.

Success Stories