$20 Million Business Loan | Private Lender Australia

$20 Million Business Loans: Speed, Certainty, and Strategic Capital

Secured Lending specialises in property-secured business loans from $1 million to $45 million. We offer speed, commercial assessment based on security and exit viability, and the ability to settle within days — without the delays of institutional credit processes.

Key Features of Our $20 Million Facilities

•Loan sizes from $1 million to $45 million
•$20 million facilities for acquisitions, takeouts, and restructuring
•Short-term options including caveats, first or second mortgages
•Flexible terms from 1 to 24 months
•Interest rates from 9.7% p.a.
•Funds available in 24 to 72 hours

Common Use Cases for $20 Million Loans

•Major commercial property acquisitions
•Distressed debt exit and refinancing
•Large-scale deal bridging awaiting institutional finance
•Liability restructuring at scale
•Working capital injection for large operations

Why Borrowers Trust Secured Lending for $20M+ Loans

We offer direct credit decision-maker access, fast execution, discretion, and transparency. Our expertise in large private credit means we can structure complex multi-asset facilities that institutional lenders cannot accommodate at speed.

Security Requirements for $20 Million Loans

•High-value residential or commercial property in metro areas
•Multiple securities across states
•Mixed-use developments or construction assets
•First or second mortgage positions
•Cross-collateralised securities for complex structures

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

"A $20 million transaction almost always involves a structured blend of first and second mortgage positions across a portfolio of securities. We build the facility from the ground up: assessing each asset individually, determining the optimal mortgage position on each title, and calculating the blended LVR across the full cross-collateralised pool. The structuring work is detailed, as it needs to be, and borrowers at this level can expect that precision from us at every step."

Gino Tabila

Associate Director

Frequently Asked Questions

For deals with clear security and a defined exit, we can assess and settle within 24 to 72 hours. Our credit team makes direct decisions without committee delays.

High-value commercial, residential, and mixed-use properties across Australia. Multi-state, cross-collateralised portfolios are regularly structured at this level.

Yes, subject to acceptable combined LVR across first and second mortgage positions, taking into account security type, location, and deal structure.

The maximum is 70% LVR, the same ceiling that applies at every loan size. A facility of this size is assessed on security quality, diversification across assets, and exit clarity rather than on a different LVR band.

Yes. We welcome broker submissions on large transactions. We provide a prompt indicative response and work collaboratively through to settlement.

Major acquisitions, large-scale debt refinancing, liability restructuring, bridging to institutional finance, and working capital for large operations.

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