★★★★★ Trusted by 400+ Australian businesses

20 Million Dollar Business Loan

$20 million private funding for businesses in Australia

Experts in strategic, short-term finance

Finance within 24 hours

Loans of $1M to $45M

Rates from 9.7% p.a.

1–24 months terms

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How much does your business need? *

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When do you need the funds? *

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$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

Related Million Dollar Loan Pages

→Million Dollar Business Loans (Overview)→$2 Million Business Loan →$3 Million Business Loan →$4 Million Business Loan →$5 Million Business Loan →$10 Million Business Loan

"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 and it needs to be. Borrowers at this level expect precision and we deliver it."

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.

LVRs generally range from 55% to 70% for large facilities depending on security quality, diversification across assets, and exit clarity.

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.