★★★★★ Trusted by 400+ Australian businesses

20 Million Dollar Business Loan

$20 million private funding for businesses in Australia

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Experts in strategic, short-term finance

Finance within 24 hours
Loans of $1M to $45M
Rates from 9.95% p.a.
1–24 months terms

Assess My Scenario

$500M+ in loans settled

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How much does your business need?

Borrow from $250K to $10M+

No credit check. No obligation.

$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 starting at 9.95% 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

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.

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$500M+ funded

Get an indicative offer within hours, not weeks.

No credit check. No obligation.

Why Secured Lending?

✓Australian private lender — $500M+ funded
✓We use our own funds for fast decisions
✓24-hour settlements up to $10M
✓Rates from 9.7% p.a. | Terms 1–24 months
Success Stories

Case Studies

View all case studies
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
Short-term finance
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
Short-term loans
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
ATO Tax Debt Loan Success
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
ATO Tax Debt Loan Success
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
From Enquiry to Settlement in 4 Days: How a Second Mortgage Delivered Urgent Capital of $300K
Short-term loans
From Enquiry to Settlement in 4 Days: How a Second Mortgage Delivered Urgent Capital of $300K
Saved from a Dodgy Lender: Why the Cheapest Rate Can Cost You Everything
Short-term loans
Saved from a Dodgy Lender: Why the Cheapest Rate Can Cost You Everything
Unlocking Industrial Property Deals: How Flexible $5 Million Funding Secured a Port Adelaide Warehouse
Short-term loans
Unlocking Industrial Property Deals: How Flexible $5 Million Funding Secured a Port Adelaide Warehouse
Navigating the Tightrope: When a $800,000 Tax Liability Met a Time-Sensitive Property Play
Short-term finance
Navigating the Tightrope: When a $800,000 Tax Liability Met a Time-Sensitive Property Play
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Scenarios We Can Help With

Browse our full range of private lending scenarios we can help assist with.