20 Million Dollar Business Loan
$20 million private funding for businesses in Australia
Complex lending and strategic finance specialists.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
$20 Million Business Loans: Speed, Certainty, and Strategic Capital
When your business needs $20 million in capital, hesitation isn’t an option. Whether it’s to complete a high-value acquisition, exit a complicated debt position, or act on a time-critical opportunity, delays can destroy deals. You need a lender who moves fast and thinks commercially.
At Secured Lending, we specialise in property-secured business loans ranging from $1 million to $45 million — and $20 million transactions are well within our scope. Our clients include sophisticated borrowers, brokers, developers and professionals who need real funding with real urgency, not excuses.
We’re not a bank — and we don’t act like one. We’re a private lender with access to our own funds, in-house credit analysts, and a deep understanding of how to structure large, time-sensitive loans. We assess deals based on the security, exit, and commercial viability — not bureaucracy or committee delay.
Our $20 million loan solutions are secured against quality Australian property — whether residential, commercial, or mixed use. We don’t waste time. If the deal stacks up, we can settle in days.
Key Loan Features
- Loan sizes from $1 million to $45 million
- $20 million facilities commonly used for acquisitions, takeouts and restructuring
- Short-term loan options including caveats, first or second mortgages
- Flexible terms from 1 to 24 months
- Interest rates starting at 9.95% p.a
- Fast settlements — funds available in as little as 24–72 hours for urgent transactions
We move fast, ask smart questions, and back good deals. If the numbers work and the property stacks up, we’ll get it done.
Common Use Cases for $20 Million Loans
We’ve helped businesses across Australia deploy $20 million in funding to:
- Acquire major commercial property assets — where mainstream bank processes were too slow for the settlement timeline
- Exit distressed debt — replacing expensive or non-performing loans with structured, transparent terms and a clean exit
- Bridge large-scale deals — facilitating seamless transitions between the sale of one asset and the acquisition of another
- Restructure existing liabilities — consolidating multiple facilities into a single, manageable loan with clear commercial logic
- Inject working capital at scale — funding major expansion, procurement, or operational needs in high-growth phases
- These are high-stakes transactions. That’s why borrowers come to us.
Why Borrowers Trust Secured Lending for $20M+ Loans
We understand the complexity and pressure involved in large-scale capital needs. Our clients choose us because we bring:
- Real expertise in large private credit deals
- A direct line to credit decision-makers — no red tape
- Fast execution and clarity from start to finish
- Full discretion, professionalism and outcome-focused service
- Relationships built on speed, transparency and repeat success
- We’re here to get your deal done — not to slow it down.
Security Requirements for $20 Million Loans
We require real property as security, and we’re experienced in managing complex or multi-asset arrangements. Typical securities include:
- High-value residential or commercial property in metro areas
- Multiple securities across states or ownership structures
- Mixed-use developments or construction assets with clear valuation
- First or second mortgages, depending on the deal
- Cross-collateralised securities for portfolio loans
Every deal is bespoke — and every security structure is reviewed by our internal team for speed and practicality.
Let’s Talk
If you need $20 million in funding and don’t have time to waste, we’re ready to assess your deal. Reach out for a confidential discussion, and let’s see what’s possible.
Why Choose Secured Lending?
Over $400 Million in loans serviced Australia-wide.
Case Studies & Success Stories
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Frequently Asked Questions
Yes. We regularly structure multi-property loans using cross-collateralisation. If you hold a portfolio of residential, commercial, or mixed-use assets across different locations, we can build a facility that aggregates their value into one consolidated loan.
It’s possible. If the security is clean, valuations are recent or obtainable quickly, and your exit strategy is clear, we can settle in as little as 24–72 hours. Our internal credit team and direct access to capital mean no committees or red tape — just fast, commercially-minded lending.
Absolutely. We’ve helped clients unwind expensive mezzanine finance, non-bank loans with punitive terms, and expiring facilities where the lender is applying pressure. We can replace them with structured, short-term funding backed by property, giving you breathing room and a clear runway to refinance or divest.
Yes. Many of our clients are introduced by advisors, wealth managers, or in-house finance teams. We maintain full confidentiality and work collaboratively with your advisory network to ensure the funding aligns with your overall financial strategy and preserves reputational integrity.
Yes. For larger, structured deals — including developments, acquisitions or staged purchases — we can tailor drawdowns based on key project milestones. This reduces your interest exposure and aligns funding with how and when it’s needed. We’ll structure the facility around your project’s actual cash flow demands.
While property is the primary security, we also assess the borrower’s profile, deal structure, commercial logic, and exit strategy. We understand that high-value borrowers often have non-linear asset structures, trusts, or corporate entities involved. Our credit team looks at the full picture, not just box-ticking.
Why Choose Secured Lending?
- Urgent finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
- We use our own funds and have our own internal property valuation team
