★★★★★ Trusted by 400+ Australian businesses

3 Million Dollar Business Loans

Private funding for $3 million 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.

$3 Million Business Loans. Fast, Structured, and Backed by Property.

Secured Lending is a specialist non-bank lender offering property-backed business financing from $1 million to $45 million across Australia. We emphasise rapid deployment, with capabilities to fund within 24 hours and settle within days when urgent.

Core Features of Our $3 Million Facilities

  • •Loan amounts from $1M to $45M
  • •$3 million facilities for settlements, refinancing, or growth
  • •Short-term solutions including caveat loans and mortgage-backed loans
  • •Terms from 1 to 24 months
  • •Interest rates from 9.95% p.a.
  • •Settlements as quick as 24 hours for urgent cases

Common Use Cases

  • •Urgent property settlements
  • •Debt restructuring and refinancing
  • •Working capital injections
  • •Bridging finance between transactions
  • •Refinancing from distressed lenders

Why Borrowers Come to Us for $3 Million Loans

Our team comprises experienced credit professionals with deep market knowledge and a funding-first approach. We work directly with borrowers and brokers, making fast decisions backed by in-house property expertise.

Security Requirements

  • •Residential, commercial, or industrial property in Australia
  • •Multi-site portfolios and cross-collateralised securities considered
  • •First or second mortgage positions available
  • •Metro and high-demand regional locations preferred

Related Million Dollar Loan Pages

Frequently Asked Questions

For qualified files, we can approve and fund within 24 to 72 hours. Approval is based on security strength and exit viability — not lengthy serviceability assessments.

Residential, commercial, industrial, and mixed-use properties are accepted. Multi-property and cross-collateralised arrangements are also considered.

Yes. We assess primarily on the security property and your exit strategy. Full financials are not always required for property-backed private lending.

Yes. Exiting distressed or expensive private loans is one of the most common scenarios we handle at this loan size.

Yes. Interest-only structures are standard for our short-term facilities, preserving your cash flow for the duration of the loan.

Yes. For development or multi-stage funding requirements, staged drawdown facilities can be structured. Discuss your specific needs with our team.

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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.