★★★★★ Trusted by 400+ Australian businesses

4 Million Dollar Business Loan

Fast business funding for $4 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.

$4 Million Business Loans with Speed, Structure, and Certainty

Secured Lending specialises in property-secured business loans ranging from $1M to $45M. Our $4 million facilities are designed for acquisitions, refinancing, and growth capital, with rapid decision-making and the ability to settle within 24 to 72 hours.

Core Features of Our $4 Million Facilities

  • •Loan amounts spanning $1M to $45M
  • •Terms from 1 to 24 months
  • •Interest rates beginning at 9.95% p.a.
  • •Quick settlement timelines for urgent scenarios
  • •Caveat loans, bridging, first and second mortgage options

Common Use Cases for $4 Million Loans

  • •Time-critical commercial acquisitions
  • •Debt restructuring and refinancing
  • •Growth capital deployment
  • •Bridging finance arrangements
  • •Exit financing from alternative lenders

Security Requirements

Loans are secured against Australian property including residential, commercial, industrial, retail, and development sites. Multi-property cross-collateralisation is available for complex lending structures.

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Frequently Asked Questions

For urgent cases with clean security and a clear exit strategy, we can settle within 24 to 72 hours. Contact our team early to begin the assessment process immediately.

Residential, commercial, industrial, retail, and development site properties are accepted. Cross-collateralised multi-property security is also available.

Not necessarily. As a private lender, we focus primarily on security value and exit viability. Complex structures and non-standard income arrangements are regularly considered.

Yes. Refinancing out of expensive or problematic private lending is a common use case at this loan size. We assess promptly and can move fast when timing is critical.

Yes, subject to the combined LVR across first and second mortgage positions remaining within acceptable limits based on the security type and location.

Rates start from 9.95% p.a. with terms from 1 to 24 months. The specific rate depends on your LVR, security type, and exit clarity.

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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.