4 Million Dollar Business Loan
Fast business funding for $4 million in Australia
Specialists in complex lending and strategic finance.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
$4 Million Business Loans with Certainty and Speed
When your business needs $4 million in capital, there’s no room for delay. Whether it’s a critical acquisition, time-sensitive refinance, or strategic funding play, timing is everything — and the cost of waiting can be significant.
At Secured Lending, we specialise in short-term, property-secured business loans from $1 million to $45 million. A $4 million loan is well within our strike zone. We work with brokers, developers, business owners, and advisers who need fast decisions, not lengthy committee reviews or slow-moving processes.
We’re not a generalist lender. We move fast because we control our own capital, have our own internal credit team, and understand how to structure complex loans. Every decision is made with commercial logic — not checklists or red tape.
Our $4 million business loans are backed by Australian property — residential, commercial, or mixed-use. This gives our borrowers access to rapid funding, often settled in a matter of days.
Key Features of Our $4 Million Loans
- Loan amounts from $1 million to $45 million
- $4 million commonly structured for acquisitions, refinancing, or growth
- Loan types include caveat loans, first mortgages, second mortgages, and bridging finance
- Terms from 1 to 24 months
- Interest rates from 9.95% p.a
- Settlement within 24 to 72 hours for urgent scenarios
If your loan makes commercial sense and the property security stacks up, we’ll move quickly.
Common Use Cases for $4 Million Loans
Our $4 million facilities are often used by sophisticated borrowers across industries for:
- Time-critical commercial acquisitions — fast funding to secure premium assets without waiting on bank timelines
- Debt restructuring — rolling multiple high-interest or maturing loans into one manageable facility
- Growth capital — short-term cash to scale operations, purchase inventory, or capitalise on new markets
- Bridging finance — bridging the gap between the sale of one asset and the purchase of another
- Exiting from hard-money lenders — refinancing from aggressive private lenders with better terms and a clear exit plan
Every $4 million deal is built around the client’s goals — we don’t do cookie-cutter lending.
Recent $4M Success Stories
Here are some example of how we helped a client with a $4 million+ facility:
- Urgent $4.741M Second Mortgage Helps Client Settle on Prime Sydney Property
- $4 Million ATO Debt Problem Solved
Why Businesses Choose Secured Lending
We’re here for serious commercial lending. No retail loans. No personal finance. Just large-scale capital solutions.
Our clients come to us because they value:
- Fast, pragmatic decisions made by experienced professionals
- A credit team that understands property, cash flow, and the real cost of delay
- Relationships built on results — not paperwork
- Discretion, speed, and the ability to handle complex scenarios with confidence
We work with brokers and business advisers who need a lender that delivers — not one that holds things up.
Security Requirements for $4 Million Loans
All $4 million loans are secured against real Australian property. Acceptable securities include:
- Prime residential or commercial real estate
- Industrial, retail, or development sites with clean valuations
- Multiple securities across different locations or titles
- Cross-collateralisation where appropriate
- First and second mortgage positions, depending on LVR and deal strength
Every deal is reviewed by our in-house credit team for structure, risk, and fit — and we act quickly.
Speak to Us Today
Need a $4 million loan and don’t have time to waste? We’re ready to assess your deal now. Call us, email us, or use our contact form — we’ll take it from there.
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 frequently structure multi-security facilities to unlock higher borrowing power. If you hold substantial equity across multiple residential or commercial properties, we can use them collectively to secure a single loan—ideal for time-sensitive acquisitions or cash flow events.
We regularly work with borrowers using company and trust structures. Our legal team ensures we correctly document the facility with appropriate guarantees or director undertakings, maintaining both flexibility and security.
We’ve settled multi-million-dollar facilities within 24–48 hours where necessary, provided the valuations and legal work can be expedited. If your matter is urgent, we prioritise based on deadline and will coordinate directly with your solicitor and broker to meet it.
Refinance, asset sales, or business cash flow are all acceptable, depending on the strength and viability of the strategy. We assess whether the timing and source of repayment are realistic, and we’ll work with you to align the loan term with your exit window.
Not necessarily. Second mortgages are registered behind your existing first mortgage, and we ensure our facility is structured not to interfere with senior lenders’ rights. Many of our high net worth clients use second mortgages as a short-term bridge while maintaining their primary bank relationships.
We offer flexible use-of-funds policies. Whether you're acquiring a commercial asset, bridging a large transaction, injecting capital into a business, or covering an unexpected obligation, our focus is on the security and the repayment plan—not dictating how you use the capital. This flexibility is especially valuable for sophisticated borrowers needing strategic funding. Our team will discuss with you in detail.
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
