$5 Million Business Loan Private Finance

$5 Million Business Loans with Certainty and Speed

Secured Lending specialises in rapid, property-backed business financing for large amounts. We are a private lender offering alternatives to traditional banks — emphasising speed and practical risk assessment rather than bureaucratic processes.

Key Features of Our $5 Million Facilities

• •Loans from $1 million to $45 million
• •$5 million facilities for acquisitions, large refinances, or liquidity needs
• •Short-term structures including caveat loans, bridging, and mortgages
• •Loan terms from 1 to 24 months
• •Interest rates from 9.7% p.a.
• •Settlement in 1 to 5 business days for qualified files

Common $5 Million Loan Use Cases

• •Property acquisition and commercial settlements
• •Large-scale refinancing of existing facilities
• •Capital release from existing property portfolios
• •Bridging finance between transactions
• •Rescue funding from problematic lender arrangements

Why Borrowers Trust Secured Lending

Our senior credit specialists have extensive experience in property-backed lending at the $5 million level. We offer direct decision-maker access and established broker relationships, with a track record of funding complex deals others won't touch.

Security Requirements

• •Australian property: residential, commercial, industrial, or retail
• •Multiple securities across different titles or locations
• •Cross-collateralised properties for complex deal structures
• •First or second mortgage positions depending on risk and LVR

Million Dollar Loans We Have Funded

• Client success #1: $4M, land bank site acquisition after the original lender pulled out, settled in 24 hours, NSW
• Client success #2: $3M, working capital for an IT business expansion, settled in 2 business days, Cronulla NSW
• Client success #3: $2.4M, working capital for wages and supplier invoices, settled in 4 business days, Western Sydney NSW
• Client success #4: $1.9M, commercial property acquisition, settled in 5 business days, Brighton VIC
• Client success #5: $1.88M, bridging loan to rescue a settlement, settled in 48 hours, Gymea Bay NSW
• Client success #6: $1.2M, second mortgage equity release for a time-critical commercial deal, settled in 24 hours, Inner Sydney NSW
• Client success #7: $1.15M, ATO tax debt cleared for a pub operator, settled in 4 business days, Prahran VIC
• Client success #8: $1.1M, developer cash injection after bank progress payments stalled, settled in 72 hours, Granville NSW

"A $5 million facility is often structured across multiple securities, with a blended first and second mortgage position to optimise the LVR across the portfolio. We assess each security individually, calculate the blended LVR, and structure the facility to make the most efficient use of the available equity. Where the security schedule is clean and the exit is documented, we can reach a credit decision within 24 hours, and we are glad to walk you through the structure."

Gino Tabila

Associate Director