★★★★★ Trusted by 400+ Australian businesses

5 Million Dollar Business Loan

Private funding for $5 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.

$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 9.95% 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

Related Million Dollar Loan Pages

Frequently Asked Questions

For qualified files with clear security and a defined exit, approval and settlement can occur within 24 to 72 hours. We prioritise urgent deals and work to your timeline.

Residential, commercial, industrial, and retail properties are all accepted. Portfolio security across multiple assets is regularly structured at this loan level.

Yes. Exiting unfavourable or high-cost private lending arrangements is a common scenario for $5 million borrowers. We assess quickly and can replace the facility fast.

Requirements vary based on complexity, but we focus primarily on the security property and your exit strategy. Our team will guide you through exactly what is needed for your specific scenario.

Yes. Second mortgage facilities at $5 million are available subject to acceptable combined LVR across both positions.

Rates from 9.95% p.a. with terms of 1 to 24 months. The rate offered reflects your LVR, security type, exit strategy, and deal complexity.

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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.