At Secured Lending, we specialise in refinancing business loans backed by property. From urgent exit strategies to complex commercial debt, we provide fast, strategic refinancing options designed to unlock better outcomes for your business.
Why Refinance Your Business Loan?
Refinancing a business loan allows you to:
- •Lower your interest rate or switch from variable to fixed
- •Extend the loan term to reduce monthly repayments
- •Exit from a private lender or non-bank facility
- •Access additional working capital using your property equity
- •Restructure debt for improved cash flow and business growth
Secured Refinance Options We Offer
We provide short-term, property-secured refinance facilities tailored to your specific needs. Loan sizes range from $1 million to $45 million. Refinancing options include:
- •Bridging loans to refinance expiring business debt
- •Caveat loans for urgent refinance scenarios
- •First mortgage and second mortgage refinance
- •Refinance of private lending, caveat facilities, or ballooning repayments
- •Business loan consolidation and restructuring
Common Refinance Scenarios
Our clients come to us when:
- •Their loan term is ending and the lender isn't renewing
- •Repayments are unsustainable due to rising interest rates
- •Their facility is in default and time is running out
- •They need funds urgently to cover a balloon payment
- •Their current lender won't extend or negotiate
What Property Can I Use?
We accept a wide range of security types, including:
- •Residential investment property
- •Commercial premises
- •Development sites
- •Multiple securities (cross-collateralised)
- •Partially completed construction projects
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Short Term Loans
Flexible property-secured loans designed for businesses that need capital now and a clear exit path later. Ideal for bridging gaps, seizing opportunities, or managing short-term pressure.