Refinance Business Loans

Most business loan refinances come to us under pressure. The lender won't extend. The balloon is due. The rate from a non-bank facility is no longer sustainable. Whatever the trigger, if you need to exit your current loan fast and you have property to secure the new facility against, Secured Lending can move while others are still assessing your file.

Why Private Lender Refinance Works When Banks Can't

Banks refinance on their own timeline: credit committee, full financials, serviceability testing, and weeks of waiting. That process has no tolerance for urgency, imperfect trading history, or loan structures that don't fit a standard box.

Secured Lending is a private, non-bank lender that uses its own funds. We assess the strength of your security property and your exit plan, not whether your P&L fits a bank template. That means we can give you a decision in hours, issue a Letter of Offer immediately, and settle within 24 hours for qualifying loans.

We have facilitated over $500 million in loans across Australia. Business loan refinance, particularly time-critical refinance where the existing lender is applying pressure, is work we do regularly.

"The refinance deals that come to us have usually already been declined somewhere else, or the borrower has run out of runway with their current lender. What we look at first is the security and the exit. If those stack up, we can generally move fast enough to make a difference."

Gino Tabila, Associate Director, Secured Lending

What Secured Lending Offers for Business Loan Refinance

We provide short-term, property-secured refinance facilities structured to get you out of a position that isn't working and into one that gives you time and control.

• •Loan sizes from $250,000 to $10,000,000
• •Rates from 9.7% p.a.
• •Loan terms from 1 to 24 months (typical: 3 to 6 months)
• •First mortgage and second mortgage refinance
• •Settlement within 24 hours for qualifying applications
• •No need for full financials: we assess on security and exit strategy
• •Refinance of private lender facilities, caveat loans, and non-bank debt
• •Refinance of loans in arrears, default, or nearing expiry

We lend nationally across Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra, against residential investment property, commercial premises, development sites, and non-standard security where sufficient equity exists.

Who Uses Private Lender Refinance

The borrowers who come to us for refinance are not all in the same position, but they share one thing: their current loan has stopped working for them, and they need a fast exit.

• •Your current lender won't renew or extend the facility at the end of term
• •You are facing a balloon payment you can't clear from cash flow
• •Your loan is in arrears or technical default and you need to refinance before enforcement begins
• •You are paying a non-bank rate that made sense short-term but is now unsustainable
• •Your lender has changed their appetite and wants you out
• •You need to consolidate a first and second mortgage into a single, cleaner facility
• •A bank refinance is the eventual goal, but you need a private bridge to get your position clean first

In each of these scenarios, time is the variable that determines whether refinance is still possible. The earlier you act, the more options you have. Once enforcement proceedings begin or a lender appoints a receiver, the window narrows significantly.

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 from $250,000 to $10,000,000. 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

How Fast Can Secured Lending Settle a Business Loan Refinance?

For straightforward applications with clear security and a documented exit, Secured Lending can reach settlement within 24 hours. That is not an aspirational figure. It reflects the structural advantage of lending our own funds, maintaining an in-house property valuation team, and running a process built around fast decisions.

Most borrowers receive an indicative answer within hours of submitting their scenario. If we are proceeding, a Letter of Offer is issued immediately. From there, the timeline to settlement depends on how quickly documents and valuation access can be arranged.

If your current loan is expiring in days rather than weeks, call us on 1300 795 175. Don't submit a form and wait. Call directly and we will tell you within the conversation whether we can help and at what speed.

"Refinancing pressure usually comes with a deadline. Whether it's a facility expiry, a lender pulling appetite, or a rate structure that no longer works, we can assess the incoming security position and issue a formal approval within the same week. We've stepped into refinances with less than five days to run on an existing facility."

Gino Tabila

Associate Director