As a private lender, our flexible, short-term BLOC is structured to give you financial agility when you need it most. You can draw funds as you go to seize opportunities, manage urgent tax debt, or cover any unexpected cash flow gap. The critical advantage? You only pay interest on the funds you actually use.
Key Features of the Short-Term BLOC
- •Revolving flexibility — draw down, repay, and redraw within the term
- •Terms from 6 to 18 months
- •Secured by a second mortgage only, with a maximum LVR of 70%
- •Access capital up to $2,000,000
- •Fast assessment and settlement to meet critical deadlines
- •Only pay interest on funds you actually draw
Real-World Use Cases
This product is specifically designed to solve immediate, time-sensitive funding problems:
- •Construction companies bridging delayed progress payments — draw to cover payroll and suppliers, repay when the progress claim clears
- •Seasonal retailers funding bulk inventory ahead of peak demand when working capital is tied up in a pending settlement
- •Trading companies funding a DOCA contribution against director property equity to exit voluntary administration
- •Business owners managing urgent tax debt or BAS liabilities while waiting on revenue
- •Borrowers needing a revolving facility while a longer-term refinance or sale is in motion
Costs
- •Loan Processing Fee — 2.2%
- •Brokerage Fee — 2.2%
- •Loan Management Fee — 0.188% per month
- •Line Fee on Limit — 1%
- •Legals — at costs (circa $4,400)
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
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
$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
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.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
