At Secured Lending, we specialise in helping Australian businesses obtain tailored secured business loans with minimal red tape and maximum speed. We are a non-bank private lender based in Barangaroo, Sydney, facilitating loans nationwide across Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra, and regional areas Australia-wide.
Why Choose a Secured Business Loan?
Unlike unsecured loans, which rely heavily on credit history and cash flow, secured business loans use real estate as collateral. This backing allows us to offer better terms even if your business has had challenges accessing finance in the past. Secured business loans are ideal for:
- •Business owners with property equity but limited cash flow history
- •Fast-growing companies that need larger loan amounts
- •Borrowers with adverse credit seeking a viable financing option
- •Short-term funding needs such as bridging finance, equipment purchases, or supplier payments
Depending on your situation, your loan can be structured as a first mortgage, second mortgage, or caveat loan. Our team will guide you in choosing the right path.
Fast, Flexible Lending Solutions
When banks say no, we can structure the deal within 24 hours. Traditional lenders can take weeks to make a decision, let alone settle the loan. At Secured Lending, we offer fast approvals and loan settlements in as little as 24 to 72 hours for qualifying borrowers.
- •Loan amounts from $250,000 to $45 million
- •LVRs up to 75%, depending on property type and location
- •Loan terms from 1 month to 24 months
- •Interest-only repayments, often paid in advance or capitalised
- •Residential, commercial, industrial, vacant land, and development site security accepted
Common Uses
- •Keep business operations running during tough seasonal periods
- •Settle urgent supplier invoices or ATO obligations
- •Buy bulk stock at discounted rates
- •Fund renovations and fit-outs
- •Bridge property purchases
- •Business acquisitions, mergers, and partner buyouts
- •Tax debt consolidation and creditor payouts
- •Development site acquisitions and construction finance
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.
