What is a Secured Debt Consolidation Loan?
A secured debt consolidation loan allows a business to combine multiple existing debts — often high-interest, short-term facilities — into one structured loan backed by real property. Businesses often accumulate debts through equipment finance, merchant cash advances, unsecured lines of credit, or short-term facilities with varying interest rates and payment schedules.
By consolidating these debts into one property-secured loan, Secured Lending helps clear the slate. With one lender, one repayment schedule, and typically a lower blended interest rate, businesses can:
- •Reduce interest costs by replacing high-rate facilities
- •Streamline repayments into a single manageable loan
- •Unlock liquidity by restructuring loan terms to align with cash flow cycles
- •Avoid defaults or arrears caused by scattered repayment schedules
Why Businesses Choose Secured Lending
- •Loan sizes from $250,000 to $10 million — tailored for SMEs through to large-scale operators
- •Fast turnaround — funding possible in as little as 24 hours
- •Sydney-based private lender — decisions made locally, without bank bureaucracy
- •Proven track record — more than $500 million in loans facilitated
Common Situations Where We Help
- •Businesses juggling multiple short-term facilities at high rates
- •Cash flow shortfalls caused by customer payment delays
- •Urgent need to restructure debt to avoid compounding interest
- •Expansion opportunities stalled due to scattered repayments
"When a borrower is running three or four facilities at different rates across different lenders, the blended cost of that debt is usually worse than they realise. Consolidating into a single first or second mortgage position at sub-70% LVR typically reduces the cost of debt and removes a significant amount of administrative and refinancing risk."
Gino Tabila
Associate Director
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.
