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
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.