At Secured Lending, we help business owners access fast, practical funding solutions tailored to short-term needs. Our short-term loans are typically 1 to 24 months in duration and are required to be secured against property.
What Are Short Term Loans?
Short term loans are designed to provide businesses with the funds they need to cover short-term financial needs — working capital, unexpected expenses, or time-sensitive investment opportunities. They are typically repaid within 1 to 24 months.
Why Secured Lending?
Our short-term loans are designed for situations where funding is not immediately available from traditional sources such as banks. We pride ourselves on our ability to assess your financial needs in a timely manner and can fund your loan within 24 hours.
- •Finance within 24 hours of approval
- •Loans from $250,000 to $10 million
- •Rates from 9.7% p.a.
- •Terms from 1 to 24 months
- •Secured against residential or commercial property
- •No long-term lock-ins or rigid exit penalties
Common Uses for Short Term Finance
- •Bridging cash flow gaps between invoices or settlement dates
- •Working capital to fund operations, payroll, or supplier payments
- •Urgent tax debt or ATO liabilities requiring immediate resolution
- •Property and real estate — development site acquisitions, auction funding, deposits
- •Business acquisitions, mergers, partner buyouts, or franchise purchases
- •Equipment purchase, machinery finance, or commercial vehicle funding
- •Refinancing expiring loans or exiting restrictive facilities
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.