Urgent Short Term Loans to Buy a Franchise and Settle on Schedule
Settle your franchise purchase on schedule, then move to long-term finance
Experts in strategic, short-term finance
24hrsFast funding solutions
$250K-$10MLoan range
9.7% p.aInterest rates starting from
1-24 monthsShort term funding
ExcellentRated 5 out of 5 on Google
Rated 5 out of 5Jason V
Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.
Rated 5 out of 5Rhowell Dela Rosa
Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.
Rated 5 out of 5Rory Mcgrath
Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.
Rated 5 out of 5Luke Egan
Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.
Rated 5 out of 5amal maharaj
True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.
Rated 5 out of 5Sam Algeri
Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.
Rated 5 out of 5sebastian wright
Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.
Rated 5 out of 5Jordan Thomas
Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!
Rated 5 out of 5Wayne McCarthy
Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.
Rated 5 out of 5JP G
Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.
Rated 5 out of 5Joel Togo
Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.
Rated 5 out of 5David Pruscino
Always professional and supportive
It's a pleasure dealing with the Secured team.
Rated 5 out of 5Monica Monsigneur
A professional and common sense lender who delivers
Rated 5 out of 5Thomas de Fegely
Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.
Rated 5 out of 5Andrew Soo
A very reliable funding partner
Highly recommended.
Rated 5 out of 5Phil Boyle
Very efficient, responsive
Finn was a great help to assist in a very timely manner.
Rated 5 out of 5Jason V
Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.
Rated 5 out of 5Rhowell Dela Rosa
Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.
Rated 5 out of 5Rory Mcgrath
Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.
Rated 5 out of 5Luke Egan
Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.
Rated 5 out of 5amal maharaj
True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.
Rated 5 out of 5Sam Algeri
Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.
Rated 5 out of 5sebastian wright
Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.
Rated 5 out of 5Jordan Thomas
Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!
Rated 5 out of 5Wayne McCarthy
Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.
Rated 5 out of 5JP G
Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.
Rated 5 out of 5Joel Togo
Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.
Rated 5 out of 5David Pruscino
Always professional and supportive
It's a pleasure dealing with the Secured team.
Rated 5 out of 5Monica Monsigneur
A professional and common sense lender who delivers
Rated 5 out of 5Thomas de Fegely
Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.
Rated 5 out of 5Andrew Soo
A very reliable funding partner
Highly recommended.
Rated 5 out of 5Phil Boyle
Very efficient, responsive
Finn was a great help to assist in a very timely manner.
Buying a franchise involves the vendor, the franchisor and often a landlord, each with their own timetable. When the settlement date arrives before your bank's franchise finance does, we can fund the purchase in as little as 24 hours.
We fund franchise purchases across Australia, for new franchises and transfers of existing ones, from $250,000, with larger loans assessed case by case. The loan is secured by property you own. The franchise, the franchise agreement and the lease are never the security. The money can pay the purchase price, the franchise and transfer fees, and the costs of assigning the lease.
Franchising Code timeframes
The Franchising Code of Conduct, in its current form since 1 April 2025, sets several timeframes that affect settlement:
•For a new franchise, the franchisor must give you the disclosure document at least 14 days before the agreement is signed
•For a transfer of an existing franchise, the franchisor must not consent until 14 days after giving you the required documents
•If the franchisor has not refused a transfer in writing within 42 days of the request, or of receiving the last information it asked for, whichever is later, it is taken to have consented
•A new franchise agreement has a 14-day cooling-off period after signing
•The franchisor may reasonably refuse consent if the buyer is unlikely to meet the financial obligations of the agreement
Your lawyer should advise on the Code and your agreement. We time the loan to the settlement date that follows the franchisor's consent.
When franchise buyers call us
•The franchisor has asked for evidence of funds before it will consent
•The sale contract with the outgoing franchisee has a settlement date the bank cannot meet
•The franchisor requires a refit or upgrade at transfer
•Stock, training and transfer fees fall due at takeover
•The bank's approval depends on documents that will not arrive before settlement
Costs the loan can include
•The purchase price, including goodwill
•The franchise fee and transfer fee
•A refit required by the franchisor
•Opening stock and working capital
•Legal and accounting costs
Settling a franchise purchase
1
Enquiry. Send us the sale contract, the franchisor's timetable and the property you can offer. An indicative offer can be ready the same day.
2
Evidence of funds. Where the franchisor asks, we can confirm our indicative terms in writing. They are indicative terms, not a loan approval, and the letter says so.
3
Letter of offer. After you accept, the letter of offer is issued.
4
Settlement. Settlement can follow within 24 hours of signing.
Paperwork the franchise loan needs
•The sale contract, or the new franchise agreement
•The franchisor's disclosure document and any conditions of consent
•Bridging loans: repaid from the sale of a property you already own
Franchise loan terms
Loan feature
Detail
Loan size
From $250,000, with larger loans assessed case by case
Interest rate
From 9.7% p.a. on a first mortgage, from 11.95% p.a. on a second mortgage
Term
1 to 24 months, interest only
Maximum LVR
70% of the property value, including any existing mortgage
Security
A first or second mortgage over property you own. Never the franchise, the agreement or the lease
Settlement
From 24 hours
Refinancing after settlement
Franchise buyers usually repay us with bank franchise or business finance once the transfer is complete and the bank has the franchisor's consent and the signed lease. Some repay from the sale of a property. Where the outgoing franchisee agrees to take part of the price later, that reduces the amount you need to borrow.
“A franchise purchase has four sets of paperwork running at once: the sale contract, the franchisor's consent, the lease assignment and the bank's approval. We can have the loan ready while the franchisor and the landlord finish theirs. Send us the franchisor's timetable with your enquiry, and we will set the settlement date from it.”
It can, if the franchisor's approval is given before the receivers' settlement date. We can value the property securing the loan and issue terms while the franchisor assesses you, so the loan is ready to settle once the approval arrives. The security is real property, such as a property your company owns or a director's home, never the franchise itself.
Ask the receivers and the franchisor for their timetables in writing, and ask your solicitor what the contract says if the franchisor's approval is late.
That is the franchisor's decision, so ask it in writing before you rely on a loan. Franchisors set their own requirements, and some ask for funds that are not borrowed.
If yours accepts borrowed funds, we can confirm indicative terms in writing once we have assessed your home.
The refit is funded as a lump sum at settlement, not drawn in stages as the builder invoices. The business receives the funds and pays the builder.
The $350,000 is added to the purchase amount, and the total must stay within 70% of the value of the property securing the loan.
It can work where the home has room under 70% of its value after the bank's loans. For example, a home worth $1,600,000 with $700,000 owing allows $1,120,000 in total, which leaves $420,000.
If that is not enough for the third outlet, an investment property can be added as additional security.
No. The franchise agreement is not our security, so its remaining term does not limit the loan; the property you offer does.
It may matter to the bank that refinances our loan later, so ask the franchisor about renewal before you settle.
Yes. We fund the settlement, and the preferred lender repays our loan once its approval is through. Set our term longer than their eight weeks, in case their approval takes longer than estimated; terms run from 1 to 24 months.
Ask the preferred lender in writing whether it will refinance an existing loan, so the plan is confirmed before you sign.
Time the loan to the takeover date, not the day you sign the sale contract. Send us the contract and the training dates early, so the valuation and the letter of offer are done while you train.
Sign the letter of offer close to settlement. Funds can be available within 24 hours of signing.
The unit alone is not enough. 70% of $750,000 is $525,000, and after the $300,000 owing that leaves $225,000, which is below the $500,000 you need and below our $250,000 minimum loan.
If you or your business own another property, it can be added as additional security, and the 70% is worked out across both.
Start now. Our assessment and the valuation of your property can happen during the cooling-off period, and you are not committed to the loan until you sign the letter of offer.
You can choose to sign the letter of offer once the cooling-off period has ended. Your lawyer can confirm the dates under your agreement.
The franchisor makes that assessment, so give it your full plan: the loan amount, the term, and how the loan will be repaid. A loan with a dated exit, such as a refinance to a bank once the transfer is complete, is easier for a franchisor to assess.
Your lawyer can advise on how the Franchising Code of Conduct applies to your transfer.
Yes. The size or age of the brand is not what we assess. The loan is secured by property you own, and we look at its value and your plan to repay, such as a refinance once the outlet has trading results or the sale of a property.
For a new franchise, the franchisor must give you its disclosure document at least 14 days before the agreement is signed. Build that period into your settlement date, and we will time the funds to match.
Yes. Once we have assessed the property you are offering, we can confirm our indicative terms in writing for the franchisor. They are indicative terms, not a loan approval, and the letter says so.
No. The loan is secured by real property you own, such as your home or an investment property. The franchise, the agreement and the lease are what the money buys.
Yes. A refit required by the franchisor, transfer and training fees, and opening stock can all be included, within 70% of the property value. Send the franchisor's refit requirements with your enquiry.
Under the Code, if the franchisor has not refused in writing within 42 days of your request, or of the last information it asked for, whichever is later, it is taken to have consented. It can revoke consent within 14 days of giving it. Your lawyer can confirm the dates for your transfer.
A cooling-off period does not apply to every transfer of an existing franchise. A new franchise agreement has a 14-day cooling-off period after signing. Your lawyer can tell you whether it applies to yours before you settle.
Funds can be ready on the same day, depending on your scenario. The franchisor's consent and the lease assignment usually set the settlement date, so we can arrange the loan while those steps are in progress.
Yes. Retail, food and hospitality franchisees can need cash for stock, staff or a refit after they take over. We lend for working capital across retail, hospitality and our other industries.
