Urgent Short Term Loans for SMSF Business Premises Settlements

Settle the fund's purchase of business premises on time, then move to a long-term SMSF lender

Experts in strategic, short-term finance

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.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

SMSF property purchases have more steps than most: a holding trust, trustee approvals and a lender that understands the rules. When the settlement date is close and a long-term SMSF lender cannot finish in time, we can provide a short term loan to settle, then be repaid once the long-term loan is in place.

Since 10 August 2026, a new limited recourse borrowing arrangement can only be used to buy business real property. We fund SMSF purchases of business premises, such as the building a member's business operates from, and refinances of limited recourse loans that were in place before that date.

What the rules allow

The ATO limits how an SMSF can borrow, and every loan we write for an SMSF follows those limits:

•The loan must buy a single asset, such as one commercial property
•New arrangements from 10 August 2026 can only buy business real property, which the ATO describes as land and buildings used wholly and exclusively in a business
•The borrowed money can pay for repairs and maintenance, but not improvements
•The property can carry no other mortgage or charge, so a first mortgage is the only option
•The lender's recourse is limited to the property the fund bought

When SMSF trustees call us

•The fund has contracted to buy business premises, and the long-term lender will not be ready by settlement
•The fund's existing limited recourse loan is expiring, or its lender is leaving the SMSF market
•A member's business needs the fund to own its premises before the current lease ends
•A related party is selling business real property to the fund at market value on a fixed date
•The bank's SMSF team has asked for more time than the contract allows

Advice comes first

We are a lender, not a financial adviser, and we cannot advise on whether your fund should buy a property or how the purchase should be structured. The ATO recommends advice from a qualified, licensed professional, and anyone advising on an SMSF must hold an Australian financial services licence or be authorised by a licensee. Please speak to your licensed SMSF adviser first. We work with them to meet the settlement date.

Settling an SMSF purchase with us

Enquiry. Send us the contract, the fund's details and your SMSF adviser's name. We confirm indicative terms within hours.
Structure check. Our solicitors review the holding trust and trustee documents with your adviser. This step adds a few days, so call us as early as you can.
Valuation. Our valuers inspect the premises the fund is buying.
Settlement. An SMSF settlement usually takes around five business days, rather than the 24 hours possible on our other loans.

Documents for an SMSF loan

•The contract of sale for the business premises
•The SMSF trust deed and the trustee's details
•The holding trust deed your adviser has arranged for the purchase
•The lease between the fund and the business, if a member's business will occupy the premises
•Your adviser's plan for the long-term loan

The one loan that fits an SMSF purchase

•First mortgage: over the business premises the fund is buying, because the rules allow no other charge over it

Second mortgages, caveat loans and lines of credit are not available for SMSF purchases, because the rules allow no other charge over the property.

SMSF loan terms

Loan feature	Detail
Loan size	$250,000 to $10,000,000
Interest rate	From 9.7% p.a. on a first mortgage
Term	1 to 24 months, interest only, as a bridge to a long-term SMSF lender
Maximum LVR	70% of the lower of the assessed value and the purchase price
Security	A first mortgage over the business real property the fund is buying, held in the holding trust
Settlement	Usually around five business days

Repaying with a long-term SMSF loan

Our loan is short term by design, and SMSF property is usually held for many years. The usual plan is a long-term SMSF lender refinancing our loan, or occasionally the sale of the property. We agree the plan with your adviser before settlement.

“SMSF purchases are one of the few loans where speed depends as much on the paperwork as on the property. The holding trust and the fund's documents need to be right before settlement, and they are hard to fix afterwards. We work with the fund's adviser early, so the settlement date is met and the long-term lender can take over without delays.”

Gino Tabila

Associate Director

Frequently Asked Questions

Yes, but only business real property under a new limited recourse borrowing arrangement. The ATO says arrangements entered into on or after 10 August 2026 to buy real property can only be used to acquire business real property. An SMSF can still buy residential property, but it cannot borrow to do so under a new arrangement.

Yes. The ATO has said the 10 August 2026 change does not apply where a fund refinances a limited recourse loan it entered into before that date, including with a new lender. That covers residential property too, so a fund with an existing residential loan can still refinance it.

The loan can pay for repairs and maintenance, but not for improvements. The ATO rules say borrowed money cannot be used to improve the asset, and the ATO gives building a house on vacant land as an example of an improvement. Your adviser can tell you whether your planned works count as a repair or an improvement.

No. Under the ATO rules, the property bought under a limited recourse loan cannot carry any other mortgage or charge, and the lender's recourse is limited to that property. That is why an SMSF loan is always a first mortgage over the one property.

We need to learn your scenario further. Premises used wholly and exclusively in a business can qualify as business real property, and buying them from a related party at market value is one of the exceptions the rules allow. Your SMSF adviser must confirm the property qualifies before we can lend.

No. We are a lender, and advice on an SMSF must come from someone who holds an Australian financial services licence or is authorised by a licensee. Speak to your licensed SMSF adviser first, and we will work with them on the loan.

We can give you indicative terms the same day, depending on your scenario, but an SMSF settlement usually takes around five business days. The holding trust and trustee documents must be reviewed before we lend, and that is what takes the extra time. Calling us as soon as the contract is signed gives us the time to meet your date. The case studies below are not SMSF loans: they show how quickly we settle where no holding trust review is needed.

Yes, with a separate loan to the business. It must be secured by property outside the fund, such as a director's home or an investment property, because the fund's property can carry no other charge. We lend to professional services, manufacturing and other businesses for working capital.