Guides
Secured lending guides
Deep, practical explainers on bridging, caveat and mortgage-secured business finance, checked against official Australian sources.
Loan structuresProperty and securityCosts and termsExit and refinanceTax and creditorsBuying and selling
How Private Lenders Assess a Secured Business Loan
The four questions a private lender asks about every secured business loan: security, exit, purpose and borrower, and how to answer each one well.
31 October 2026
Caveat vs Second Mortgage: Which Suits Your Business Loan?
Caveat loans and second mortgages both sit behind an existing loan. Compare speed, cost, consent, term and risk to choose the right structure for your deal.
31 October 2026
Converting a Caveat to a Registered Second Mortgage
Why and how a caveat loan is converted to a registered second mortgage: the triggers, consent, documents, costs and what changes for the borrower.
31 October 2026
First vs Second Mortgage Business Loans: Which to Choose
Compare first and second mortgage business loans: when to refinance the existing loan, when to borrow behind it, and how cost, consent and LVR differ.
31 October 2026
LVR Explained for Business Borrowers Using Property Security
How LVR works on secured business loans: combined LVR for second mortgages, why property type changes the limit, capitalised interest and end-of-term LVR.
31 October 2026
Prepaid vs Capitalised Interest on Secured Business Loans
How prepaid, capitalised and monthly interest work on short-term secured business loans, with an illustrative comparison of cash received and peak debt.
31 October 2026 No Valuation Before Approval: How Property Is Assessed
Why secured business loans can be approved without a formal valuation, what evidence lenders use instead and how to give your property the fairest assessment.
31 October 2026 How to Read Indicative Terms for a Secured Business Loan
A line-by-line guide to indicative terms for secured business loans: amount, security, term, interest, fees, conditions, extensions and early repayment.
31 October 2026
How Much to Borrow on a Bridging Loan: Sizing It Right
Size a bridging loan properly: the true cash need, costs to settlement, capitalised interest, buffers, and testing the exit against peak debt before you commit.
31 October 2026
How Fast Can a Secured Business Loan Settle? A Timeline
A realistic timeline for secured business loans from enquiry to funds, where the time goes, what causes delays and how to settle in as little as 24 hours.
31 October 2026 Exit Strategies Lenders Accept for Short-Term Secured Loans
Sale, refinance and incoming-payment exits for bridging and secured business loans: what evidence lenders want, how to strengthen each and why backups matter.
31 October 2026
Plan B Exits: What to Do When Your First Exit Slips
When a sale stalls, a refinance is delayed or a payment runs late, here is how to protect a bridging or secured loan with a credible plan B exit.
31 October 2026
Preparing a Bank Refinance While on a Private Loan
Use the term of a private secured loan to qualify for a bank refinance: accounts, tax lodgements, credit file, valuation and timing, step by step.
31 October 2026
Commercial Property as Security: What Lenders Look At
How lenders assess offices, shops, warehouses and mixed-use buildings as loan security: location, leases, vacancy, zoning, condition and saleability.
31 October 2026
Vacant Land as Security for a Business Loan
How lenders assess vacant land as security: zoning, approvals, services, constraints, location and exit, and how to strengthen a land-secured business loan.
31 October 2026
Specialised Property as Loan Security: Pubs, Childcare, Fuel
How lenders assess pubs, hotels, childcare centres, service stations, medical centres and other specialised property, and how to strengthen these loans.
31 October 2026 ATO Debt Options Compared: Payment Plan, Loan or Restructure
Compare ways to deal with business tax debt: an ATO payment plan, a property-secured loan, a refinance, an asset sale or restructuring, and when each fits.
31 October 2026
Director Penalty Notices Explained for Company Directors
What a director penalty notice is, which tax debts it covers, the 21-day window, lockdown notices, new director rules and how to prevent and resolve a DPN.
31 October 2026 What ATO Debt Escalation Looks Like for a Business
How unpaid business tax debt typically escalates: reminders, interest charges, garnishee notices, director penalties, credit reporting and legal action.
31 October 2026 How an ATO Garnishee Notice Affects Your Business
What an ATO garnishee notice is, who receives it, how it disrupts cash flow and trading, and the practical steps to have it withdrawn and protect the business.
31 October 2026
Super Guarantee Charge and Payday Super: What Changes
How the super guarantee charge works, why it can become a director penalty, and how Payday Super from 1 July 2026 changes when employers must pay super.
31 October 2026 Statutory Demands and the 21-Day Clock for Companies
How a creditor's statutory demand works, what the 21 days mean, the presumption of insolvency, setting aside, paying in time and protecting the company.
31 October 2026 Mortgagee Sales and How Business Owners Can Avoid Them
How a lender moves from default to a mortgagee sale, why forced sales cost owners equity, and practical steps to refinance or sell on your own terms first.
31 October 2026 What to Do When Settlement Is Days Away and Funds Are Short
A practical action plan when a property settlement is days away and funds are short: confirm the gap, tell the right people and arrange secured funding fast.
31 October 2026 Buying Commercial Property at Auction: A Finance Checklist
A pre-auction finance checklist for commercial property: unconditional contracts, deposits, GST, duty, bank valuations, backup funding and settlement timing.
31 October 2026
Planning for Transfer Duty on a Business Property Purchase
How to plan for transfer duty when buying business premises or commercial property: who collects it, when it is due, related-party transfers and funding it.
31 October 2026 GST on Property: Going Concerns and the Margin Scheme
A plain-English overview of GST on commercial property and development sales: taxable supplies, GST-free going concerns, the margin scheme and cash flow.
31 October 2026 First Mortgagee Consent for a Second Mortgage Explained
Why your bank may need to consent to a second mortgage, what it asks for, how long it takes, deeds of priority and what to do when consent is slow.
31 October 2026 Using a Director's Home as Security for a Business Loan
How a director's home can secure a company loan: third-party security, guarantees, independent legal advice, family conversations and protecting the home.
31 October 2026
DA-Approved Land and Lending: How Approvals Change the Deal
How a development approval affects land value, lender appetite and exit options, plus what lenders check in a DA and how to plan from approval to build.
31 October 2026 Residual Stock Strategies for Developers With Unsold Units
What developers can do with unsold units or lots at completion: sell-down plans, pricing, leasing, residual stock loans, release amounts and holding costs.
31 October 2026
Regional Property as Security for a Business Loan
How lenders assess regional homes, farms, commercial buildings and holiday property as security, why LVRs can differ and how to strengthen regional loans.
31 October 2026 Third-Party Security and Guarantees for Business Loans
How a family member's or associate's property can secure a business loan, what a guarantee commits them to, and the advice and safeguards lenders expect.
31 October 2026
Using Property Equity for Working Capital Without Refinancing
How a second mortgage or caveat loan can release property equity for business cash flow while leaving your existing home loan or first mortgage in place.
31 October 2026 Bad Credit and Secured Business Loans: What Really Matters
Why a poor credit file does not rule out a property-secured business loan, what private lenders weigh instead, and how to present past credit problems.
31 October 2026 Questions to Ask Before Signing a Private Business Loan
A practical list of questions about costs, interest, term, default, early repayment and exit to ask a private lender before you sign a secured business loan.
31 October 2026 Private Lender Red Flags Business Borrowers Should Know
Warning signs when dealing with a private lender or finance intermediary: upfront fees, pressure to sign, vague terms and unrealistic promises.
31 October 2026 How to Prepare a Loan Scenario Summary for a Private Lender
A one-page scenario summary helps private lenders say yes faster. What to include: amount, purpose, security, existing debt, exit, timing and credit history.
31 October 2026 Funding a Business Acquisition With Property Equity
How buyers use equity in a home or investment property to fund a business purchase, how lenders view acquisition loans, and how to plan the refinance exit.
31 October 2026 Buying Out a Business Partner Using Property-Secured Finance
How to fund a partner or shareholder buyout with property-secured finance, from valuing the share and agreeing terms to settlement and the exit.
31 October 2026 What Happens When a Private Secured Loan Reaches Maturity
What to expect as a private secured loan reaches the end of its term: payout figures, discharge, extensions, refinancing and late exits.
31 October 2026 Seasonal Cash Flow Gaps and Property-Secured Loans
How seasonal businesses in farming, tourism, retail and trades use short-term property-secured loans to bridge costs until peak-season income.
31 October 2026 PEXA Electronic Settlement Explained for Business Borrowers
How electronic property settlement through PEXA works for secured business loans, refinances and purchases, what borrowers need to do and what can cause delays.
31 October 2026 Title Searches: What Secured Lenders Look For on Your Title
What a property title search shows, the registered interests secured lenders check for, and how caveats, easements, covenants and writs can affect a loan.
31 October 2026 Default Clauses and Default Interest in Private Secured Loans
What counts as a default in a private secured business loan, how default interest and enforcement costs work, and what to do if you are at risk of default.
31 October 2026 Early Repayment and Discharge of a Private Secured Loan
How to repay a private secured business loan early: payout figures, minimum interest periods, prepaid interest refunds, discharge documents and timing.
31 October 2026 Borrowing Through a Trust: Secured Loans for Trustees
How secured business loans work when the borrower or property owner is a family or unit trust: trust deed checks, trustee powers, guarantees and documents.
31 October 2026 Off-the-Plan Valuation Shortfalls: Options at Settlement
What to do when an off-the-plan or commercial purchase values below the contract price at completion, including bridging the gap with property-secured finance.
31 October 2026 Using a Secured Loan in a Business Turnaround
When a property-secured loan can support a business turnaround, how it fits with advisers and creditors, and signs that borrowing will not fix the problem.
31 October 2026 Secured vs Unsecured Business Finance: Which Suits You?
Compare property-secured business loans with unsecured business lending: loan size, cost, speed, documents, credit requirements and the risk to your property.
31 October 2026Show us the property and the deadline. We'll show you the structure.
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