Loan products
Secured Business Loan Types
Every structure we arrange is secured by real property. Pick the product, or tell us the problem and we will pick it with you.
Secured lending is not one product. A first mortgage, a second mortgage and a caveat all sit on the title in different ways, carry different paperwork and suit different timelines. Choosing well is half the job.
Each page below explains one structure or one loan size in depth: what it is, when it fits, what the lender needs to see, how it is repaid and the traps to avoid. If you would rather skip the reading, a specialist can match you in one call.
Core secured structures
The building blocks. Most deals use one of these.
Secured business loans
Secured business loans from $20k to $5m against residential or commercial property. First, second or caveat position, no valuation before approval.
Read more →Bridging loans
Business bridging loans secured by property: buy before you sell, settle on time or refinance a maturing loan. $20k to $5m, interest prepaid or capitalised.
Read more →First mortgages
First mortgage business loans from $20k to $5m on clear or refinanced titles. Assessed on property and exit, with no valuation needed before approval.
Read more →Second mortgages
Second mortgage business loans from $20k to $5m. Keep your existing home or commercial loan and borrow against spare equity, with no valuation first.
Read more →Caveat loans
Caveat loans for business from $20k to $5m. Lodged quickly on title behind any existing mortgage, convertible to a registered second mortgage later.
Read more →Private lender loans
Private lender business loans secured by property, from $20k to $5m. Non-bank credit decisions built on security and exit rather than income ratios.
Read more →Short-term loans
Short-term business loans secured by property for terms measured in months. $20k to $5m, interest prepaid or capitalised, repaid from a sale or refinance.
Read more →By loan size
What changes as the amount grows, from $100k to $5m.
$250k loans
How a $250k secured business loan works: the property it takes, common uses like ATO debt, stock and deposits, and how quickly funds can be available.
Read more →$500k loans
What a $500k secured business loan takes: equity, security position, exit and timing. Common uses include premises deposits, buyouts and consolidation.
Read more →$1m loans
How a $1 million secured business loan is structured: commercial or residential security, first or second mortgage, common uses and what lenders check.
Read more →$2m loans
How $2 million secured business loans work: multi-property security, refinances, acquisitions and residual stock, and the exit evidence lenders expect.
Read more →Up to $5m
Secured business loans up to $5 million against commercial, residential and development property. How large private loans are structured and settled.
Read more →By purpose and profile
Refinance, tax debt, working capital, property and credit-impaired borrowers.
Business loan refinance
Refinance an expensive, expiring or unwanted business loan with a property-secured loan from $20k to $5m. Consolidate debts and release equity in one step.
Read more →ATO debt loans
ATO tax debt loans secured by property, from $20k to $5m. Clear GST, PAYG withholding, income tax or super debts before penalties and enforcement escalate.
Read more →Working capital
Secured working capital loans from $20k to $5m against property. Fund stock, wages, contracts and growth with interest prepaid or added to the loan.
Read more →Debt consolidation
Consolidate unsecured business loans, merchant advances, tax and supplier debts into one property-secured loan from $20k to $5m. Free up daily cash flow.
Read more →Commercial property loans
Private commercial property loans from $20k to $5m: buy, refinance or release equity from offices, shops, warehouses and mixed-use buildings, fast.
Read more →Residual stock loans
Residual stock loans for developers with completed but unsold units, townhouses or lots. Repay the construction lender and sell on your timetable.
Read more →Land loans
Private land loans for vacant blocks, development sites and land awaiting approval. Buy, settle or release equity from land, from $20k to $5m.
Read more →Bad credit loans
Bad credit business loans secured by property, from $20k to $5m. Defaults, arrears and past insolvency considered case by case; the property and exit lead.
Read more →Emergency loans
Emergency business loans secured by property for deadlines measured in days: failed settlements, tax notices, creditor demands and urgent payroll.
Read more →Low doc loans
Low doc business loans secured by property for self-employed owners without up-to-date financials. Assessed on security and exit, from $20k to $5m.
Read more →Equity release
Release equity from residential or commercial property for your business, from $20k to $5m. Keep your bank loan, add a second mortgage, or refinance.
Read more →Questions about loans
Which secured loan type is right for my business?
It depends on what is already on the title and how long you need the money. With no existing mortgage, a first mortgage is usually simplest. With a bank loan you want to keep, a second mortgage or caveat sits behind it. For very short, urgent needs, a caveat is often quickest.
What is the smallest and largest loan available?
Loans run from $20,000 to $5,000,000, secured by residential or commercial property. The right amount depends on equity and the exit.
Is a valuation needed before approval?
No valuation is needed before approval. The property is assessed from market evidence, title searches and photos.
Can interest be paid at the end?
Yes. Interest can be prepaid at settlement or added to the loan, and the balance is repaid in one amount from the exit.
No credit check to enquire
Find out where you stand before anything touches your credit file. A check only happens once you choose to proceed.
Not shopped around
Your enquiry is not sprayed across a list of lenders. It stays with one team that works the deal properly.
A real person on your file
A secured lending specialist reads your details and calls you. Accurate answers on the form mean the right structure first time.
Prefer to start now? Enquire here
About 60 seconds. No credit check when you first enquire, and a secured lending specialist calls you back.
Show us the property and the deadline. We'll show you the structure.
One short enquiry. No credit check when you first enquire, a specialist reading it, and your details kept with one team rather than shopped around.
No credit check to enquire
Not shopped around
A real person on your file