Secured Business Loans
Leverage your property or business assets to access larger loan amounts with more competitive interest rates.
Key Features
Property Security
Use residential or commercial property as loan security
Larger Amounts
Access to higher loan amounts than unsecured options
Better Rates
More competitive interest rates due to reduced lender risk
Flexible Use
Funds can be used for any legitimate business purpose
Secured Business Loans Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Health Food Business Acquires Premises
The Scenario
Self-employed business owners operating a health food manufacturing company for 20+ years wanted to purchase their leased premises from the landlord.
The Challenge
Most lenders would only offer 70% LVR on commercial property, requiring a substantial deposit the owners did not have readily available.
The Solution
A specialist lender was identified willing to extend to 80% LVR based on the strong trading history and long-term lease arrangement, with a 15-year term and 5-year interest-only period.
The Outcome
The owners now pay approximately $2,000 less per month in loan repayments compared to their previous rent, freeing up cash flow for business growth.
$1M
Loan Amount
80%
LVR Achieved
$2,000
Monthly Savings
SMSF Industrial Property Purchase
The Scenario
A husband and wife with approximately $400,000 in their self-managed super fund wanted to diversify into commercial property.
The Challenge
Finding a lender that accepts commercial property security within an SMSF structure while meeting the strict 25% contribution requirements.
The Solution
A specialist SMSF lender comfortable with industrial property was sourced, with the loan structured to maximise the fund's purchasing power.
The Outcome
The couple successfully purchased an industrial property with loan repayments coming in lower than the rental income, boosting their super returns.
$400K
SMSF Balance
Industrial
Property Type
Positive
Cash Flow
Working Capital for Established Business
The Scenario
A NSW-based packaging company with nearly 50 years of trading history required working capital to fund a major contract.
The Challenge
The business needed quick access to funds without disrupting existing banking relationships or providing personal property as security.
The Solution
A short-term commercial facility was arranged, secured against business assets with a 3-month term at 65% LVR.
The Outcome
The business secured the working capital within 2 weeks, fulfilled the contract, and repaid the facility on time.
$910K
Facility Size
3 months
Term
65%
LVR
Client Testimonials
Hear from our satisfied clients
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Terry M.
Refinancing
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Home Loan
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Nayer G.
Investment Property
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Start ApplicationUnlock Your Asset Value
Secured business loans allow you to leverage the equity in your property or other assets to access the capital your business needs.
By providing security, you can often access larger amounts and better rates than unsecured lending options.
Acceptable Security Types
We can arrange loans secured against residential property, commercial property, rural land, and in some cases, business assets or equipment.
Even if you have a complex ownership structure or multiple securities, we can help structure a solution.
Discuss Your Secured Business Loans Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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