ATO debt
Clear the tax office in one move
A company director with a home worth around $1.4m and a bank loan of $600k borrows $180k by second mortgage to pay the ATO in full and stop the interest charges compounding.
Second mortgage
Direct private lender · Australia-wide
Borrow against your property. Know in 60 seconds.
Private first and second mortgages and caveat loans from $20k to $5m for Australian businesses. No repayments for the first 6 months, open terms, no sworn valuation — and funding in as little as 24 hours.*
- No credit check to find out
- One direct lender, not a panel
- Start-ups welcome
Live deal Looks fundable
Loan amount
$350,000
Property value$1,450,000Residential · QLD
LVR incl. loan60%of 80% max
8of 8 checks
pass
Example: $520k already owing on a first mortgage.
- 80% max LVR
- 6 months no repayments
- $20k–$5m loan size
- 24h* funding
- No sworn valuation
How it works
From question to funds, in three moves.
No paperwork to start, no credit check to find out, and a real person on your file from the first call.
- 01Check your deal
Five quick steps — the loan, the property, the borrower, the exit and your details. Your indicative equity, position and LVR appear on screen.
- 02A specialist calls you
Usually within the hour in business hours. They confirm the figures, ask about the exit and tell you plainly what's possible.
- 03Offer, then funds
We assess the property ourselves — no sworn valuation — issue the Letter of Offer and settle. Funding in as little as 24 hours from a clean, complete scenario.
No judgement lending
Bad credit? ATO debt? We don't judge — your equity does.
Defaults, tax debt, a bank that said no, a business that opened last month. None of it rules you out on its own. If you own property with equity and need money for the business, we fund it.
Bad credit Defaults, judgments, missed payments A damaged credit file is never disqualifying on its own. We read the story, then lend on the property. Bad credit business loans Tax debt ATO debt, garnishees, blown payment plans Overdue BAS, GST, PAYG or super. The loan pays the ATO directly at settlement and the pressure stops. Business loans for tax debt Start-ups New business, no financials yet No minimum trading period and no tax returns needed. Opened last month? You can still borrow. Start-up business loans Bank said no Declined by the bank A bank's no is usually a policy rule, not a verdict on you. We pay the bank out or lend behind it. When the bank says no No servicing No serviceability test No turnover test and no income calculation. The loan is repaid from your exit: a sale, refinance or contract. Benefits of secured finance The equity rule 80%residential70%commercial Total lending on the property, including what's already owing, up to these limits. If the equity is there, that's what we lend on. How much equity can I use?
What we look at
The property and the exit. That's mostly it.
We lend against Australian real property for business purposes. Total debt on the property — including our loan — can reach these limits:
- No minimum trading period — start-ups welcome
- No turnover test and no serviceability test
- Credit issues and ATO debt are never disqualifying on their own
- Companies, trusts and sole traders
80%
Residential
Houses, units and townhouses. Under $800,000 in value, the LVR may reduce.
70%
Commercial, industrial, retail & office
Offices, shops, factories, warehouses and mixed use.
60%
Rural, large acreage & vacant land
Farmland, lifestyle acreage and vacant blocks.
Where we sit on the title
- Clear Nothing owing → first mortgage
- Clear One existing loan → second mortgage or caveat
- Not a fit Two loans already → third position, unless one is paid out in the same deal
Four ways to secure it
Every kind of property-secured business loan, under one roof.
Pick the structure by where the loan sits on your title and how quickly you need it. Not sure? The 60-second quiz narrows it down.
How secured lending helps
Real situations, solved with equity.
Illustrative examples of the problems property equity solves every week for Australian businesses. Figures are rounded and aren't offers.
Settlement
Settle the warehouse on time
A manufacturer's bank approval stalls a week before settlement. A private first mortgage over a debt-free factory unit funds the purchase; the bank refinances it out later.
Private first mortgage
Developers
Hold the stock, don't fire-sale it
A developer with four unsold townhouses releases equity across them to repay a construction lender, then sells each one at the right price over the next year.
Residual stock loan
Opportunity
Secure the site before someone else does
A builder spots a block at the right price. A caveat loan over an investment property funds the deposit within days; it's repaid when the project finance lands.
Caveat loan
Growth
Open the second shopfront
A retailer uses equity in two properties — the home and a small commercial unit — to fund a fit-out and stock for a second location.
Multiple properties
Rural
Carry the business to harvest
A farming family uses part of the equity in its land to carry the business through to sale proceeds, with interest capitalised so there's nothing to pay monthly.
Capitalised interest
More ways secured lending helps
- Pay an ATO debt
- Buy commercial property fast
- Settle on time
- When the bank says no
- Fund business expansion
- Buy out a partner
- Buy a business
- Bridge until a sale
- Fund a big contract
- Refinance a loan in default
- Release investment equity
- Value-add before sale
- Pay out an expiring loan
- Buy at auction
- Statutory demand
- Fund GST on a purchase
- Fund stamp duty
- Payday Super and payroll
- Off-the-plan shortfall
- Bank finance fell through
- Notice to complete
- Buyer failed to settle
- Bank won't renew
- Stop a mortgagee sale
- Winding-up application
- ATO garnishee notice
- ATO payment plan defaulted
- Preference claim
- Restructuring plan funds
- Settle before Christmas
Private first mortgages
First position, private terms.
Borrow against property you own outright, or refinance a bank out of first position — open terms, no repayments for the first 6 months, priced on the security and the exit.
Second mortgages & caveats
Keep the bank. Use the equity.
Keep your bank loan where it is and borrow against the equity sitting behind it — by registered second mortgage or a fast caveat loan.
Loan purposes
What will the money do?
What business owners actually use property-secured private loans for — suppliers, stock, imports, equipment, tax bills, buyouts, deposits and more — and how each one is structured.
- Supplier payments
- Stock and inventory
- Imports and customs duty
- Equipment and machinery
- Balloon payments
- Vendor finance payouts
- Business debt consolidation
- Refinance online loans
- Late-paying customers
- Waiting on a tax refund
- Insurance claim gap
- Bank guarantees and bonds
- Fit-outs and new premises
- Buy your business premises
- Freehold going concerns
- Management buyouts
- Insolvency asset purchases
- Judgment debts
- Off-market purchases
- Mortgagee sale purchases
- Property deposits
- Warehouse purchases
- Co-owner buyouts
- Start-up businesses
- Capital raise bridge
- Land tax bills
- Developer contributions
- Joint venture contributions
- Construction cost overruns
- Working capital
Or start from the amount
Your security
Which property can back the loan?
How much equity you can use, which properties count, and how company, trust and family-owned property can secure a business loan.
Equity and LVR explained
Work out the usable equity in your property for a secured business loan: what's owing, first vs second mortgage, LVR and how $20k to $5m is assessed.
Read →Multiple properties
Combine equity in two or more properties for one secured business loan: how cross-collateral works, mixing first and second mortgages, releasing a title.
Read →Residential vs commercial
How a private lender looks at a house versus a shop, office or warehouse as security for a business loan: leases, buyer pool, GST on exit and what to prepare.
Read →Company or trust property
Use property held in a company or family trust as security for a business loan. Who signs, what the trust deed must allow, director guarantees and documents.
Read →Third-party security
Use a family member's, director's or partner's property to secure your business loan. What they sign, what they're liable for and how to set it up properly.
Read →No-valuation loans
No formal valuation required: how a private lender assesses your property directly, why it saves time and cost, and what you need to tell us up front.
Read →Capitalised interest
How capitalised interest works on our secured business loans: no repayments for 6 months, interest-only after that, and a rebate if you repay early.
Read →For property developers
Keep the project moving between the big cheques.
Construction lenders fund the build. Everything around it — the site deposit, the DA and consultants, the stock that hasn't sold — is where private secured funding earns its keep. It's secured on completed property you already own, never on the build itself.
Developer funding →- Developer financePrivate funding for developers and builders, secured on completed homes, commercial property or land you own. Not a construction loan. $20k to $5m.
- Residual stock loansConstruction loan due and units still unsold? A residual stock loan refinances completed stock so you can sell on your terms. No formal valuation.
- Land bank loansHold a development site through approvals or a slow market with a private loan secured on the land and other property. $20k to $5m, no formal valuation.
- Site deposit fundingNeed a deposit to secure a development site this week? Borrow against property you already own, with funding in as little as 24 hours from a clean file.
- Pre-construction costsPay for the DA, architects, engineers and holding costs before a construction lender steps in, using a private loan secured on property you already own.
- Builder fundingWorking capital for builders secured on your home, yard or investment property. Pay subbies, buy materials or clear an ATO debt. $20k to $5m.
Guides
Read this before you sign.
Private lender vs bank: which suits a secured business loan?
Where a bank wins, where a private lender wins, and how many owners use one to get to the other.
Read the guide →
How to build an exit strategy for a short-term mortgage
The exit is the part of your application a private lender reads twice. Here's how to make it hold up.
Read the guide →
What documents do you need for a private mortgage?
A practical checklist of what a private lender asks for, why, and the paperwork you can leave in the drawer.
Read the guide →Questions
Secured lending, straight answers.
Still unsure which structure suits you? Take the quiz, run the calculator or just check your deal.
What is secured lending?
Secured lending is borrowing with an asset pledged as security, so the lender can recover the debt from that asset if the loan isn't repaid. For Australian business owners the asset is usually property, and the loan is set up as a private first mortgage, a second mortgage or a caveat loan. Because the property protects the lender, secured lending can reach larger amounts and move faster than an unsecured loan.
How much can I borrow?
Loans run from $20,000 to $5,000,000. Total debt on the property, including the new loan, can reach up to 80% of value for residential property, 70% for commercial, industrial and retail, and 60% for rural land and vacant land. The deal check works out your indicative available equity in about a minute.
What's the difference between a first mortgage, a second mortgage and a caveat loan?
A first mortgage ranks first on the title and is paid out first if the property is sold. A second mortgage sits behind an existing first mortgage, so you keep your bank loan and borrow against the equity above it. A caveat loan is the quickest form of security to put on the title, and it can later be converted to a registered second mortgage.
Do I need a valuation?
No sworn valuation is needed. We assess the property ourselves using the title, the location and recent sales, so there's no valuer to book, wait for or pay.
Do I have to make monthly repayments?
Not for the first 6 months. Interest is capitalised — added to the loan — for the first 6 months, so there's nothing to pay while the money does its job. Terms are open, and you can repay early at any time.
How fast can the money land?
Funding can happen in as little as 24 hours from a clean, complete scenario — accurate figures, statements for anything owing on the property and a clear exit. Most of the delay in any loan is missing paperwork, so having it ready matters.
Do I need to have been trading for a while?
No. Companies, trusts and sole traders are all welcome, including start-ups. There's no minimum trading period, no turnover test and no serviceability test — the loan is assessed on the property and how it will be repaid.
Can I get a secured loan with bad credit or an ATO debt?
Often, yes. Defaults, tax debt and past credit problems are never disqualifying on their own. With private secured lending, the equity in the property and a believable exit carry far more weight than a credit score.
Is this for home loans?
No — these are business loans only. That includes paying the ATO, working capital, buying property or a business, bridging a settlement, refinancing a lender and equipment or stock. For a personal or household loan, your bank or a mortgage broker is the right call.
Will checking my deal affect my credit file?
No. There's no credit check to find out where you stand. A specialist reviews your answers and calls you first; a credit check only happens if you decide to go ahead.
Put your property to work for the business.
Five quick steps, an instant indicative answer and a lending specialist who calls you back. No credit check to find out.
- $20k–$5m secured on property
- 6 months no repayments
- No sworn valuation
*Funding in as little as 24 hours from a clean, complete scenario.