Secured lending for business · Australia-wide
Own property and need money for your business? Borrow $20k – $5m against it with a private first mortgage, second mortgage or caveat loan — no formal valuation*, and funding possible within 24–48 hours.
*In most cases we don't use valuers, but sometimes we may.
No credit check to enquire
Finding out what your property can unlock doesn't touch your credit file. A credit check only comes up if you decide to proceed.
One lender, not a mailing list
Your enquiry goes straight to a direct lender — it isn't auctioned to a dozen funders who all ring you at once.
A real specialist on your file
A secured-lending specialist reads every enquiry and calls you. Accurate answers about the property and what's owing get you a real answer first time.
Four ways to secure it
Pick the structure by where the loan sits on your title and how long you need it. Not sure? The 60-second quiz narrows it down.
Why secured lending
When you own property and need money for the business, secured lending trades a little risk to your property for a lot more speed, size and certainty. Here is what that looks like in practice.
Funding is possible within 24–48 hours once documents are in, and smaller amounts can sometimes settle the same day.
Read →Limited by the equity in your property, not by your turnover — from $20k to $5m.
Read →A first mortgage, a second mortgage or a caveat loan — chosen to fit the title and the deadline.
Read →Interest can be prepaid or capitalised, so there may be nothing to pay each month during the term.
Read →The lender assesses the property itself, so there's no valuer's invoice or waiting days to start.
Read →Defaults and ATO debt are looked at case by case; the property and the exit carry the weight.
Read →New to it? Start with how secured lending works, or compare it with unsecured lending.
Know where you rank
Every property has a value and a queue of lenders registered against it. The lender at the front of the queue — first mortgage — is paid first when the property sells. A second mortgage stands behind it. The space left over is your equity, and that's what a private secured loan is built on.
How secured lending helps
Illustrative examples of the problems property equity solves every week for Australian businesses. Figures are rounded and not offers.
A company director with a family 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 · Illustrative
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 · Illustrative
A developer with four unsold townhouses releases equity across them to repay a construction lender and sells each one at the right price over the next year.
Residual stock loan · Illustrative
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 · Illustrative
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 · Illustrative
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 · Illustrative
More ways secured lending helps
Private first mortgages
Borrow against property you own outright, or refinance a bank out of first position — private terms of 1 to 24 months, priced on the security and the exit.
Second mortgages & caveats
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 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.
For property developers
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 →
No formal valuation
Bank-style valuations add cost and days — and a conservative figure can shrink the loan you were counting on. Here the lender assesses the property itself, using the title, the location, recent sales and what's already owing, so the answer comes back faster.
Your security
How much equity you can use, which properties count, and how company, trust and family-owned property can secure a business loan.
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 →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 →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 →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 →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 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 →How prepaid and capitalised interest work on a private secured business loan, why there may be no monthly repayments, and what each option costs your equity.
Read →How it works
Sixty seconds online: the amount, what it's for, the property, what it's worth and what's owing. No credit check.
A secured-lending specialist reads your enquiry, asks the questions that matter and tells you plainly what's possible.
Send the documents, the lender assesses the property — no formal valuation — and you get the terms in writing.
Solicitors sign off, the security is registered and funds are paid — to you, the ATO or whoever needs paying.
The lender behind this site
Secured Business Finance is powered by fundU, a division of U Collective Group Pty Ltd. These are the fundU lending pages that go with what you've just read.
Guides
Questions
Still unsure which structure suits you? Use the quiz, run the calculator or just ask us directly.
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 often reach larger amounts and move faster than an unsecured loan.
It's a business loan from a private lender that takes first registered security over a property — either one you own outright or one where the private loan pays out the existing bank. Private first mortgages here run for terms of 1 to 24 months and are assessed on the property, the purpose and how you'll repay, rather than on bank-style servicing rules.
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 a faster, simpler form of security lodged on the title; it can later be converted to a registered second mortgage.
Loans run from $20,000 to $5,000,000. The amount depends on what the property is worth, what's already owing against it, the type of property and the exit plan. Our secured borrowing calculator gives you a quick estimate across one or several properties.
No formal valuation is required. The lender assesses the property itself, which saves you the cost of a valuer and the days a valuation usually adds — and avoids a conservative valuer figure shrinking the loan.
Funding is possible within 24–48 hours once the documents are in, and smaller property-secured amounts can sometimes settle the same day. The biggest delays are usually missing documents or slow responses from an existing lender, so having statements ready helps.
Not necessarily. Interest can be prepaid or capitalised — added to the loan — so there may be nothing to pay during the term. The loan is then repaid in full at the end from your exit, such as a sale or a refinance.
Often, yes. Defaults, tax debt and past credit problems are considered case by case. With private secured lending the equity in the property and a believable exit carry far more weight than a credit score.
No — these are business loans only. That includes funding for a trading business, property investment or development business, paying business debts or buying commercial property. If you need a personal home loan, tell us on the form and we'll point you in the right direction.
No. There's no credit check when you first enquire. A specialist reviews what you've told us and calls you first; a credit check only happens if you choose to go ahead.
One 60-second enquiry. No credit check to ask, no lender auction, and a secured-lending specialist who calls you with a straight answer.
No credit check to enquire
One lender, not a mailing list
A real specialist on your file