Secured Business Finance exists for one kind of borrower: an Australian business owner, investor or developer who owns property and needs funds faster, or on more flexible terms, than a bank will offer. Everything on this site is about lending secured by a mortgage — private first mortgages, second mortgages and caveat loans — and nothing else.
Who provides the loans
The loans are provided by fundU, a direct private business lender. When you enquire here, your details go to one lender that can actually fund the deal — not to a broker panel, and not to a list of companies that will all call you at once. A secured-lending specialist reads your enquiry and calls you to talk it through.
What we fund
- $20,000 to $5,000,000 for business purposes, secured on residential, commercial or industrial property — with vacant land and rural property considered case by case.
- Private first mortgages for terms of 1 to 24 months; second mortgages and caveat loans for shorter needs.
- No formal valuation required — the property is assessed directly.
- Interest can be prepaid or capitalised — often no monthly repayments during the term.
- Bad credit, ATO debt and past defaults considered case by case — equity and a clear exit matter more than a score.
Use the secured borrowing calculator to see what your property could support, or the 60-second quiz to work out which structure fits.
More about fundU
fundU is a private business lender, a division of U Collective Group Pty Ltd. Its own site at fundu.au covers the full lending range, including fast first mortgages, fast second mortgages, short-term caveat loans and secured business loans. If you'd rather start there, you can see if you qualify on fundU — it's the same lender and the same specialists.
Our promises
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.
Why this site exists
Private lending is often explained badly — or not at all. Borrowers sign Letters of Offer without understanding where they rank on the title, how interest is charged or what happens at the end of the term. These guides are written to fix that, in plain English, by people who work in secured lending every day. When you're ready, start a 60-second enquiry.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to enquire
One lender, not a mailing list
A real specialist on your file