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Loan purposes

Secured loans by purpose

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.

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Supplier payments

Supplier put you on stop or cash on delivery? Clear the overdue account with a short caveat or second mortgage loan secured on property, from $20k.

Stock and inventory

Fund a seasonal stock build or a bulk-buy discount with a short loan secured on property, not on the stock. $20k to $5m, interest can be capitalised.

Imports and customs duty

Container at the wharf with duty, GST and freight due before release? A short loan secured on property can clear it. From $20k, no formal valuation required.

Equipment and machinery

Used, specialised or auction machinery a financier won't touch? Buy it with a short loan secured on property, then refinance or repay. $20k to $5m.

Balloon payments

Truck, machine or vehicle balloon due and the refinance isn't ready? Pay it out with a short loan secured on property, then sell or refinance. From $20k.

Vendor finance payouts

Vendor finance balance due, or the seller offering a discount to be paid early? Clear it with a short loan secured on property and take full control.

Business debt consolidation

ATO, overdraft, cards and online loans all pulling cash? Roll them into one short loan secured on property, then refinance to a bank. $20k to $5m.

Refinance online loans

Daily debits from online loans or cash advances strangling your takings? Swap them for one property-secured loan with no monthly repayments possible.

Late-paying customers

A major customer at 60 or 90 days and wages, GST and suppliers due now? Bridge the gap with a short property-secured loan. $20k–$250k possible same day.

Waiting on a tax refund

R&D tax offset, GST refund or BAS refund on its way but cash needed now? Bridge it with a short loan secured on property, repaid when the ATO pays.

Insurance claim gap

Fire, flood or storm damage and the insurer still assessing? Reopen and repair now with a short loan secured on property, repaid when the claim pays out.

Bank guarantees and bonds

New lease or contract needs a bank guarantee or cash bond, and your bank wants the cash locked up? Fund the security against property. $20k to $5m.

Fit-outs and new premises

Fitting out a shop, clinic, café or second site? Lenders rarely take a fit-out as security, but your property can fund it. $20k to $5m, interest capitalised.

Buy your business premises

Landlord offering to sell the building you trade from, with a deadline? Buy it with a private first mortgage now and refinance to a bank later. Up to $5m.

Freehold going concerns

Buying a motel, pub or childcare centre with its freehold? Bridge the settlement with property-secured private finance while licences transfer. To $5m.

Management buyouts

Managers or the next generation buying out a retiring owner? Fund the cash at handover with a private loan secured on property, from $20k to $5m.

Insolvency asset purchases

Buying plant, stock, a business or property from a receiver or liquidator? Fund the tender deposit and balance against property you own, fast.

Judgment debts

A court judgment or settlement deed with a payment date? Pay it on time with a private loan secured on property, before enforcement steps begin.

Off-market purchases

Vendor wants a fast, unconditional exchange on an off-market deal? Fund the deposit and settlement against property you own, from $20k to $5m.

Mortgagee sale purchases

Buying from a mortgagee in possession or a receiver? As-is terms, firm deadlines. Fund the purchase against property, with no formal valuation required.

Property deposits

Deposit due at exchange but your equity is tied up in another property? Fund it with a short caveat loan or second mortgage, $20k–$250k possible same day.

Warehouse purchases

Buying a warehouse or factory before someone else does? A private first mortgage can settle on the contract date, with GST and duty built in. $20k–$5m.

Co-owner buyouts

A co-owner wants out of a jointly held rental or commercial building? Fund their share and refinance the joint loan with a private first mortgage.

Start-up businesses

No trading history, so the bank says no? A loan secured on property you own can fund a start-up's set-up costs, if the exit is clear. $20k to $5m.

Capital raise bridge

Equity round still weeks away but payroll and suppliers can't wait? Bridge the gap with a short loan secured on property, repaid when the raise lands.

Land tax bills

Large land tax assessment, missed instalment or arrears blocking a sale or refinance? Pay it with a short loan secured on property. State options compared.

Developer contributions

s7.11 or HPC before your certificate, an ICP levy before statement of compliance, or a Qld infrastructure charge due? Fund it against completed property.

Joint venture contributions

Your JV partner has issued a cash call and your money is tied up in property? Fund your contribution against completed property you own. $20k to $5m.

Construction cost overruns

Build over budget and the construction lender won't draw until you fund the gap? Close it with a loan secured on other completed property. No progress draws.

Working capital

Cash tied up in debtors, stock or a growth phase? Secure working capital on property for a defined period, with interest prepaid or capitalised.

See what your business could qualify for

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