BUSINESS LOANS SECURED AGAINST PROPERTY

Secured business loans are backed by property, giving borrowers access to funding using the available equity in residential, commercial or retail property, vacant land or future development sites.

Using property as security can support higher loan amounts, a commercially focused assessment and more competitive pricing compared to unsecured finance. It also allows us to focus on the available equity, loan purpose and exit strategy rather than relying solely on cash flow or extensive financial records.

You can also explore our broader range of business loans to see how property-backed funding may support your commercial objectives.

CUSTOMISED FUNDING SOLUTIONS

Our secured lending model is designed for businesses that need practical funding without lengthy bank processes. Finance may be used for property settlement, bridging, working capital, ATO debt, loan arrears, debt consolidation or other commercial purposes.

We also consider second mortgage positions where an existing first mortgage is already in place. This gives borrowers greater flexibility when existing finance is already secured against the property.

For time-sensitive transactions, immediate secured business loans can provide funding in as little as 48 hours subject to all documentation being provided.

Pronto Funds

LOAN SPECIFICATIONS

Loan Feature

Details

Loan Amount

$200,000 to $10 million

Loan Term

1 to 12 months

Maximum LVR

Up to 85%

Security

Residential, commercial or other eligible real estate

Loan Position

First or second mortgage

Indicative Decision

Within 24 hours

Settlement

Ability to settle within 48 hours

Rates

From 1.2% per month

HOW OUR BUSINESS LOANS WORK

We assess each application based on the loan purpose, available security, requested amount and proposed exit strategy. As a direct lender using our own capital, we can make decisions quickly, communicate clearly and provide funding solutions aligned with your business requirements.

DIRECT LENDING. CLEAR DECISIONS.

We lend our own capital, allowing you to deal directly with the team assessing and funding your transaction. Our approach is straightforward, commercially focused and backed by clear communication from application through to settlement.

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f.a.q.

Frequently Asking Questions

What is a secured business loan, and how does it work?
A secured business loan uses an asset, usually real estate, as security for the finance. Our secured business lending is assessed based on the property equity, loan purpose, amount required and proposed exit strategy.
How fast can I get a secured business loan approved?
We can provide an indicative decision within 24 hours and settle approved fast secured business loans within 48 hours, subject to all documentation being provided.
Are secured business loans available to self-employed borrowers?
Yes, in suitable circumstances. We assess secured business loans for self-employed borrowers based on the available security and overall transaction rather than relying solely on extensive financial records or a lengthy trading history.
How much can I borrow?
We offer business loans secured against real estate from $200,000 to $10 million. The amount available will depend on the property value, available equity, loan purpose and proposed repayment strategy.