Business loans secured by property
Private first and second mortgages, caveat loans, bridging and equity release for business purposes, when the bank is too slow or has already said no.
- Decisions based mainly on the property and your exit plan.
- Can work with ATO debt and past credit issues.
- Often settles in two to four weeks. Caveat loans can be faster.
- One broker team works your enquiry
- A call within minutes in business hours
- Business-purpose finance from $20,000
- Bank, non-bank and private lenders
Use your property to fund the business
- Private first mortgages
- Second mortgages
- Caveat loans
- Bridging finance
- Equity release for a business purpose
- Refinancing business or ATO debt against property
What lenders usually look at
- Equity in residential, commercial or vacant land
- A genuine business purpose for the funds
- An exit plan: how the loan will be repaid or refinanced
- Credit history, which matters less here than with a bank
Every lender has its own rules. Your broker will tell you which lenders are likely to suit before anything is lodged.
From enquiry to funding in three steps
The quiz takes about a minute. After that, a specialist broker does the legwork with the lenders.
Tell us what you need
Answer a few questions about the funding, your business and any property. No documents and no credit check at this stage.
A broker calls you
A specialist commercial finance broker calls you, usually within minutes in business hours, to understand the deal properly.
They find the lender
Your broker matches you with suitable bank, non-bank or private lenders, explains the costs and handles the application through to settlement.
Property-backed loans: common questions
Why do private loans cost more?
Private lenders take on deals the banks won't, so rates and fees are higher and terms are shorter, usually 3 to 24 months. They work best as a bridge to a sale, a refinance or a clear payout date.
Can I get a private loan with bad credit?
Private lenders focus mainly on the property and the exit plan. Credit history still matters, and your broker will talk it through with you.
How quickly can it settle?
Often within two to four weeks, depending on valuation and legal work. Caveat loans can sometimes settle faster.
Can I borrow against my home for the business?
Yes, if the funds are for a business purpose. Lenders and brokers will ask you to confirm the purpose in writing.
More ways to fund the business
Cash flow finance
Unsecured loans, lines of credit and invoice finance for wages, stock and bigger jobs.
Find out moreATO debt funding
Pay a tax debt in full and swap daily-compounding ATO interest for a loan you can plan around.
Find out moreEquipment and vehicle finance
Machinery, trucks, vans, utes, fit-outs and technology, new or used.
Find out moreCommercial property finance
Buy, refinance or release equity from offices, warehouses, shops and industrial property.
Find out more