Lending on property
Secured business loans: borrowing against property
Property changes the conversation. With residential or commercial real estate behind the loan, the amount, the speed and the credit history that's acceptable all shift in your favour.
Every page in secured loans
9 plain-English explainers written from the lender's side of the desk. Start with the one closest to your situation.
First mortgage business loans
How a first mortgage business loan works: using property you own outright or refinancing the current mortgage, LVR limits, terms and lender checks.
Read the explainer →Second mortgage business loans
How second mortgage business loans work: borrowing against equity without touching your home loan, total LVR, first lender consent, terms and exits.
Read the explainer →Caveat loans
How caveat loans work for Australian businesses: what a caveat is, why they're fast, typical terms, costs, exit plans and when a second mortgage is better.
Read the explainer →Bridging finance
Business bridging finance explained: covering the gap between buying and selling, or between a cost and a known payment, with exit plans and costs.
Read the explainer →Your home as security
Thinking of using your home to secure a business loan? How it works, what lenders check, what co-owners sign, the real risks and how to protect your family.
Read the explainer →Commercial property loans
Using commercial property to secure a business loan: offices, shops, warehouses and factories, LVR ceilings, valuations, leases and lender checks.
Read the explainer →Equity release
How equity release works for Australian companies: usable equity, how lenders calculate it, which properties count, common uses and the questions to ask first.
Read the explainer →Private lending
What private business lending is, how private lenders assess a deal, typical security and terms, the costs to compare and when a private loan is the right tool.
Read the explainer →Exit strategies
Why lenders ask for an exit strategy on short-term business loans, the common exits, how to make yours credible and what to do if the timeline starts slipping.
Read the explainer →Run the numbers first
Free calculators that show your company's position before you talk to anyone. No sign-up, no rates, nothing stored.
Company borrowing power calculator
Estimate what your company could borrow on cash flow and on property, side by side.
Open the calculator →Business loan repayment planner
Turn a quoted total cost into daily, weekly or monthly repayments and test them against your cash flow.
Open the calculator →Property equity and LVR calculator
Work out usable equity and loan-to-value ratio for a first or second mortgage or caveat loan.
Open the calculator →Keep exploring
Lending on turnover
Cash flow loans
Cash flow loans for Australian companies explained: unsecured business loans, lines of credit, invoice finance and short-term working capital, sized on turnover.
Open the hub →Inside the assessment
How lenders decide
What business lenders actually check: bank statements, serviceability, LVR, exit strategy, ATO debt, credit files, guarantees and valuations, explained by a lender.
Open the hub →Who we fund
Industries
Business loans by industry for Australian companies: trades, construction, hospitality, retail, transport, healthcare, professional services and online stores.
Open the hub →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 ask
Your file stays with us
Lender's-eye honesty