A secured business loan uses property or business assets as security. Because the lender has a way to recover its money, secured lending usually means higher limits, longer terms and lower pricing than unsecured lending.
28 products from 9 lenders ยท Last checked 24 Sept 2026
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Products the lender publishes as secured or property-secured.
28 products from 9 lenders
Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.
Property-secured bridging finance from $150K to $7.5M for business owners who own property and have a clear exit strategy.
Loan from $30K to $7.5M secured by property equity, for businesses seeking larger cash flow or growth funding.
Commercial property loan up to $3M over up to 30 years for purchase, refinance or equity release, with traditional or flexible income options.
SMSF property loan up to $3M for commercial or residential property, for SMSFs with a corporate trustee and at least $200K in net assets.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Business bridging loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Low doc business loan from $50K to $2M over 1 to 30 years, secured by property, for businesses trading 2+ years with alternative income evidence.
Secured business loan from $50K to $2M over 1 to 30 years for cash flow, stock, property, equipment, buying a business, refinance or tax debt.
Commercial property loan up to $5M over 1 to 30 years for purchase, refinance or tax debt, with full doc and alt doc options.
SMSF loan up to $5M for buying or refinancing business real property, for established, compliant SMSFs with a corporate trustee.
Property-secured term loan from $500K to $1M over up to 5 years, for established businesses with larger growth or cash flow needs.
Commercial property loan from $100K to $10M over up to 30 years for owner-occupiers or investors, assessed on full financials.
Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.
Commercial property loan with the lightest documentation Thinktank offers, for borrowers who value speed and simplicity.
Commercial investment property loan assessed on the lease: for properties with at least a 2-year arm's length lease, over up to 25 years.
Commercial loan secured by specialised premises that many lenders avoid, such as hospitality and some other purpose-built properties.
Release equity from commercial property for business expansion, working capital, investment or property improvements.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Full Doc verification.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Mid Doc verification.
Loan to a self managed super fund to buy or refinance residential investment property, up to $5M.
Short-term private loan from 3 months to 3 years secured by commercial property, up to $7.5M, for business or investment purposes with a clear exit.
Short-term private loan from 3 months to 3 years secured by residential property, up to $7.5M, for business or investment purposes with a clear exit.
Short-term private loan for property developers secured by unsold completed residential or commercial stock.
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Security can also open doors when financials are limited or credit history is patchy, which is where specialist and private lenders come in.
The lender values the security and lends up to a maximum percentage of it. Maximum LVRs vary by property type, location and documentation.
A first mortgage is the strongest security and usually the cheapest. Second mortgages and caveats settle faster but cost more.
Short-term secured loans are priced for the term. Know how and when you will repay or refinance.
Residential or commercial property is most common. Vehicles, equipment and receivables can also secure specific products.
Many lenders accept residential property as security for business-purpose loans. The lender will value it and consider existing mortgages.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.