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The Business Loan Store

Non-Cashflow / Asset-Backed Finance

Compare non-cashflow and asset-backed finance

Lending assessed on property or asset security rather than trading figures.

Products
26
Lenders
6
Last checked
26 Sept 2026
Compare 26 products
Farmer leaning on a fence beside his cattle on a sunny day

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Who it may suit

Examples only. Lender criteria and your circumstances determine available options.

  • Limited or out-of-date financials
  • Past credit issues
  • Urgent settlements and short deadlines
  • Bridging until longer-term finance is in place

Lenders in this category

6 lenders with listed non-cashflow / asset-backed finance products, shown alphabetically.

View all 6 lenders
  • Aquamore logo
  • Bizcap logo
  • HomeSec Business Finance logo
  • Secured Lending logo
  • Semper logo
  • Thinktank logo

Compare non-cashflow / asset-backed finance products

Explore 26 products from 6 lenders, then filter and compare the details.

26 products from 6 lenders

Non-Cashflow / Asset-Backed Finance listings

Private lenderVia broker

Aquamore Bridging Loan

Short-term property-secured bridging loan of $300K to $7.5M through brokers, to buy property before selling or to help business cash flow.

Amount
$300K to $7.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Aquamore Bridging Loan
Private lenderVia broker

Aquamore Commercial Business Loan

Short-term, property-secured commercial business loan through brokers for growth, working capital, equipment, stock or debt consolidation, over 3 to 24 months.

Amount
Not published
Term
3 mths to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 6% p.a.
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Aquamore Commercial Business Loan
Private lenderVia broker

Aquamore Secured Business Loan

Property-secured business loan of $300K to $7.5M through brokers, to invest in equipment or staff or free up capital held in assets.

Amount
$300K to $7.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 26 Sept 2026
Details for Aquamore Secured Business Loan
Private lenderVia broker

Aquamore Short-Term Commercial Loan

Short-term commercial loan of up to $7.5M through approved brokers, secured by a first or second mortgage, for terms up to 24 months.

Amount
Up to $7.5M
Term
Up to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 6% p.a.
Max LVR
Up to 75%
Trading
Not published
Source dated 26 Sept 2026
Details for Aquamore Short-Term Commercial Loan
Non-bank business lender

Bizcap Secured Business Loan

Loan from $30K to $7.5M secured by property equity, for businesses seeking larger cash flow or growth funding.

Amount
$30K to $7.5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Repayments
Daily, Weekly
Trading
5+ months trading
Source dated 23 Sept 2026
Details for Bizcap Secured Business Loan
Private lender

HomeSec Business Finance Business Bridging Loan

Business bridging loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance Business Bridging Loan
Private lender

HomeSec Business Finance Caveat Loan for Business

Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance Caveat Loan for Business
Private lender

HomeSec Business Finance First Mortgage Business Loan

First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance First Mortgage Business Loan
Private lender

HomeSec Business Finance Second Mortgage Business Loan

Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for HomeSec Business Finance Second Mortgage Business Loan
Private lender

Secured Lending ATO Tax Debt Loan

Private first or second mortgage loan of $250K to $10M to clear ATO tax debt, including PAYG and super, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending ATO Tax Debt Loan
Private lender

Secured Lending Bridging Loan

Short-term commercial bridging loan of $250K to $10M secured by a first or second mortgage, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Bridging Loan
Private lender

Secured Lending Caveat Loan

Short-term business loan of $250K to $10M secured by a caveat over residential or commercial property, leaving your first mortgage in place, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Caveat Loan
Private lender

Secured Lending First Mortgage Loan

Short-term private business loan of $250K to $10M secured by a first registered mortgage, for terms of 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 9.7% p.a.
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending First Mortgage Loan
Private lender

Secured Lending Second Mortgage Loan

Short-term business loan of $250K to $10M secured by a second mortgage behind your existing first mortgage, for 1 to 24 months.

Amount
$250K to $10M
Term
1 mth to 2 yrs
Security
Property-secured
Rates and other criteria
Rate
From 11.95% p.a. fixed
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Second Mortgage Loan
Private lender

Secured Lending Secured Business Line of Credit

Revolving business line of credit secured by a second mortgage over property, letting you draw, repay and redraw within the term.

Amount
Not published
Term
Not published
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 70%
Trading
Not published
Source dated 26 Sept 2026
Details for Secured Lending Secured Business Line of Credit
Private lender

Semper Bridging Loan

Property-secured bridging loan of $500K or more for businesses, as a first or second mortgage, repaid from a sale or refinance, for up to 12 months.

Amount
From $500K
Term
Up to 1 yr
Security
Property-secured
Rates and other criteria
Rate
From 8.50% p.a.
Repayments
Monthly
Trading
Not published
Source dated 26 Sept 2026
Details for Semper Bridging Loan
Private lender

Semper Commercial Term Loan

Short-term commercial loan of $500K or more for businesses, secured by a first or second mortgage over real property, with terms of 3 months or more.

Amount
From $500K
Term
From 3 mths
Security
Property-secured
Rates and other criteria
Rate
From 8.50% p.a.
Repayments
Monthly
Trading
Not published
Source dated 26 Sept 2026
Details for Semper Commercial Term Loan
Property-backed non-bankVia broker

Thinktank Commercial Mid Doc Loan

Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Mid Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Quick Doc Loan

Commercial property loan with the lightest documentation Thinktank offers, for borrowers who value speed and simplicity.

Amount
From $100K
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Quick Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Lease Doc Loan

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.

Amount
From $100K
Term
Up to 25 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Lease Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Property Cash Out

Release equity from commercial property for business expansion, working capital, investment or property improvements.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Commercial Property Cash Out
Property-backed non-bankVia broker

Thinktank Residential Full Doc Loan

Loan secured by residential property from $100K to $5M, including cash out for business use, with Full Doc verification.

Amount
$100K to $5M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Residential Full Doc Loan
Property-backed non-bankVia broker

Thinktank Residential Mid Doc Loan

Loan secured by residential property from $100K to $5M, including cash out for business use, with Mid Doc verification.

Amount
$100K to $5M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Residential Mid Doc Loan
Property-backed non-bankVia broker

Thinktank SMSF Residential Property Loan

Loan to a self managed super fund to buy or refinance residential investment property, up to $5M.

Amount
$100K to $5M
Term
Up to 30 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank SMSF Residential Property Loan
Property-backed non-bankVia broker

Thinktank Private Residential Loan

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.

Amount
$100K to $7.5M
Term
3 mths to 3 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Up to 75%
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Private Residential Loan
Property-backed non-bankVia broker

Thinktank Residual Stock Loan

Short-term private loan for property developers secured by unsold completed residential or commercial stock.

Amount
Not published
Term
Up to 3 yrs
Security
Property-secured
Rates and other criteria
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
Source dated 24 Sept 2026
Details for Thinktank Residual Stock Loan

Want us to do the searching?

Tell us about your business. A business finance specialist can help you narrow down your options, saving you time and helping you avoid unnecessary applications.

Get matched

Getting matched does not involve a credit enquiry

Key information

How non-cashflow / asset-backed finance works

Not every business can show two years of clean financials. Non-cashflow finance, also called asset-backed or security-based lending, is assessed mainly on the value of the security offered, usually property, rather than on trading figures.

This is where the difference between getting a rate and getting funded is clearest. A business with strong equity but patchy paperwork can often be funded quickly by a lender that focuses on the security and a clear exit strategy.

The lender values the security and lends up to an agreed LVR, often through a first mortgage, second mortgage or caveat. Terms are usually shorter and the lender will want to understand how the loan will be repaid, such as refinance, sale or incoming funds.

What lenders look at

  • Property value and existing debt
  • Exit strategy
  • Purpose of funds

Things to watch

  • Short-term private lending costs more than bank finance. Have a clear, realistic exit.
  • Check establishment, legal and valuation fees.

Non-Cashflow / Asset-Backed Finance: common questions

Can I get a business loan without financials?

Yes, some lenders will lend against property security without full financials. Expect lower maximum LVRs and a focus on how the loan will be repaid.

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