Secured Business Loans

Leverage your business assets to access higher loan amounts, longer terms, and lower interest rates — all tailored to help your Sydney business grow with confidence.

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Secured Business Loans

What Is a Secured Business Loan?

A secured business loan is a type of finance backed by an asset, giving lenders added confidence and allowing you to access better rates and higher borrowing limits. The collateral can be:

  • Commercial or residential property
  • Business vehicles
  • Equipment or machinery
  • Other valuable business assets

Because the loan is secured, lenders typically offer more favourable terms, making it an ideal option for businesses looking for affordable, stable funding.

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Why Choose a Secured Business Loan?

Secured business loans are popular with SMEs and growing businesses across Sydney because they can:

  • Access larger amounts of funding – ideal for significant investments or expansion projects
  • Offer lower interest rates – because the loan is backed by collateral
  • Provide flexible repayment terms – structured to match your business cash flow
  • Support a wide range of needs – from equipment purchases to property renovations and working capital
  • Improve your chance of approval – especially for businesses with limited trading history

How Can You Use a Secured Business Loan?

Common uses include:

  • Expanding or renovating your business premises
  • Purchasing new stock or inventory
  • Upgrading vehicles, equipment, or technology
  • Managing seasonal cash flow
  • Hiring staff or launching marketing campaigns
    -Consolidating existing business debt
  • Seizing growth opportunities quickly
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Frequently Asked Questions

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Do I need to use my home as collateral?

Not always. Many lenders accept commercial property, vehicles, or business equipment as security.


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How much can I borrow with a secured loan?

Loan amounts vary, but secured loans typically allow for larger borrowing limits than unsecured loans, often ranging from $50,000 to several million dollars.


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Are interest rates lower for secured loans?

Yes — because the loan is backed by collateral, lenders generally offer more competitive interest rates and longer terms.


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Can start-ups apply for secured business loans?

Yes. Offering security can make it easier for new businesses to access finance, even with limited trading history.


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How long does approval take?

Approval times vary by lender, but secured loans typically settle within 1–2 weeks, depending on the complexity of the application.


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Unlock the Capital You Need to Grow with Confidence

Secured business loans provide the financial foundation your business needs to expand, invest, or manage cash flow with peace of mind. By leveraging your assets, you can access competitive interest rates and larger loan amounts tailored to your goals. Contact us today to explore your secured business loan options and take the next confident step towards growing your business.