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Secured Business Loans – versatile, cost-effective solutions

Secured forms of funding are the most widely used and versatile credit products in both the consumer and commercial lending markets. These products can be used for the acquisition of a wide range of goods, assets and purposes where collateral is available as security against the funds.

The funds may be used to purchase the assets which form the security. Where those assets are not considered suitable by the lender, other assets may be used as collateral or security for the funds. With many lending applications, no additional security or collateral against the funds is required.

Business Finance Secured Business Loans – versatile, cost-effective solutions
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Fast Comparison - Secured Commercial Loan Rates

As a popular financing option, secured lending presents a workable choice for many enterprises, especially with our competitive rates.

Loan Amount Loan Term
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

30 September

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 30/09/2023 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.


This versatile format allows operators to free-up existing assets and enables smaller enterprises and ABN holders the opportunity to acquire necessary assets such as equipment, without the impediments of having to find extensive security. With the lender accepting the security, this form of financing can be extremely cost-effective, attracting some of the most competitive and lowest rates in commercial lending.

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Categories of Secured Business Funding

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Types of Secured Commercial Financing

Secured lending is available in a number of formats and specific products. The choice of product and security, will depend on both individual choices by the operator and lender guidelines.

  • Secured Against Assets being Acquired: Funding can be secured against the goods/assets being acquired with Chattel Mortgage and Commercial Hire Purchase. Assets suited to this format include motor vehicles, cars and plant, machinery and equipment.
  • Secured Against Existing Assets: Where the funding is provided for cash flow support and other non-asset acquiring purposes, existing debt-free assets may be offered as security by the company. Sole traders and ABN holders may offer personally-owned assets as security.
  • Secured Against an Enterprise: When applying for funds to acquire a new concern, the establishment or venture being acquired may form the security against the funds. This may be a workable option with a Commercial Purchase Loan. Alternatively, an existing enterprise may be used as security for the purchase of another enterprise.
  • Secured Against Property: Applicants may also consider using property as security against funds. This may involve the lender taking a mortgage over the property.

While it may sound confusing to some, our highly-qualified consultants know secured funding products extremely well and will discuss all the options with you and assist in deciding which presents the most workable solution for your operation.

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Get Quick Estimates with Secured Commercial Financing Calculator

Utilise our online financing calculator to quickly obtain estimated repayments, helping with planning and budgeting decisions. Adjust the amount and term to arrive at an indication of how you’d like your secured funding structured, then brief our consultants accordingly.

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How to Obtain Workable Solutions for Secured Commercial Finance

With a large number of banks and non-bank organisations offering secured commercial funding, it can be a confusing process for operators to source the best option for their set-up. As experienced commercial funding brokers, we assist by handling the entire process on behalf of operators, while all final decisions are completely yours.

Our consultants understand company financials and we are across current taxation rulings in regard to commercial funding. We source not only the cheapest products but take into great detail the cash flow, balance sheet, projections and tax approach of the operation in developing the most workable solution.

  • Fast Access to more than 80+ lenders and banks.
  • Get cheapest interest rates sourced for you.
  • Solutions structured and presented for your decision.
  • No deposit secured commercial loans available.
  • Workable, cost-effective solutions sourced to work with your cash flow, financials and projected trading figures.

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Fast Approvals for Secured Loan for Enterprise – Apply Now!

Operators may be on a critical timeframe to secure essential assets such as equipment and vehicles. We assist operators meet deadlines with fast application approvals with many receiving 24 hour approval for the funds.

Quick Approvals for Business Secured Loans

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FAQs
Secured Financing

Yes. Sole traders can apply for secured commercial funding with all applications subject to lender approval. In some instances, sole traders may provide personal assets as security where suitable assets owned by the operation are not available or accepted.

Secured commercial funding can be used to acquire a wide range of goods and property. These include cars and motor vehicles, plant, machinery and equipment and property. The goods would need to be eligible under ATO rulings for commercial assets. The property may be an ongoing venture or physical property such as buildings, offices, premises and others.

Chattel Mortgage and Commercial Hire Purchase are considered secured funding products. The goods being purchased are accepted by the lender as security against the funds. A Secured Commercial Loan product is also available for non-asset purpose. With this product the security may be assets or property which are not the subject of the financing.

Collateral for secured funding may take the form of goods/assets or property. The collateral may be the goods which are being secured or other goods owned by the operation or the owner. Physical real estate and built-assets property may be used as collateral. All collateral is subject to lender approval.

Yes. Buying an enterprise is a recognised purpose for secured funding. The enterprise being acquired may form the security against the funds. The operation being acquired may be the enterprise only or the enterprise and the premises in which the enterprise trades.

Interest rates offered on secured funding will vary depending on:- assessment of the credit profile and financials of the applying operation; the amount being requested; the condition of the goods being acquired (new or used); and in some cases with equipment, the industry sector. Credit providers will typically advertised their best rates for new goods and for applicants with a good credit rating and full documentation. These rates should be used as a guide only.

All security or guarantees offered for secured funding are subject to lender approval. In the case of ABN holders, as small operators, it can be common practice for the personal financial position of the operator to form part of the application. ABN holders may offer personal assets which are unencumbered, as security.

No deposit funding is available for secured financing, subject to approval. The approval may take into consideration:- the condition of the goods in reference to the total amount requested without a deposit; the ability of the operator to furnish the full purchase price in a secured credit product; and other factors.

Many providers of secured commercial funding to provide online application processes. Many will offer complete online or remote processing of applications so no interviews at branches or offices are required. Applications can be submitted by online forms and would then be assessed by the credit officer or broker for that organisation. Interest rates are determined by individual application assessment so completely automated application and approval processes are less widely available.

To apply for secured commercial funding, operators will be required to submit:- ABN, ID, financials for the operation which may include tax returns, annual accounts, bank statements and similar. Details of the goods or purpose for the funding is required. The amount required for the funding will be required. Where all the documentation is not available, operators may seek the assistance of a broker to source low doc options.

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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific