Secured Term Loan

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Secured Term Loan

Use property or assets as security to unlock larger funding at lower cost — with interest-only options and terms built for long-term growth.

🎯 Best for when: You’ve got equity and want bigger money at a sharper rate.

$10k–$1M+

Loan amount

3–5 days

Settlement after approval

Lower

Interest rates

🔒 Soft check only — won’t affect your credit score · ~2 minute application

What is a secured term loan?

A loan backed by property or business assets. Because the lender holds security, you unlock higher limits, sharper rates and longer terms than unsecured options — with simple documentation and settlement typically within 3–5 business days of approval.

Got equity, want bigger money

Use property or assets to unlock larger funding at sharper rates.

Want a lower rate

Interest-only options and longer terms built for growth.

Long-term plans

Terms structured around your strategy, not a template.

Who it's for

Fund major projects and expansions
Refinance existing loans on better terms
Bridge between funding needs
Start-ups with equity but limited trading history
Lower ongoing repayments on long-term investments

Ready when you are

Apply in ~2 minutes. First offer within 24 hours. Funding in as little as 1–2 business days.

Soft check only · no hidden fees · declined elsewhere? Still apply.

Typical uses

New equipment &
machinery

Buy the gear that lifts your capacity.

Bigger office, retail or warehouse space

Fund a fit-out or a move to bigger premises.

Large-scale expansion projects

Capital for the big step-change moves.

Cash flow gaps during growth

Bridge the squeeze that comes with scaling fast.

Debt consolidation

Roll high-interest debts into one simpler payment.

Explore other products

Unsecured Business Loan

Fast, flexible funding with no asset security. Based on your trading performance — not property.

Up to $1M

Business Car Loan

Chattel mortgage — own your business vehicle from day one, with potential tax advantages.

Flexible

Line of Credit

Up to $1M on demand. Draw what you need — only pay interest on what you use.

Up to $1M

Invoice Finance

Unlock 80–90% of unpaid invoices within 24 hours. Keep cash flowing without the wait.

80–90% of invoices

Trade Finance

Spread the cost of bulk stock over 2–9 months. Unlock supplier discounts.

2–9 month terms

Asset & Equipment Finance

Machinery, tools and tech — own the gear that drives your business from day one.

Flexible

Construction &
Development

Staged drawdowns matched to your build — from small builds to major developments.