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Secured Term Loan
A secured business loan is a type of financing where you use an asset, normally property, as collateral.
Requesting a quote has no impact on your Credit Score.
What is a Secured Term Loan?
A secured business loan is a type of financing where you use an asset as collateral. This is typically residential or commercial property, although other valuable assets—such as equipment or inventory—may also be accepted, depending on the lender and asset value.
The collateral reduces the risk for lenders, often resulting in lower interest rates, longer terms, and higher loan amounts.
This is an attractive choice for businesses looking to fund major projects or expand operations while leveraging their existing assets to reduce repayments.
More About Secured Term Loans
Typical Uses
- Purchasing equipment or machinery
- Expanding office or retail space
- Financing large-scale projects
- Covering cash flow gaps during growth periods
- Consolidating existing debts
Common forms of collateral
Eligible assets
- Commercial property
- Residential property
- High-value machinery or equipment
- Business vehicles
- Inventory
- Accounts receivable
- Intellectual property
Common Industries
- Property development
- Franchises
- Manufacturing
- Agriculture
- Hospitality
- Construction
- Transport
Eligibility
You may be eligible for a secured term loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Typical Uses
- Purchasing equipment or machinery
- Expanding office or retail space
- Financing large-scale projects
- Covering cash flow gaps during growth periods
- Consolidating existing debts
Eligible assets
- Commercial property
- Residential property
- High-value machinery or equipment
- Business vehicles
- Inventory
- Accounts receivable
- Intellectual property
Common Industries
- Property development
- Franchises
- Manufacturing
- Agriculture
- Hospitality
- Construction
- Transport
Eligibility
You may be eligible for a secured term loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Get a Quote
Requesting a quote has no impact on your credit score.
The benefits of Secured Term Loans
Lower interest rates.
Securing your loan with an asset can mean better rates compared to unsecured alternatives.
Larger borrowing limits.
Use your asset to unlock larger loan limits—ideal for funding big purchases or growth.
Longer repayment terms.
Spread repayments over more time—for more flexibility and smaller instalments.
Builds credit history.
Repay on time to strengthen your business credit profile and improve borrowing power.
Lower interest rates.
Securing your loan with an asset can mean better rates compared to unsecured alternatives.
Larger borrowing limits.
Use your asset to unlock larger loan limits—ideal for funding big purchases or growth.
Longer repayment terms.
Spread repayments over more time—for more flexibility and smaller instalments.
Builds credit history.
Repay on time to strengthen your business credit profile and improve borrowing power.
Things To Consider Before Applying
Potential drawbacks to be aware of
- You risk losing the asset if you fall behind on repayments.
- The application process can take longer due to asset valuation and added checks.
- Only businesses with suitable assets can apply for a secured loan.
Questions to ask yourself
- Is the value of the collateral worth risking?
- Will I be able to make timely repayments?
- Do I understand the loan terms and fees fully?
- Am I planning to sell the collateral soon?
- What if I want to pay off the loan early?
At A Glance
MAXIMUM LOAN AMOUNT
$1,000,000+
MINIMUM LOAN AMOUNT
$10,000
SPEED
Slow
INTEREST RATE
From 7.00%
MAXIMUM LOAN TERM
MINIMUM LOAN TERM
Requesting a quote has no impact on your Credit Score.
Potential Lenders
How to Apply for a Secured Term Loan
STEP 1: Get a quote
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: Get approved
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 2: Get funded
Sign your finance documentation and receive funding. It is that simple.
Get a Quote
Requesting a quote has no impact on your credit score.
What Sets Us Apart
DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
You’ll need to interpret lender jargon and fine print yourself
How We Help Fuel Your Business Growth
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 20,000 Australian SMEs across every industry access $2.5+ billion in funding—supporting them through challenges and unlocking new opportunities.
Learn more About Secured Term Loans
FAQ's
What’s the difference between a secured and unsecured business loan?
What assets can I use as collateral for a secured business loan?
How do I apply for a secured business loan?
How much can I borrow on a secured loan?
What is a secured term loan?
What are the interest rates for secured loans?
What happens if I default on a secured loan?
Hear From Our Clients
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