Compare Secured Business Loans from 50+ Australian Lenders
Use property, vehicles or equipment as collateral to access higher loan amounts, longer terms and lower rates.
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Secured Business Loans Made Simple
Leverage your business or personal assets to unlock larger funding amounts and sharper pricing. Perfect for Australian SMEs seeking stability and growth.
Borrow More
Typical amounts from $10,000 to $5,000,000+
Longer Terms
From 1 year up to 10 years+
Lower Rates
Rates from 6.95% p.a. depending on security
Higher Approval Odds
Collateral reduces lender risk and boosts approvals
Flexible Use
Growth, acquisitions, property, equipment, or cash flow
Tailored Facilities
Options include term loans, mortgages and asset-backed lending
How it works
We connect you with secured loan providers who accept property, vehicles or equipment as collateral for larger, lower-cost funding.
Apply online
Tell us about your business, collateral and funding needs in a simple application.
Get matched
Our Lender Match technology connects you with secured loan options from over 50 providers.
Provide documentation
Submit bank statements, financials and details of the asset(s) you’re offering as security.
Approval & settlement
Once approved, funds are released—often faster than traditional bank processes.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to secured business loans
Secured business loans are backed by collateral such as property, vehicles or equipment. Because the lender has recourse to seize the asset if repayments aren’t met, they carry less risk—which usually means lower interest rates, higher borrowing limits and longer terms.
These loans are ideal for established Australian businesses with valuable assets and significant funding needs. While approval can take slightly longer due to asset valuation, the trade-off is more affordable pricing and stronger borrowing power.
Secured loans can support growth, acquisitions, property purchases, refinancing or restructuring, and are a common tool for businesses planning significant investment or expansion.
Want to skip ahead?
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Types of secured business loans
Different lenders accept different asset types as collateral:
Secured Fixed Term Loan
A business loan secured against assets with a fixed interest rate and predetermined repayment schedule. Provides certainty and competitive rates for business growth and expansion.
Pros
- Fixed interest rate provides payment certainty
- Lower rates due to asset security
- Predictable budgeting with set repayment schedule
- Tax deductible interest payments
Cons
- Asset required as security - risk of loss
- Less flexibility than variable rate loans
- Early repayment fees may apply
- Comprehensive asset insurance required
Best For
Established businesses with valuable assets seeking predictable repayments for expansion, equipment purchases, or working capital needs.
Business Overdraft
A flexible credit facility that allows your business to withdraw more money than available in your account, up to an agreed limit. Perfect for managing cash flow fluctuations.
Pros
- Flexible access to funds when needed
- Only pay interest on amount used
- Helps manage seasonal cash flow variations
- Can be renewed annually
Cons
- Variable interest rates can increase costs
- Can be recalled by the lender
- May require personal guarantees
- Fees for exceeding agreed limits
Best For
Businesses with fluctuating cash flow, seasonal operations, or those needing flexible access to working capital for day-to-day operations.
Chattel Mortgage
A secured loan where you own the asset from day one while the lender holds a mortgage over it as security. Perfect for business equipment, vehicles, and machinery purchases.
Pros
- Immediate ownership of the asset
- Tax benefits - claim GST credits and depreciation
- Flexible repayment terms available
- Lower interest rates due to security
Cons
- Asset serves as security - risk of repossession
- Comprehensive insurance typically required
- Ongoing maintenance responsibilities
Best For
Established businesses looking to purchase equipment, vehicles, or machinery with immediate ownership and maximum tax benefits.
What can I use a secured business loan for?
Secured loans unlock large-scale funding for many purposes:
Business Expansion
Fund new locations, larger premises, or additional production lines with confidence. Collateral-backed finance can support fit-outs, upfront lease costs, working capital for the ramp-up period, and launch marketing—so you scale capacity, meet demand, and capture growth opportunities without straining day-to-day cash flow.
Equipment & Vehicles
Purchase or upgrade machinery, vehicles, yellow goods, or specialty tools using the asset as security. Spread costs over the equipment’s useful life, preserve cash reserves, and improve productivity. Structured correctly, repayments align with revenue generated by the asset, supporting predictable budgeting and stronger ROI.
Commercial Property
Acquire, refinance, or renovate offices, warehouses, and retail spaces. Property-backed loans typically offer sharper pricing and longer terms, enabling sustainable repayments. Use funding for deposits, stamp duty, construction, or fit-outs—building equity while tailoring premises to operations and long-term growth plans.
Working Capital
Smooth cash flow during busy or seasonal periods. A secured facility can cover payroll, supplier invoices, utilities, and inventory without relying on expensive short-term credit. Lower interest and longer terms reduce pressure, helping you maintain reliable operations and negotiate better terms with key suppliers.
Business Acquisition
Buy another business, brand, or client book using property or equipment as security. Funding can cover purchase price, transition costs, integration, and initial working capital. With the right structure, you preserve liquidity, capture synergies faster, and grow market share while maintaining manageable, predictable repayments.
Debt Consolidation
Combine multiple higher-cost facilities into one secured loan with clearer terms and potentially lower interest. Simplify repayments, improve cash-flow visibility, and reduce administrative overhead. Consolidation can also extend tenor, easing monthly commitments while giving room to invest in growth or stabilise operations.
Restructuring
Reorganise operations, refinance existing obligations, or reset your capital structure. A secured facility can provide runway to execute efficiency programs, renegotiate supplier arrangements, and invest in systems—supporting profitability improvements while maintaining service levels and protecting relationships with customers and staff.
Inventory Expansion
Purchase bulk stock ahead of peak seasons or to secure early-payment discounts. Lower secured rates help reduce landed cost per unit, improving margins. With adequate working capital, you can hold optimal inventory levels, shorten lead times, and meet demand surges without missed sales or backorders.
Technology Upgrades
Invest in core systems—ERP, POS, cybersecurity, networking—or major software and hardware refreshes. Spreading costs via a secured facility preserves cash while lifting reliability, data visibility, and productivity. Improved infrastructure underpins better customer experience, smarter decisions, and long-term competitiveness.
R&D Investment
Fund research, prototyping, certifications, and pilot production. Secured finance can underwrite multi-stage development timelines, allowing you to validate concepts, meet compliance requirements, and position products for commercial launch—without compromising day-to-day liquidity or delaying other critical business priorities.
Case Study
Arun Patel, Precision Metals Pty Ltd
Expanding with a Secured Loan
Industry: Manufacturing
Challenge: Strong demand but limited capital to purchase new machinery.
Solution: A 5-year secured loan using equipment and property as collateral.
Arun runs a small manufacturing plant supplying parts to construction companies. Orders were climbing but production bottlenecks meant lost opportunities. By securing a $750,000 facility against his factory and equipment, he purchased new machinery and expanded capacity. The investment paid off within 18 months, doubling output and boosting revenue, all with manageable repayments at a lower rate than an unsecured loan.
How much can I borrow with a secured business loan?
In Australia, secured business loans typically start from $10,000 and can extend into the millions. The amount depends on the value of the collateral and the lender’s loan-to-value ratio (LVR), often 70%–80% of the appraised asset value. For example, a $500,000 property at 75% LVR could secure a $375,000 loan.
Beyond collateral, lenders assess cash flow, credit history and trading history to determine affordability. Larger, longer-term loans are more achievable when backed by strong financials and a solid business plan.
Secured Business Loan Repayment Calculator
Estimate repayments and total cost. Adjust the amount, term and interest rate to plan cash flow before you apply.
Balance over time
Am I eligible for a secured business loan?
Eligibility is stronger than for unsecured loans thanks to collateral, but lenders still assess serviceability and credit history. The quality, type and value of the security offered are key factors.
You may be eligible if you are:
An Australian business with eligible collateral (property, vehicles, equipment)
Over 18 years old
Trading for at least 6–12 months
Able to demonstrate steady turnover and repayment capacity
Willing to register security on the asset
How to apply for a secured business loan?
Apply online with details of your business and the asset you’re offering as collateral. We’ll match you with multiple lenders and guide you through valuations, documentation and settlement. Larger facilities may require more detailed financials, but approvals can still be achieved quickly.
Documents you may need:
ABN and GST details
Photo ID (driver’s licence or passport)
Business bank statements and financials
Collateral details and valuation reports
Tax returns and BAS for larger amounts
How to save money on a secured business loan
The main savings come from using high-quality collateral—property and real estate usually attract the lowest rates and longest terms. Compare multiple lenders, as LVRs and fees differ.
Choose a term that balances affordability and total cost. Longer terms reduce repayments but increase total interest paid. If cash flow allows, making additional repayments or paying down early can cut costs—check for exit or break fees first.
Bundling multiple needs (e.g., property, equipment, and working capital) into one secured facility can also simplify repayment and reduce overall interest versus multiple smaller loans.
Understanding secured loan options
Secured business loans can be tailored with different structures depending on the asset pledged, repayment style, and flexibility required:
Property-Backed Loans
Commercial or residential property can be used as collateral, unlocking higher borrowing amounts and sharper interest rates. These loans are well-suited for larger, long-term funding needs.
Equipment-Backed Loans
Vehicles, machinery, or technology can serve as security. This option aligns repayments with the working life of the asset and helps free up working capital for other needs.
Loan-to-Value Ratio (LVR)
Lenders typically advance 70–80% of the asset’s value. A higher LVR may require stronger financials or additional security, while a lower LVR can improve approval speed and terms.
Fixed vs Variable Rates
Secured loans may be structured with fixed repayments for certainty or variable rates for potential savings if market rates drop. The choice depends on your risk profile and cash flow strategy.
Early Repayment & Exit Costs
Some secured loans allow early repayment or refinancing, but others carry break fees. Checking these terms upfront helps avoid surprises if you plan to repay early or restructure finance.
Testimonials
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I had an excellent experience with Emu Money as they managed my car financing process smoothly and quickly. They were extremely professional and proactive, making the entire process stress-free. From start to finish, Emu Money’s team ensured that everything was handled efficiently, keeping me informed along the way. I appreciate their responsiveness and dedication, which made the process seamless. Highly recommend Emu Money for anyone looking for a reliable and professional financial partner!
Zain R.
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Emu Money does a really good job when it comes to their services. It was pretty easy and smooth, less stressful, quick, Cristal clear, very friendly, to the point...etc I would highly recommend them for anyone My agent was Eujin who made my dream come true with what I wanted achieved. Thanks heaps and all the very best. Regards Lankesh
Lankesh S.
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Fantastic experience. Very seamless process, all done online and settlement was exactly when required. Highly recommend Adam. He was a pleasure to do business with on our first loan with Emu Money.
Vicki
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I made an enquiry with emu money and within 30 minute's, I had Ryan call me. He got the ball going straight away, and made everything so easy and was always keeping me updated with texts. I can not recommend this guy enough! Thanks again Ryan!
Ruairi M.
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It was an absolute pleasure dealing with Ryan from Emu Money in sorting out my car loan. I was talking with another broker and I was almost ready to settle the loan through him without realising I was getting charged a large amount as the lender fee, almost 3K. Once I started talking with Ryan I realised the naked truth of how I was about to get ripped off by the other lender. Ryan helped me to get the loan with a lesser fee, lesser repayment amount and the same lender with which I was gone with the first broker. I can't thank enough Ryan for his exceptional service which helped to get a better deal. I would highly recommend him for any loan needs.
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Frequently Asked Questions
Secured Business Loan FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
