Use your business assets as collateral and unlock higher loan amounts at significantly lower interest rates. Speak to Pooja — ex-NAB & ANZ banker with 10+ years of commercial lending expertise.
| Feature | Unsecured | Secured ✓ |
|---|---|---|
| Interest rate | Higher | Lower |
| Max loan amount | ~$500K | $1M+ |
| Repayment term | 1–5 years | Up to 25 yrs |
| Monthly repayment | Higher | Lower |
| Approval confidence | Lower | Higher |
| Collateral required | No (higher risk) | Yes — assets used |
Probiz Finance works with a panel of 30+ lenders to find the structure that actually fits your situation.
Collateral reduces lender risk. That saving translates directly into a lower interest rate — and thousands saved over the life of your loan.
We pre-assess your application before submitting — which means lenders see a clean, well-prepared file and respond faster. No unnecessary delays.
We don't push you toward one lender. We compare your options across our full panel — banks, non-banks, specialist lenders — and recommend the best fit.
Most businesses have more assets than they realise. If you own property, vehicles, equipment, or other tangible business assets — you likely qualify for a secured loan. The type and value of your collateral determines how much you can borrow and at what rate.
We work with businesses at different stages — from rapid growth to debt consolidation. Here's where we can help most.
You've been trading for a few years, you have property or equipment, and your business is performing well. But the bank's offer was too expensive or simply rejected. We work with non-bank lenders who assess businesses differently — and often approve what the banks won't.
Outdated equipment reduces productivity and makes it hard to compete on price. Equipment finance secured against the asset itself means you don't need separate collateral — the machine you're buying is the security. You get it, use it, and pay for it from what it earns.
Call 0415 929 728Managing several loans at different rates is expensive and stressful. A secured refinance can bring everything under one lower-rate facility — one repayment, better terms, freed-up cash flow each month. We've helped many businesses reduce their monthly outgoings significantly this way.
Message us on WhatsAppGet a sense of what your monthly, fortnightly, or weekly repayment could look like — before committing to anything. These are estimates only; your actual rate depends on your assets, credit profile, and chosen lender.
Most clients tell us the process was far simpler than they expected. Here's exactly what to expect when you work with Probiz Finance.
Tell us about your business, your goals, and what assets you have available. No paperwork at this stage — just a conversation. We'll give you an honest picture of what you likely qualify for.
No obligationUsing your details, we match your situation against our full lender panel — including non-bank lenders most businesses don't have access to. We identify 2–3 best-fit options for your review.
Typically within 24 hoursWe present your options clearly — rates, fees, terms, and total cost of borrowing. No pressure to decide. We explain the differences between options so you can choose with confidence.
Full fee disclosureWe guide you through exactly what's needed and submit on your behalf — correctly prepared the first time. This is where our banking background pays dividends — we know what lenders want to see.
We do the heavy liftingConditional approval often within 24–48 hours of submission. Once formal approval is received, funds are released to your nominated account. You're in business.
24–48 hour approvalReal clients, real outcomes. These are the kinds of situations we help with every week.
Fill in the form and we'll be in touch within a few hours — or book a time directly in our calendar that suits you. No cost, no obligation, no paperwork until you decide to proceed.
Send us your details
We'll review your situation and get back to you within 2 business hours.
Prefer to pick a time that suits you?
Book a Meeting — Choose Your TimeOpens our Calendly calendar. Choose a 20-minute slot that suits you — phone or Zoom.
Still have questions after reading through? The fastest way to get a direct answer is a quick call or WhatsApp message.
Most clients find out what they qualify for within 24 hours of their first conversation. There's no cost and no obligation — just clarity on what's possible for your business.
Please fill out the form and press the submit button.
We will get back to you within 24 hours.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.