A secured business loan uses property, equipment or other assets as collateral — giving lenders confidence and giving you lower rates, higher amounts and longer terms. For Australian SMEs with real assets and real growth plans, it's the most powerful business finance structure available.
You've got a solid trading history, real assets on the books, and a clear growth plan. But the bank says no — or offers a rate that makes the numbers not stack up. The problem isn't your business. It's how the bank is assessing it. A secured business loan, structured correctly through the right lender, changes that equation. Your assets give the lender confidence — and they pass that saving directly to you.
Collateral reduces lender risk. That saving flows directly to you — secured rates are typically meaningfully lower than unsecured equivalents for the same loan size.
Unsecured business loans are generally capped around $250K–$500K. With the right collateral, secured facilities can go well beyond $1M — sometimes to $5M or higher.
Our panel includes specialist non-bank lenders who assess businesses differently from the major banks — and regularly approve applications the banks declined.
A secured business loan uses a tangible asset — property, equipment, vehicles, or other business assets — as security for the lending. This isn't "handing over" the asset. You keep full use of it throughout the loan. The security simply gives the lender confidence that there's something to fall back on, which is why the rates are lower and the amounts are higher than unsecured options.
Property, equipment, vehicles, or other business assets you own or hold equity in. The asset stays in your possession and full use throughout the loan term.
The asset is registered as security. Because the lender now has recourse, they price the loan lower and offer higher amounts — reflecting the reduced risk.
Lower rate, higher limit, longer term. Monthly repayments are more manageable, cash flow is preserved, and the asset continues earning for the business.
Many business owners assume using collateral means giving something up. It doesn't. You continue using the property, operating the equipment, driving the fleet. The security simply sits in the background giving the lender the confidence to lend at a better price. The only time the collateral is at risk is in the event of default — which is why getting the right structure and repayment terms from the start matters so much.
Tell us about your business, your goal, and what assets you have. 20 minutes — by phone or Zoom. We give you an honest read on what you likely qualify for.
We map your situation against our full lender panel — banks, non-banks, specialist lenders. We shortlist the best fit, not just the most convenient.
We present your options clearly — rate, fees, term, total cost. Full transparency. You choose with confidence, or walk away. No pressure either way.
We prepare and lodge the application — correctly, the first time. Our banking background means we know what lenders want to see before they ask for it.
Indicative approval often within 24–48 hours of a complete submission. Formal approval follows. Funds released to your nominated account.
"Most clients tell us the process was far simpler than they expected. That's because we've done this hundreds of times — we know where the friction points are and we remove them." — Pooja Choudhary
Most businesses have more usable assets than they realise. Here's what we regularly work with — and what each type unlocks.
Your home or investment property. Most commonly used collateral — high lender confidence, best rates. Equity in a property with an existing mortgage can often be used.
Office, warehouse, retail space or industrial premises — whether you own it outright or have built equity. Commercial property often supports larger facilities.
Cars, trucks, vans or a commercial fleet. Equipment finance secured against the vehicle being purchased means no separate collateral needed — the asset itself is the security.
Manufacturing equipment, construction machinery, medical equipment, food industry assets. Equipment in productive use is both the collateral and the income source.
High-value inventory, business goodwill (in some cases), trade debtors, or a combination of assets. We assess each situation individually — often there's more security available than you think.
We assess your full asset picture in a free consultation — no obligation. Many clients discover they qualify for significantly more than they assumed.
Same business, same lender — different structure. Collateral changes the entire pricing equation.
| Feature | Unsecured business loan | Secured business loan ✓ |
|---|---|---|
| Collateral required | No | Yes — assets as security |
| Interest rate | Higher — more lender risk | Lower — collateral reduces risk |
| Maximum loan amount | Typically up to $250K–$500K | $1M to $5M+ depending on assets |
| Loan term | 1–5 years | Up to 25 years (property) |
| Monthly repayment | Higher — shorter term, higher rate | Lower — longer term, lower rate |
| Approval confidence | Credit-score focused | Asset value + business performance |
| Suitable for bad credit | Harder to place | More accessible — asset provides comfort |
| Best for | Short-term gaps, no assets | Growth, acquisition, consolidation |
A Melbourne manufacturer approached us after being declined by two major banks. Solid 8-year trading history, $2.4M annual revenue, and a commercial property with significant equity — but the banks didn't like a blip in the most recent year's financials. We identified a non-bank lender who focused on the asset and the trajectory, not the blip. Secured facility settled within four weeks, at a rate competitive with what the banks had initially quoted before declining.
Talk to us about your situation →$650,000 secured facility to buy out a business partner and fund a second location. Property equity used as collateral. Rate significantly below what the client's own bank offered.
Four separate loan facilities consolidated into one secured arrangement. Monthly repayment reduced substantially — cash freed up to invest back into the business.
Medical equipment purchased and secured against itself — no property collateral needed. Practice cash flow preserved. Equipment earning from day one of settlement.
Pooja Choudhary founded Probiz Finance after more than a decade inside NAB and ANZ. She's sat on both sides of the credit decision — she knows what lenders look for, how applications get assessed, and exactly why they get declined. That insider knowledge is what we bring to every client conversation.
Most brokers submit applications and wait. We pre-assess, structure, and present — so by the time your application reaches a credit team, it's already positioned for the best possible outcome.
"I'd been knocked back by two banks and was pretty deflated. Pooja looked at our situation completely differently and found a lender who actually understood our industry. We settled within three weeks. I wish I'd called her first."
"We needed $650,000 to buy out a partner and open a second location. Probiz found us a rate significantly better than our bank's offer. The whole process took about four weeks and was far less stressful than I expected."
"Four separate loan repayments were killing our monthly cash flow. Probiz consolidated everything into one secured facility and our repayments dropped significantly. That's real money back in the business every month."
Still have questions? The fastest answer is a direct conversation — no waiting, no chatbots.
No credit check at this stage. No obligation to proceed. Tell us about your business and assets and we'll come back within one business day with a clear picture of your options.
We'll review your situation and be in touch within one business day.
Opens Calendly — pick a 20-minute slot that suits you. Phone or Zoom.
A free conversation with Pooja takes 20 minutes. Most clients leave with a clear picture of what's possible — something they couldn't get from their bank in three months. No pressure, no obligation.
Your full financial situation and requirements need to be considered prior to any offer or acceptance of a loan product. All rates and amounts mentioned on this page are indicative only. Credit is subject to lender approval and individual circumstances.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.