Secured Business Finance for Australians

Apply Online in Minutes | Instant Pre-Approval | No Credit Score Impact 

Fast, Flexible Business Funding for Working Capital Needs

Compare secured business loan options from over 70 Australian lenders with broker-led support from Ausloans.

Whether you need funding for growth, working capital, debt consolidation, stock, business improvements or a major commercial opportunity, Ausloans helps match your business with suitable secured business finance options.

Our brokers use Zink to assess your profile, understand your funding needs and compare lender options — helping you move faster with a structure that suits your cash flow, security and business goals.

Ready to explore your options?
Compare commercial finance solutions with Ausloans today.
Apply Online

What is a Secured Business Loan?

A secured business loan is a type of commercial finance where the loan is backed by an asset or form of security. This security may help reduce lender risk and can give eligible businesses access to larger loan amounts, longer terms or more competitive rates than some unsecured options.

Security can vary depending on the lender, loan purpose and business profile. It may include residential or commercial property, business assets, invoices, vehicles, equipment or other acceptable collateral. The right structure will depend on how much you want to borrow, what the funds are being used for, the strength of the business and the security available.

Capital Business Cashflow

Business Loans Designed Around Your Specialty

Every business has different funding needs. Some businesses need capital to expand. Others need to smooth cash flow, refinance existing debts, fund a large contract, manage seasonal demand or invest in growth.

A secured business loan can be used for a wide range of business purposes, including:

Ausloans helps match your business to lenders that understand your industry, loan purpose and financial position, so you are not limited to a one-size-fits-all product.

Secured business loans may suit

Secured business loans may suit Australian businesses that need funding for growth, stability or major commercial expenses and have security available to support the application.

  • Established businesses seeking growth capital
  • Businesses wanting to consolidate or refinance debt
  • Business owners with property or assets available as security
  • Companies seeking larger funding amounts
  • Businesses wanting structured repayments over a longer term
  • Borrowers who may not fit standard unsecured lending criteria

They may not be the best fit if

A secured business loan may not be the best option for every funding need. In some cases, an unsecured business loan or another commercial finance solution may be more suitable.

  • You do not want to offer security
  • You only need a small short-term loan
  • You need funding urgently and valuation or legal checks may slow the process
  • You prefer not to use property or business assets to support the loan
  • An unsecured business loan better suits your funding needs
Explore our unsecured business loan options↗️

If you are unsure whether secured or unsecured finance is more suitable, Ausloans can help compare your options before you apply.

Ready to explore your options?
Brokered finance solutions with one single application.
Compare Now

How Ausloans Helps Compare Cash Flow Loan Offers

Ausloans combines digital finance technology with broker-led support to help businesses compare funding options efficiently. The process is designed to be simple and digital. You can begin online, provide key business details, and receive guidance from an Ausloans broker who understands how different lenders assess business cash flow, trading history, revenue, risk and documentation. Ausloans can help with:

Comparing cash flow finance options across a broad lender network

Comparing cash flow finance options across a broad lender network

Matching your funding purpose to suitable lender criteria

Matching your funding purpose to suitable lender criteria

Identifying whether secured or unsecured options may be available

Identifying whether secured or unsecured options may be available

Supporting low-doc or alternative documentation pathways where eligible

Supporting low-doc or alternative documentation pathways where eligible

Helping structure repayments around business cash flow

Helping structure repayments around business cash flow

Guiding you from digital assessment through to formal submission

Guiding you from digital assessment through to formal submission
Powered by Smart Technology

Meet Zink - Our AI Powered Loan Matching Engine

Through Zink, Ausloans can capture your application details, assess your finance profile and support lender matching across our panel. This helps your broker understand your funding needs earlier and identify suitable pathways before a full lender submission.

You get the speed of an online application with the guidance of a broker who can help structure your application properly.

How Commercial Finance Works with Ausloans

Applying directly to one bank can limit your options. Every lender has different rules around security, trading history, financial documents, industry type, loan purpose and risk profile.

Ausloans gives you access to a wide commercial lending network and broker-led support from application through to settlement.

By combining technology with real broker support, we give your business a smarter way to compare secured business finance.

COMPARE NOW
Sole Trader applying for finance

Secured Business Loan Rates Comparison

Commercial finance rates can vary significantly depending on the funding structure, security offered, business trading history, loan amount and lender requirements. The rates shown below are based on secured business finance products and represent indicative "from" rates only. Businesses seeking unsecured funding should generally expect higher interest rates, as no property or business assets are provided as security. Actual rates will depend on the individual business profile and lending assessment. 

Lender
Loan Amount
Loan Term
Interest Rate (FROM)
Get My Rate
Shift
$25k - $1M
6 - 60 Months
11.95%
Apply Now
ScotPac
$10k - $500k
6 - 36 Months
14.95%
Apply Now
Prospa
$150k - $500k
3 - 60 Months
9.90%
Apply Now
Bizcap
$30k - $5M
3 - 12 Months
15.99%
Apply Now
Dynamoney
$10k - $200k
6 - 36 Months
14.40%
Apply Now
Banjo
$20k - $2M
6 - 60 Months
9.90%
Apply Now
Liberty
$10k - $2M
6 - 360 Months
8.70%
Apply Now

Important: The rates displayed are indicative rates for secured business finance products. Unsecured business loans generally attract higher interest rates and may have different eligibility requirements. 

Compare 70 Lenders
— one simple application.
Get Approved
Explore our full panel
— of 70+ lenders
Explore Lenders
Estimate Your Repayments

Commercial Loan Calculator

Estimate your monthly repayments and compare different loan scenarios using our intuitive calculator. Understand how factors like loan amount, interest rate, and term affect your payments.

Fast Easy Finance Trusted by 1000's of Aussies

5 star service and finance success for customers of all credit profiles

Explore Commercial Finance & Business Loan Options

Looking to access funding for business growth, working capital or operational expenses? Commercial finance solutions can help businesses manage cash flow, invest in new opportunities and support day-to-day operations.

Whether you're seeking long-term growth capital, unsecured funding, low documentation options or short-term cash flow support, understanding the available finance structures can help you identify a solution that aligns with your business needs and objectives.

All Commercial Finance Options
business finance-1

All Commercial Finance Options

Cashflow Loans
Cashflow Finance

Cashflow Loans

Unsecured Business Loans
Unsecured Business Loan

Unsecured Business Loans

Low & Alt Doc Business Loans
Low-Doc Loans

Low & Alt Doc Business Loans

FAQ on Secured Business Finance

Commercial finance can look different depending on your business structure, funding purpose and available documentation. These FAQs answer common questions about comparing business funding options and understanding which business finance solution may suit your needs.

How does a secured business loan work?

A secured business loan works by using an asset or form of collateral to support the finance application. The lender assesses your business income, cash flow, credit profile, loan purpose and available security before deciding whether to approve the loan.

With Ausloans, your broker helps compare lender options and guides you through the application process.

What can I use a secured business loan for?

A secured business loan can be used for a range of business purposes, including working capital, business growth, debt consolidation, stock purchases, cash flow support, marketing, staffing, fit-outs or major commercial expenses.

The approved use will depend on the lender and the details of your application.

What security do I need for a business loan?

Security requirements vary by lender. Some lenders may accept residential property, commercial property, business assets, invoices, vehicles, machinery already owned by the business or other acceptable collateral.

Your dedicated Ausloans broker can help you understand what security may be suitable before your application is submitted.

Is a secured business loan better than an unsecured business loan?

A secured business loan may be suitable if you want to borrow a larger amount, access longer terms or support your application with available security. An unsecured business loan may suit businesses that do not want to provide specific security or need a simpler funding option.

Ausloans can help compare both pathways.

Can I get a secured business loan without full financials?

Some lenders may consider low-doc or alternative-doc applications, depending on your business profile, trading history, revenue, available security and credit position.

Your Ausloans broker can help identify what documents may be required and which lenders may suit your situation.

More about low doc loans can be found here.

How long does secured business loan approval take?

Approval times vary depending on the lender, loan amount, security type and documents required. Some applications can move quickly, while property-backed or more complex secured loans may take longer due to valuations, legal checks or further assessment.

Providing complete documents upfront can help speed up the process. Your dedicated Ausloans broker will guide you as to what supporting documentation is required. 

Can I refinance an existing business loan?

Yes, refinancing an existing business loan may be possible if your business meets lender criteria. Refinancing may help consolidate debts, adjust repayment terms, improve cash flow or access a more suitable loan structure.

Ausloans can review your current position and compare refinance options across its lender network.

Why use a broker for a secured business loan?

A broker can help compare lenders, explain loan structures, identify documentation requirements and match your application to suitable lender criteria.

Ausloans works with over 70 lenders and uses Zink to support a faster, more guided application process.

Back to top
Answers to more Commercial Finance FAQs
Eligibility, loan structures, documentation and more
Commercial Finance FAQ