Property-backed business lending

Bigger funding, secured against property

Borrow up to $5-6m against residential, commercial or investment property for almost any business purpose, at single-digit rates. It works like a home loan, built for your business. No up-to-date financials, ATO debt workable, and new businesses are welcome.

$5-6m Single-digit 40+

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Up to $5-6M
Serious facilities for serious moves
Single-digit rates
Priced like a home loan, for business
No financials needed
Low-doc friendly, ATO debt workable
New businesses welcome
No long ABN history required

The sharp-rate option

If you own property, you can fund the business at sharper rates

Property-backed business lending lets you borrow against property you already hold and put that capital to work, often at rates the unsecured market cannot match. Because the loan is secured, lenders can look past the usual hurdles. There are no up-to-date financials to chase, recent ATO debt can be worked around, and a brand-new business can qualify without years of trading behind it.

Ventas Asset Lending arranges these facilities across a panel of more than 40 lenders, matching your property and your plan to the right one. Funding something smaller? See our equipment and vehicle finance, or talk to us about a working capital line.

What you can use it for

Put the facility to work however your business needs it.

Buy or refinance premises

Purchase the property your business operates from, or refinance an existing commercial loan onto sharper terms.

Release equity for growth

Unlock equity in property you already own and reinvest it straight back into the business.

Consolidate business debt

Roll higher-rate loans into one single-digit, property-secured repayment that is easier to manage.

Clear or restructure ATO debt

Use a property-backed facility to clear outstanding tax debt and replace it with one manageable repayment.

Working capital and cashflow

Bridge a gap, fund a large order, or give the business breathing room when the timing matters.

Buy equipment at sharper rates

Fund big-ticket equipment or a fit-out against property to beat the pricing of an unsecured loan.

$5-6M
Maximum facility size
Single‑digit
Interest rates, secured against property
40+
Lenders on our panel

Why businesses choose Ventas

01

Rates priced like a mortgage

Because property secures the loan, you borrow in single-digit territory instead of the double-digit pricing of unsecured business loans. On a facility this size, that gap can be the difference between a deal working and not working.

02

Low-doc and no financials

No need to pull together years of statements or up-to-date tax returns. Recent ATO debt is workable, and the focus stays on the property and the plan rather than red tape.

03

Big-ticket headroom

This is the large-facility option. With property as security you can access up to $5-6m, well beyond what an unsecured business loan would stretch to.

New to business? No long ABN history needed.

Most lenders shut the door on new operators. With property as security, we can often open it. Tell us about the property and we will tell you what is possible.

Check what you qualify for

Free repayment estimator

See an indicative monthly repayment

Indicative monthly repayment
$16,604
per month, principal & interest
Total interest$1,985,000
Total repaid$3,985,000

Estimate only and not an offer of finance. Actual rates, terms and repayments depend on the security property, the lender and your circumstances. Get a free rate quote for real numbers.

Get my real numbers

Property-backed business lending, Australia-wide

We arrange property-secured business facilities right across the country. Wherever the security property sits, we can help you put its equity to work.

Armidale Ashfield Auburn Ballina Bankstown Banora Point Bathurst Baulkham Hills Bexley Blacktown Bossley Park Burwood Byron Bay Cabramatta Campbelltown Campsie Carlingford Castle Hill Casula Central Coast Cessnock Chatswood Cherrybrook Concord Coogee Cooma Cowra Cranebrook Cronulla Dee Why Deniliquin Dubbo Earlwood Eastwood Engadine Fairfield Forster Frenchs Forest Glen Innes Glenmore Park Glenwood Goulburn Grafton Granville Greenacre Greystanes Griffith Guildford Hornsby Hurstville Ingleburn Inverell Kellyville Kogarah Lakemba Leeton Leichhardt Lidcombe Lismore Lithgow Liverpool Maitland Manly Maroubra Marrickville Marsden Park Mascot Merrylands Miranda Moree Mosman Mount Druitt Narrabri Newcastle Newtown North Kellyville Nowra Oran Park Orange Parramatta Penrith Port Macquarie Prestons Punchbowl Quakers Hill Queanbeyan Randwick Revesby Rockdale Rooty Hill Ryde Schofields Seven Hills Singleton St Clair St Ives Strathfield Surry Hills Sutherland Sydney Tamworth Taree The Ponds Toongabbie Tumut Ulladulla Umina Beach Wahroonga Waterloo Wentworthville West Pennant Hills Westmead Wetherill Park Windsor Wollongong Yagoona Yass Young Altona Meadows Ararat Ascot Vale Bairnsdale Ballarat Balwyn North Belmont Benalla Bendigo Bentleigh Bentleigh East Berwick Blackburn Boronia Box Hill Bright Brighton Brighton East Brunswick Brunswick West Bundoora Camberwell Carlton Carnegie Caroline Springs Carrum Downs Castlemaine Caulfield North Cheltenham Clayton Clyde North Cobram Coburg Colac Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Deer Park Docklands Doncaster Doncaster East Doreen Drouin Echuca Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Footscray Frankston Frankston South Glen Iris Glen Waverley Glenroy Greensborough Greenvale Grovedale Hamilton Hampton Park Hawthorn Hawthorn East Highton Hillside Hoppers Crossing Horsham Keilor East Kew Keysborough Kyneton Lalor Langwarrin Lara Lilydale Mallacoota Malvern East Meadow Heights Melbourne Melton Mernda Mickleham Mildura Mill Park Mitcham Moonee Ponds Mooroolbark Mornington Mount Eliza Mount Martha Mount Waverley Mulgrave Myrtleford Narre Warren Narre Warren South Nhill Noble Park North Melbourne Northcote Ocean Grove Officer Omeo Pakenham Pascoe Vale Point Cook Port Melbourne Preston Reservoir Ringwood Rosebud Rowville Roxburgh Park Seaford Seymour Shepparton South Morang South Yarra Southbank Springvale St Albans St Arnaud St Kilda Stawell Sunbury Sunshine Sunshine West Swan Hill Tarneit Taylors Hill Taylors Lakes Templestowe Thomastown Thornbury Torquay Traralgon Truganina Wallan Wangaratta Wantirna Wantirna South Warragul Werribee West Wodonga Wheelers Hill Whittlesea Williamstown Wodonga Wollert Wyndham Vale Yarraville Yarrawonga Albany Creek Alexandra Hills Atherton Ayr Beaudesert Biggenden Biloela Birkdale Bowen Bracken Ridge Brisbane Browns Plains Buderim Bundaberg Burleigh Waters Burpengary Caboolture Calamvale Caloundra Capalaba Carindale Charleville Clermont Cleveland Collinsville Coomera Coorparoo Dalby Deception Bay Eight Mile Plains Emerald Emu Park Forest Lake Gladstone Gold Coast Goondiwindi Gympie Helensvale Hope Island Inala Innisfail Ipswich Kallangur Kirwan Labrador Logan Longreach Mackay Mango Hill Mareeba Maroochydore Marsden Maryborough Miles Mooloolaba Moranbah Morayfield Moreton Bay Mount Isa Mudgeeraba Narangba Nerang Noosa North Lakes Ormeau Pacific Pines Palm Beach Pimpama Proserpine Redbank Plains Redland Bay Redlands Robina Rochedale South Rockhampton Runcorn Sarina South Brisbane Southport Springfield Lakes Springwood Sunnybank Hills Sunshine Coast Surfers Paradise The Gap Thornlands Toowoomba Townsville Upper Coomera Varsity Lakes Victoria Point West End Yeppoon Albany Armadale Australind Baldivis Ballajura Bayswater Broome Bunbury Busselton Byford Canning Vale Carnarvon Collie Como Dampier Dianella Duncraig Ellenbrook Esperance Exmouth Fremantle Gosnells Halls Head Harvey Joondalup Karratha Landsdale Mandurah Manjimup Merredin Midland Morley Narrogin Northam Perth Piara Waters Rockingham Scarborough Stirling Thornlie Tom Price Wanneroo Willetton Adelaide Ceduna Clare Elizabeth Gawler Kadina Marion Modbury Morphett Vale Mount Barker Naracoorte Parafield Gardens Paralowie Port Augusta Port Pirie Prospect Renmark Salisbury Streaky Bay Tea Tree Gully Victor Harbor Waikerie Whyalla Burnie Campbell Town Devonport Hobart Kingston Launceston New Norfolk Rosebery Ross Smithton Sorell St Helens Ulverstone Belconnen Canberra Gungahlin Kambah Tuggeranong Woden Alice Springs Darwin Katherine Palmerston

Common questions

Property-Backed Business Finance, explained

How much can I borrow?

Property-backed facilities typically run up to $5-6m, depending on the value and type of the security property and your scenario. There is no single cap that suits everyone, so the fastest way to get a real figure is a free rate quote.

Do I need to own property to qualify?

Yes. This facility is secured against property, so you need to hold equity in residential, commercial or investment real estate. It does not have to be the property the business trades from. If you do not own property, equipment and vehicle finance may suit you better instead.

What can I use as security?

Residential, commercial or investment property can all be used as security, including a property the business does not operate from. If you hold equity in property, it can usually be put to work.

Do I really not need financials?

Correct. Because the loan is secured against property, most lenders on our panel do not require full financials or up-to-date tax returns. These are low-doc and no-doc friendly facilities, which is part of what makes them workable when a bank says no.

I have ATO debt. Can I still get a facility?

Usually yes. Outstanding ATO debt is workable with property-backed lending, and many clients use a facility specifically to clear or consolidate it. Tell us the situation and we will find a lender comfortable with it.

My business is brand new. Will I qualify?

Yes. You do not need a long ABN or trading history. If there is property to secure the loan against, a new business can access funding that unsecured lenders would refuse outright. It is one of the biggest advantages of going property-backed.