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

What counts as security

Which property can back a facility

Residential, commercial and investment property can all serve as security, and it does not have to be the business premises. An investment unit, a family home with equity in it, or a commercial property held in a trust are all workable positions, and the property does not need to be owned outright because lenders read the equity rather than the title alone.

What matters is the equity available after the existing mortgage, and how cleanly the ownership is held. Property held jointly, through a trust, or with other parties on the title is still usable, but every party on that title has to be part of the conversation, and finding that out late is the most common avoidable delay in these deals.

The reason to go through the work is the pricing. Property security moves a facility from roughly 9% to 13% p.a. for unsecured or asset-only lending down to roughly 6% to 9% p.a., and lifts the reachable amount to the property-backed pillar of up to $6 million rather than the $500,000 asset pillar. It is also what makes some purposes fundable at all. Detail in property-backed business loans, and if the ABN is young, borrowing without ABN history.

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.

Albion Park Albury Alexandria Annandale Armidale Arncliffe Artarmon Ashfield Auburn Avalon Beach Ballina Balmain Bankstown Banora Point Bass Hill Bateau Bay Batemans Bay Bathurst Baulkham Hills Beaumont Hills Beecroft Bellevue Hill Belmore Belrose Berala Berkeley Vale Beverly Hills Bexley Blacktown Bondi Bondi Beach Bondi Junction Bonnyrigg Bossley Park Botany Bowral Bradbury Broken Hill Burwood Byron Bay Cabramatta Cameron Park Campbelltown Camperdown Campsie Canley Heights Canley Vale Canterbury Caringbah Caringbah South Carlingford Casino Castle Hill Casula Central Coast Cessnock Charlestown Chatswood Cherrybrook Chester Hill Chipping Norton Coffs Harbour Colyton Concord Condell Park Coogee Cooma Cowra Cranebrook Cremorne Cronulla Croydon Park Dapto Darlinghurst Dee Why Denham Court Deniliquin Doonside Drummoyne Dubbo Dulwich Hill Earlwood East Maitland Eastwood Edensor Park Edmondson Park Engadine Ermington Erskineville Fairfield Fairfield West Figtree Five Dock Forestville Forster Frenchs Forest Freshwater Georges Hall Gladesville Glebe Glen Innes Glenfield Glenmore Park Glenwood Goonellabah Gordon Gorokan Goulburn Grafton Granville Green Valley Greenacre Gregory Hills Greystanes Griffith Guildford Gunnedah Hamlyn Terrace Harrington Park Hay Hinchinbrook Homebush Homebush West Hornsby Horsley Hunters Hill Hurstville Ingleburn Inverell Jerrabomberra Jordan Springs Karabar Katoomba Kellyville Kellyville Ridge Kempsey Kensington Killara Kings Langley Kingsford Kingsgrove Kingswood Kirrawee Kogarah Lakemba Lane Cove Lane Cove North Lavington Leeton Leichhardt Leppington Leumeah Lidcombe Lindfield Lismore Lithgow Liverpool Lurnea Macquarie Fields Macquarie Park Maitland Manly Maroubra Marrickville Marsden Park Marsfield Mascot Matraville Mayfield Medowie Menai Merewether Merrylands Minto Miranda Mona Vale Moorebank Moree Mortdale Mosman Moss Vale Mount Annan Mount Druitt Mount Pritchard Mudgee Muswellbrook Narrabri Neutral Bay New Lambton Newcastle Newtown North Bondi North Kellyville North Parramatta North Rocks North Ryde North Sydney Northmead Nowra Oatley Oran Park Orange Paddington Padstow Panania Parkes Parramatta Peakhurst Penrith Penshurst Plumpton Port Macquarie Prestons Punchbowl Pymble Pyrmont Quakers Hill Queanbeyan Randwick Raymond Terrace Redfern Revesby Rhodes Richmond Riverstone Riverwood Rockdale Rooty Hill Rose Bay Roselands Roseville Rouse Hill Rozelle Rutherford Ryde Sans Souci Schofields Seven Hills Singleton Smithfield South Penrith Spring Farm St Clair St Ives St Marys Stanhope Gardens Strathfield Surry Hills Sutherland Sydney Sylvania Tamworth Taree Terrigal The Ponds Thornleigh Thornton Thurgoona Toongabbie Tumut Turramurra Tweed Heads Ulladulla Umina Beach Vaucluse Wagga Wagga Wahroonga Wallsend Waterloo Wattle Grove Wentworth Point Wentworthville West Hoxton West Pennant Hills West Ryde Westmead Wetherill Park Wiley Park Windsor Winston Hills Wolli Creek Wollongong Woonona Woy Woy Wyoming Yagoona Yass Young Zetland Abbotsford Alfredton Altona Altona Meadows Altona North Ararat Armstrong Creek Ascot Vale Avondale Heights Bairnsdale Ballarat Balwyn Balwyn North Bayswater North Beaumaris Belmont Benalla Bendigo Bentleigh Bentleigh East Berwick Blackburn Blackburn South Boronia Box Hill Box Hill North Braybrook Bright Brighton Brighton East Broadmeadows Brookfield Brunswick Brunswick East Brunswick West Bulleen Bundoora Burwood East Cairnlea Camberwell Carlton Carnegie Caroline Springs Carrum Downs Castlemaine Caulfield North Caulfield South Chadstone Cheltenham Chirnside Park Clayton Clayton South Clyde Clyde North Cobram Coburg Colac Collingwood Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Darley Deer Park Derrimut Diamond Creek Dingley Village Docklands Doncaster Doncaster East Donvale Doreen Doveton Drouin Echuca Elsternwick Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Fitzroy Fitzroy North Footscray Forest Hill Frankston Frankston South Fraser Rise Geelong Gisborne Glen Iris Glen Waverley Glenroy Golden Square Greensborough Greenvale Grovedale Hallam Hamilton Hampton Hampton Park Harkness Hastings Hawthorn Hawthorn East Heathmont Highett Highton Hillside Hoppers Crossing Horsham Ivanhoe Kangaroo Flat Keilor Downs Keilor East Kerang Kew Keysborough Kialla Kilmore Kilsyth Kurunjang Kyneton Lalor Langwarrin Lara Leopold Lilydale Lynbrook Lyndhurst Macleod Maidstone Mallacoota Malvern Malvern East Manor Lakes Maribyrnong Meadow Heights Melbourne Melton Melton South Melton West Mentone Mernda Mickleham Mildura Mill Park Mitcham Moe Montmorency Moonee Ponds Mooroolbark Mordialloc Mornington Morwell Mount Eliza Mount Evelyn Mount Martha Mount Waverley Mulgrave Murrumbeena Myrtleford Narre Warren Narre Warren South Newport Nhill Noble Park Norlane North Melbourne Northcote Nunawading Oakleigh South Ocean Grove Officer Omeo Pakenham Parkdale Pascoe Vale Pascoe Vale South Point Cook Port Melbourne Portland Prahran Preston Reservoir Ringwood Ringwood East Ringwood North Rosanna Rosebud Rowville Roxburgh Park Rye Sale Sandringham Seaford Sebastopol Seymour Shepparton Somerville South Melbourne South Morang South Yarra Southbank Springvale Springvale South St Albans St Arnaud St Kilda St Kilda East Stawell Strathmore Sunbury Sunshine Sunshine North Sunshine West Surrey Hills Swan Hill Sydenham Tarneit Taylors Hill Taylors Lakes Templestowe Templestowe Lower Thomastown Thornbury Toorak Torquay Traralgon Truganina Vermont Vermont South Wallan Wangaratta Wantirna Wantirna South Warragul Warrnambool Wendouree Werribee West Footscray West Wodonga Wheelers Hill Whittlesea Williams Landing Williamstown Wodonga Wollert Wyndham Vale Yarraville Yarrawonga Albany Creek Alexandra Hills Algester Andergrove Annerley Arundel Ashgrove Ashmore Aspley Atherton Ayr Bardon Bargara Beaudesert Bellbird Park Benowa Biggenden Biggera Waters Biloela Birkdale Bli Bli Boondall Bowen Bracken Ridge Brassall Bray Park Bridgeman Downs Brisbane Brisbane City Browns Plains Buderim Bundaberg Burleigh Heads Burleigh Waters Burpengary Burpengary East Caboolture Cairns Calamvale Caloundra Camp Hill Capalaba Carina Carindale Carrara Carseldine Chapel Hill Charleville Charters Towers Chermside Clayfield Clermont Cleveland Collingwood Park Collinsville Coolum Beach Coombabah Coomera Coorparoo Crestmead Cunnamulla Currumbin Waters Dalby Deception Bay Eagleby Edmonton Eight Mile Plains Elanora Emerald Emu Park Everton Park Ferny Hills Forest Lake Fortitude Valley Frenchville Gladstone Gold Coast Goodna Goondiwindi Gracemere Greenbank Griffin Gympie Harristown Helensvale Hervey Bay Highfields Holland Park Home Hill Hope Island Inala Indooroopilly Innisfail Ipswich Kallangur Kangaroo Point Kearneys Spring Kedron Kelso Kenmore Kingaroy Kippa-Ring Kirwan Kuraby Labrador Little Mountain Logan Loganlea Longreach Mackay Mango Hill Manly West Mansfield Mareeba Maroochydore Marsden Maryborough Mermaid Waters Miles Mitchelton Mooloolaba Moorooka Moranbah Morayfield Moreton Bay Morningside Mount Gravatt East Mount Isa Mount Louisa Mount Sheridan Mountain Creek Mudgeeraba Murrumba Downs Nambour Narangba Nerang New Farm Noosa Noosaville Norman Gardens North Lakes Nundah Ormeau Oxenford Oxley Pacific Pines Palm Beach Parkinson Parkwood Peregian Springs Petrie Pimpama Proserpine Raceview Rangeville Redbank Plains Redcliffe Redland Bay Redlands Redlynch Regents Park Robina Rochedale South Rockhampton Roma Runaway Bay Runcorn Sarina Shailer Park Sippy Downs Slacks Creek South Brisbane Southport Springfield Lakes Springwood St George St Lucia Stanthorpe Strathpine Sunnybank Sunnybank Hills Sunshine Coast Surfers Paradise Taringa Tarragindi Tewantin The Gap Thornlands Toowong Toowoomba Townsville Upper Coomera Upper Mount Gravatt Urangan Varsity Lakes Victoria Point Wakerley Warner Warwick Wavell Heights Wellington Point West End Wishart Woodridge Woolloongabba Wynnum Wynnum West Yarrabilba Yeppoon Zillmere Albany Alkimos Armadale Atwell Australind Aveley Balcatta Baldivis Balga Ballajura Banksia Grove Bassendean Bayswater Beckenham Beechboro Beeliar Bentley Brabham Broome Bunbury Busselton Butler Byford Canning Vale Carnarvon Claremont Clarkson Cloverdale Collie Como Dalyellup Dampier Dianella Doubleview Duncraig East Perth East Victoria Park Eaton Ellenbrook Esperance Exmouth Floreat Forrestfield Fremantle Geraldton Girrawheen Gosnells Greenfields Greenwood Halls Head Hamilton Hill Harrisdale Harvey High Wycombe Hillarys Huntingdale Innaloo Joondalup Kalgoorlie Kardinya Karratha Karrinyup Katanning Kelmscott Kingsley Landsdale Leeming Maddington Mandurah Manjimup Marangaroo Margaret River Maylands Meadow Springs Merredin Midland Morley Mosman Park Mount Lawley Narrogin Nedlands Newman Nollamara North Perth Northam Padbury Perth Piara Waters Port Hedland Port Kennedy Quinns Rocks Rivervale Rockingham Scarborough Secret Harbour Seville Grove South Bunbury South Hedland South Perth Southern River Spearwood Stirling Subiaco Success Tapping Thornlie Tom Price Victoria Park Waikiki Wanneroo Warnbro Wellard Wembley West Busselton Willetton Woodvale Yanchep Yokine York Aberfoyle Park Adelaide Aldinga Beach Andrews Farm Athelstone Berri Blakeview Bordertown Ceduna Clare Craigmore Elizabeth Flagstaff Hill Gawler Golden Grove Greenwith Hallett Cove Happy Valley Ingle Farm Kadina Keith Loxton Magill Marion Mawson Lakes Modbury Morphett Vale Mount Barker Mount Gambier Murray Bridge Naracoorte Parafield Gardens Paralowie Port Augusta Port Lincoln Port Pirie Prospect Renmark Salisbury Salisbury East Salisbury North Seaton Streaky Bay Tea Tree Gully Victor Harbor Waikerie Wallaroo Whyalla Woodcroft Burnie Campbell Town Devonport Glenorchy Hobart Howrah Huonville Kingston Launceston New Norfolk Queenstown Rosebery Ross Sandy Bay Smithton Sorell St Helens Ulverstone Zeehan Belconnen Canberra Gungahlin Kambah Ngunnawal 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.