Finance question
Can you get a business loan secured against your property?
Yes. You can borrow up to $5 to 6 million against commercial or residential property at single-digit rates with no financials. It works like a home loan, but the funds go into your business.
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The short answer
Like a home loan, but for your business
You put up a property with equity as security. Because the lender's risk is covered by real estate, the rate drops into single digits and the paperwork drops too, with no financials needed on many deals. It is the cheapest business money available outside a bank, without the bank's conditions.
How much you can borrow depends on the valuation and your equity. Larger equity positions support larger facilities, up to the $5 to 6 million range. Both commercial and residential property can be used as security.
The funds cover most business purposes: expansion, buying premises, stock, equipment, or clearing other debt including ATO arrears.
Do you qualify?
The core requirements for a property-backed facility.
Property with equity
Residential or commercial real estate to secure against.
An ABN
New businesses are fine, there is no long history requirement.
Up to $5 to 6 million
Borrowing capacity scales with valuation and equity.
ATO debt workable
Arrears can be cleared as part of the facility.
Why the rate is lower
Secured by real estate
The property covers the lender, so the risk premium a bank charges an unsecured business disappears.
Single-digit pricing
That security is why the rate lands in single digits rather than the double digits of unsecured lending.
Less paperwork
With the equity carrying the deal, many facilities settle without up-to-date financials.
A real example
An established trades business wants $2 million to buy the unit next door and expand. The director owns a commercial property with strong equity. Funded against that property at a single-digit rate, repaid like a mortgage over a long term. Illustrative only.
Common questions
Frequently asked questions
How much can I borrow against my property?
It depends on the valuation and your equity. Larger equity positions support larger facilities, up to the $5 to 6 million range.
Can I use residential property, not just commercial?
Yes, both work as security.
What can I use the funds for?
Most business purposes: expansion, stock, equipment, buying premises, or clearing debt.
Do I need financials?
For many property-backed deals, no. The security does the heavy lifting.