favi

Suitable for start-up businesses

Property loan possible up to 80% LVR

New businesses eligible

No minimum trading history required

No upfront credit check required

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What Are Secured Business Loans?

As the name suggests, Secured Business Loans are loans backed by a security in any form. Secured Business Loans are mostly popular among new businesses which are yet to start operations or start-up businesses with minimal or no cash flows.

Business loans backed by security can help small businesses get their ideal loan amounts with favourable terms because they are seen as lower risk by lenders.

What makes me eligible for a Secured business loan?

Generally, to be eligible for a secured business loan, you need to

  • Have an active ABN
  • Must be trading for at least 6 months
  • Average monthly income to be >$5k
  • Have an asset to offer as security

However, there are few secured business loan products available on the market where you don’t require to be trading for a minimum period or generating any revenue. 

Are you a start-up, planning to open a new business, or buy a business without any trading history or revenue stream? (Which may mean you don’t currently have an average $5k income each month, and haven’t been trading for 6 months). 

Please contact us to discuss the details of your scenario, and we can help you find the best loan product for you that’s available.

Our loan guide

Secured Business Loans

Loan amount

Starts from $20k

Interest rates from

Starts from 7.99% p.a.

Loan term

Up to 25 years

Pre-approval time

24 – 48 hours

Unconditional approval & settlement time

3-7 days

Repayments

Principal and Interest / Interest Only / Bullet repayment

Security

Required with funding possibilities up to 80% Loan to Value ratio

What you need to know

Can be used for

Buying/investing into new business

Buying Equipment

Developing properties

Disposing residual stocks

Other working capital needs

Documents required (low doc approval)

Valid identification proof

Security Details

Exit Strategy

Others depending upon loan product

Documents required (full doc approval)

Start-ups/ new businesses eligible

Can borrow higher amount loans

Bad credit history can be considered

*The information provided in

critical information sheet

is intended as a guide only. Please contact us for more information.

Here’s how to secure a loan with us

Get closer to your business dreams than ever before.

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The Most Popular Secured Business Loans Compared

Any business loan product could be a secured business loan, however there are few secured business loan products which are most popular and commonly offered by private lenders within Australian market.

Start-up Business Loan

This loan is for businesses which are yet to start trading or generally trading for lesser than 12 months.

Real estate security backed funding

Loan amount approved based on valuation of the property

Can get funded up to 80% loan to value ratio

Second mortgage options available.

Can be obtained to purchase an existing business.

Learn More
startup-business-loan

Vehicle and Equipment Finance

This loan is availed by businesses which require to purchase a vehicle or equipment for the business use.

Available for both new and used vehicles and equipment.

100% Funding possible.

Approval possible within 24-48 hours.

Loan term between 2-5 years.

Both primary and secondary assets can be funded.

Learn More

Property Loans

Property loans are taken against the value of the property.

Can be offered as 1st or 2nd mortgage loans.

Shorter term between 3-24 months

The LVR can go up to 80%.

No minimum income or trading history required.

1st/2nd mortgage loans, bridging loans, construction loans, residual stock loans are most common property loans.

Learn More

Bad Credit Loans

Generally, these loans are for businesses which had a bad credit history in the personal or business credit in the past.

Generally short term in nature 3-12 months

Stringent lending norms

Comparatively higher pricing

Learn More

Low Doc Business Loans

This loan enables self-employed borrowers and small businesses to secure instant cash flow or business capital without the requirement to furnish supporting financial documentation typically needed for loan approval.

Minimum documentation

Borrow up to $250,000

Loan terms up to 36 Months

Learn More
low-doc-business-loans

What you should know about secured business loans

Have questions? Speak to our experts!

1300 253 041 Apply Now

Unlocking Growth with Secure Business Loans from Broc Finance

Broc Finance is your dependable partner in maximising your company’s financial potential. We understand the critical role that secure and flexible capital plays in driving growth and capturing opportunities in Australia’s evolving business landscape. Our Secured Business Loans are designed to assist Australian entrepreneurs and businesses by providing a solid financial foundation to fuel expansion, manage working capital, and handle unforeseen hurdles.

Broc Finance is here to help your business grow by providing transparency, competitive rates, and personalised solutions. Explore our Secured Business Loans today to gain the peace of mind that comes with knowing your financial future is secure.

 

Types of Collateral for Secured Business Loans in Australia

When applying for a secured business loan, offering collateral can improve your chances of approval and lower your interest rates. Below are common types of collateral you can use in Australia for business loans:

  • Real Estate: The most common collateral for secured business loans. Whether it's commercial, rural, or residential property, real estate holds significant value and can offer higher loan amounts.
  • Vehicles: Business vehicles, such as cars or trucks, can be used as collateral. The loan amount will depend on the condition and market value of the vehicles.
  • Investments: Business investments, such as stocks or bonds, can be pledged as collateral. The loan amount will reflect the current market value and liquidity of the assets.
  • Future Receivables: If your business has reliable income streams, you can use future receivables or invoices as collateral. This is commonly used by businesses needing to bridge short-term liquidity gaps.
  • Inventory: Retail or wholesale businesses can use their inventory as collateral, with the loan amount depending on the value and turnover rate of the stock.
  • Business Equipment: Machinery, tools, or other operational equipment owned by the business can serve as collateral. The value depends on the equipment’s age, condition, and market demand.
  • Savings Accounts: Business cash savings or term deposits can be pledged as collateral, offering a secure and liquid form of backing for the loan.

In Australia, real estate is the most frequently used form of collateral due to its high value and stability. However, business-specific assets like inventory, equipment, and future receivables provide flexible options for businesses seeking secured loans to fuel growth or manage cash flow.

What are the benefits and disadvantages of taking a Secured Business Loan?

Benefits

A start-up or a new business can be funded.

The interest rates can be competitive than unsecured business loan

Have a higher probability of approval.

Increase your loan eligibility amount.

May get a business loan with a slightly weaker credit history as well.

Low doc approvals.

Disadvantages

Need to have security to get a secured business loan.

May not be as quick as an unsecured business loan as the lender needs to lodge a caveat on your security before releasing the funds.

There is a risk of losing your asset on default.

Benefits of Secured Business Loan

For a start-up, a secured loan can be used to kickstart the business operation of the business and cover any unexpected costs. For an existing business owner, let’s say you have a seasonal business and you require immediate funds to stock goods, you can get a secured business loan to procure your goods and multiply your sales during the peak season.

Discover how a secured business loan can help your company:

  • The interest rates for secured business loans can be more competitive than unsecured business loans
  • Have a higher probability of approval
  • Increase your loan eligibility amount
  • May get a business loan with a slightly weaker credit history as well
  • Invest in a new business
  • Expansion into branches or another unit
  • Liquidating Residual stocks
  • Expansion into branches or another unit
  • Purchasing property
  • Meeting Working capital needs
  • Buy stock/Inventory
  • Buy Equipment
  • Paying wages/rent
  • Renovating business premises
  • Paying tax dues
  • Advertising and Marketing

Secured Business Loan Application Assessment

The loan amount on secured business loans can mainly depend on the following factors.

The valuation of the real estate property and available equity in the same determines the loan amount for firms that are relatively young and do not have enough cash flow in the business. As a first or second mortgage loan, lenders can often go up to 80% loan to value ratio.

The exit plan is another important consideration in deciding the loan amount, particularly in the case of property loans. Bridging loans, residual stock loans, and construction loans are typically issued for a shorter term of 3-24 months, with the option to capitalise the interest and make a lump sum repayment at the end of the term. In order to authorise the maximum amount, lenders must have a sound exit strategy from the borrower.

Some secured business loans, though backed by security, need to showcase adequate financial strength and serviceability in order to get a higher loan amount.

Broc Finance believes every company has unique strengths on its own and we are here to help you present them effectively to the lenders so that you are able to secure the business loan you need.

What can you use a Secured Business Loan for?

For a start-up, a secured loan can be used to kickstart the business operation of the business and cover any unexpected cost.

For an existing business owner, let’s say if you have a seasonal business and you require immediate funds to stock goods, you can get a secured business loan to procure your goods and multiply your sales during the peak season. Some of the other purposes for which a Secured business loan can be used is listed below.

  • Invest in a new business
  • Expansion into branches or another unit
  • Purchasing property
  • Meeting Working capital needs
  • Buy stock/Inventory
  • Buy Equipment
  • Paying wages/rent
  • Renovating business premises
  • Paying tax dues
  • Advertising and Marketing
  • Liquidating Residual stocks
  • Construction

 

Secured Small Business Loan: A Great Option for Growing Businesses

A secured small business loan is a smart financial solution for businesses at various stages of growth. Whether you're in the early expansion phase, need new equipment, or looking to stabilise cash flow, secured loans offer flexibility and security by using assets like property, vehicles, or equipment as collateral. This type of loan can be particularly beneficial when you're ready to take the next step but need more substantial funding.

Here’s why a secured loan might be the best choice for your small business:

  • Lower Interest Rates: Since collateral reduces the lender’s risk, you’re likely to secure lower interest rates. This is particularly helpful when your business is scaling, as it keeps borrowing costs manageable while you focus on growth.
  • Access to Larger Loan Amounts: If your business is entering a new phase, like expanding operations, purchasing inventory, or upgrading equipment, a secured loan can provide the larger funding amounts necessary to cover these substantial costs.
  • Flexible Repayment Terms: Small businesses often experience fluctuations in cash flow. A secured loan typically offers more flexible repayment options, allowing you to spread the cost over a longer period, giving your business breathing room while navigating through growth or market challenges.
  • Improving Business Credit: At a stage where your business is building credibility, making regular payments on a secured loan can significantly boost your credit profile, opening doors for future financing at even better rates.

Businesses often consider a secured small business loan when they’re ready to:

  • Invest in Long-Term Assets: Such as real estate, machinery, or technology upgrades that will help scale operations.
  • Manage Cash Flow: To smooth out operational costs or prepare for seasonal demand increases.
  • Expand into New Markets: Whether through physical expansion or entering new industry sectors, the financial cushion from a secured loan can make all the difference.

For small businesses entering a critical growth stage, a secured small business loan provides the capital to fuel expansion while offering lower rates, larger amounts, and more adaptable terms—helping you grow without overstretching your resources.

Secured Business Loan Application Process

1. Check your eligibility

Check the basic loan eligibility of your business and complete the application form which takes 60 seconds.

Apply now 1300 253 041
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2. Submit your application

Once you complete your application form. We get in touch to discuss your business requirement and advice the documents required.

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3. Get you approved as quick as 24 hrs

Once we get all the documents required, we login your application with the most suited lender and get the loan approval in as low as 24 hours.

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Get pre-approved without any credit checks!

Choose loan options

What are the differences between a Secured Business Loan and an Unsecured Business Loan?

Start loan application

Secured

An asset needs to be pledged as collateral.

Generally, no cap on borrowing, the loan amount depends on the value of the asset pledged.

Borrowers are at risk of losing the asset if unable to repay the loan.

Loan terms can be up to 25 years with lower interest rates.

Secured business loan may not be as quick as an unsecured business loan as the lender needs to lodge a caveat on your security before releasing the funds.

Unsecured

No need for security, no risk of losing any asset.

Can borrow up to $500,000 depending on the strength of the business and borrower’s creditworthiness.

Place more risk on lenders, as borrowers have no risk of losing any asset owned.

Loan terms are generally shorter with higher interest rates.

Quick funding possible within 24 hours

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Why choose Broc Finance for business success?

Competitive terms

We work in the best interest of our customers by getting them a business loan on most competitive terms.
- Complex deal structuring and presentation
- Team of qualified chartered accountants, CPA and finance brokers are missing.

Small business specialists

With over 15 years of experience in small business financing, we facilitate customized business financing solutions for small businesses from a suite of 90+ lenders.

small-business

Customer satisfaction

Our client testimonials speak for our service. Please feel free to view our customer reviews.

Clear communication

We understand the essence of time so don’t believe in wasting our customers time by giving false hopes. Transparent and clear communication is in our DNA.

Real results with real people.

99+ customer reviews

5.0

Aktaruzzaman Rasel

Aktaruzzaman Rasel

Thank you Neeraj Indraghanti and his team. Really apricated you help to getting the loan when we needed. We had an amazing experience with this company. We are so pleased with the service received from Neeraj. He went above and beyond to help us get out of the situation. The loan process was easy and hassle free. Looking forward to use your service in future too.
Tabitha Pomente

Tabitha Pomente

Working with Saroj and the Bronc Finance team has been an incredible experience. Their professionalism, knowledge, and support throughout the process have been outstanding. I couldn’t be happier with the service and results — highly recommended!
Don Hett

Don Hett

⭐️⭐️⭐️⭐️⭐️ Highly Recommend Saroj from Broc Finance! Saroj was incredibly helpful from start to finish. He listened to all my requirements, understood my situation, and got me the funding I needed super fast. I really appreciate how efficient and responsive he was throughout the whole process. If you’re looking for someone who actually cares and gets the job done without delays, Saroj is your guy. I highly recommend him for anyone needing funding support. A big thanks to Saroj and the team at Broc Finance for their great work. Wishing you all the best!
Mugdha Chandekar

Mugdha Chandekar

A Trusted Partner in Commercial Finance I had the pleasure to discuss with Broc Finance on a complex commercial mortgage transaction, and I can confidently say they are the experts and professinals in this space. If you're looking for a commercial mortgage broker who brings clarity, integrity, and genuine commitment to the table, Broc Finance is the one to call. Highly recommended for any business owner seeking tailored financial solutions.
Yogendra Jayadeva

Yogendra Jayadeva

Partnering with Broc Finance (and Saroj) has been a fantastic experience—seamless support, quick turnaround, and successful outcomes for even the trickiest business loan scenarios. Highly recommend them for reliable and efficient Business lending solutions!
Deepesh Parikh

Deepesh Parikh

Saroj knows his business. To the point guidance, everything from start to finish was as expected and confirmed by him. Always recommend him for sorting it your personal or business finances. Thanks a lot for all your help Saroj.
Daniel Butel

Daniel Butel

Saroj and the team are great, they are open and transparent with advice. Truly are advocates for your business and help to cut through the finance jargon that’s hard for business owners and operators to decipher
Zoltan Matrof

Zoltan Matrof

I wanted to express my sincere gratitude for your outstanding support in helping me secure finance. Your professionalism, clear communication, and dedication made the entire process smooth and stress-free. I truly appreciate your expertise and commitment—thank you for going above and beyond to assist me! World Gym Busselton

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Frequently asked questions

Applying for a secured business loan is similar to applying for other business loans. You need to enter some basis details regarding your business and submit documents as required. However, you need to carefully pick the lender who can meet your business financing requirements, are ready to use your asset as a security and can offer competitive pricing. We at Broc Finance can help you with that, you can simply apply through our website or send us a message to contact you or simply give us a call on 1300 253 041 to talk to one of our lending specialists.

The most accepted security by the lenders is a real estate property in the name of the company or the business owner/stakeholder. A few lenders also accept some other assets such as vehicles, commercial equipment, savings in the form of fixed or term deposits or gold as a security.

You are not permitted to sell the assets you pledged as a security without getting approval from the lender. In most of the cases, a lender would only allow it to sell if the security is replaced by some other form of security, or in rare instances, they consider the loan can be converted into an unsecured business loan which can be due to reduction in overall risk associated with the business.

To be eligible for a secured business loan, you need an active ABN and not necessarily be trading. The lenders access the loan eligibility basis valuation of the property and sanction a loan amount up to 80% LVR. In case you have any scenario to discuss, please reach out to us on 1300 253 041 or send us a message. One of our lending specialists would get in touch in no time to assist you

With a secured business loan, your option broadens to qualify for a business loan even if you are a startup or new business. Some of the benefits of getting a secured business loan over an unsecured business loan could be competitive in terms of rate of interest, can get higher loan amount and longer term. You may also qualify for a secured business loan with a bad credit score depending up on lenders’ credit policy and other assessment factors

There are various alternative business loan options which do not require you to be an asset owner. Some of the popular options are unsecured business loan, business line of credit, debtors finance and invoice finance facilities. Please reach out to us on 1300 253 041 or send us a message. One of our lending specialists would get in touch in no time to assist you.

Traditional Banks do offer secured business loans. However, they maintain a strict screening process for loan applications, especially those applied by small businesses, which makes it a difficult and time-consuming process for a small business owner.

Opposed to Banks, there are various non-bank private lenders and fintech companies who specialize in providing business loans to small businesses. Broc Finance is dedicated to assist small businesses with an easy and streamlined process to obtain a Secured business loan through its panel of non-bank cash flow lending partners with possibilities of financing within 24 hours. Please get in touch to know more.

Lenders are generally more lenient with secured business loans for borrowers with bad credit history as there are assets that they can use as protection. We have tie up with lenders who are happy to look at businesses who had bad credit history in the past but have robust cash flow at present. Please get in touch with us for a free consultation.

At Broc Finance, we endeavour to get the most adequate facility suitable to the business requirements of our clients. In most of the cases logged in through us, we try to get an indicative offer from the lender for our client’s consideration before proceeding with formal application and consent to credit check. This approach helps our clients to avoid unwanted rejections and credit checks which can significantly impact their credit score.

We would be happy to answer, if you have any other questions. Please contact us.

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