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Secured Business Loans

Easy Application.

Apply over the phone in under 10-15 minutes with no application forms. Approvals generally take 2-24 hours.

Flexible terms.

We offer repayment terms of 3 - 36 months, with the freedom to pay out your loan early and save on interest.

High Approval Rates.

Our one to one approach and pre-approval process guarantees a high success rate. Settlement in under 5 days.

We understand the changing finance needs of business.

Even when business is going great, sometimes you might find yourself in need of extra funding for things like:

Extra Working Capital

Funds to purchase a certain piece of equipment

Caught short on the deposit to settle a property

Or even if you need to sort out an ATO debt fast

Purchase additional stock

Fund any legal battles or legal settlements

Payout all your creditors

Settle default judgements

Starting a new business

Buying out your business partner

Refinance current private loan

Complete a partially completed property

Consolidate business debts

Our Solutions

1st Mortgages

Commercial loan to your business as a 1st mortgage on your property. Normally paying out the current 1st mortgage, or on a property with no current mortgage.

2nd Mortgages

Commercial loan to your business as a 2nd mortgage on the remaining equity after the primary mortgage on your property.

Caveat Loan

A registered caveat provides a very quick form of security so that we can fund you within hours. This is used in very urgent funding cases.

Developer Funds

For development project loans, $1M to $100M. Terms up to 24 Months. 
Smaller loan sizes available using other products.
Know More
When you need funds quickly, there's nothing worse than having to go through the long, painful process of bank applications and financial approvals. Even then, many solid businesses still won't get approved (and often for the silliest of reasons). 

If you have a Pty Ltd company and have property with equity that's available for use as security, we could be able to help even if the others can't.

With just a quick discussion over the phone we can give you a clear yes or no decision. We wont keep you hanging.
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Loans of between $20k and $20M, without the hassle of dealing with the banks

What can I use as security?

Generally, we lend against Residential, Commercial, Industrial real estate that has sufficient equity available.

up to
80% LVR
RESIDENTIAL
up to
75% LVR
COMMERICIAL
up to
70% LVR
INDUSTRIAL
up to
65% LVR
RURAL

*The above is a general guide, however we consider each application on a case by case basis. We have been able to lend more than this guide, based on other strengths of the client and if we are satisfied with the business strategy to pay the loan back.

Am I Eligible?

Getting finance for a business can be difficult, which is where we come in. Our professional staff are here to help you, 24/7.

Offer provided to you in as little as 1 hour

Loan amounts from $20k to $20M

Funds provided/deal settled within 48 hours if necessary

Defaults & arrears accepted


​With many of our loans we don't require the tax returns of the company

No hidden Charges

We can lend Australia-wide


​Fund business Capital for your business fast with a 1st or 2nd mortgage

Request a Quote

Contact

Martin Place Sydney
Phone:  1800958400

 www.smelend.com.au