Secured Business Loan

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

However, there are few secured business loan products where you don’t require to be trading for a minimum period or generating any revenue. In case you are a start-up business or planning to start/buy a business without any trading history or revenue stream, please contact us to discuss your scenario and find the best suited business loan product for you.

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.


Unsecured Business Loan Application Process

your eligibility

Check the lending criteria and loan eligibility of your business.

Application Submission

Submit your application with the required documents. Once you complete your application form. We will get in touch to discuss your business requirements and advise on the documents required.

Get Approved In As Quick As Within 24 Hours

Once we get all the documents required, we log in to your application with the most-suited lender and get the loan approval.

Get Pre-Approved without any credit checks!

Critical Information Sheet

Borrowing Limits
Loan AmountStarts from $20k
TermUp to 25 years
Can be used for
  • Buying/investing into new business
  • Buying Equipment
  • Developing properties
  • Disposing residual stocks
  • Other working capital needs
RepaymentsPrincipal and Interest/ Interest Only/ Bullet repayment
SecurityRequired with funding possibilities up to 80% Loan to Value ratio
Pre-Approval Time24 – 48 hours
Unconditional Approval and Settlement Time3-7 days
Documents required
  • Valid identification proof
  • Security Details
  • Exit Strategy
  • Others depending upon loan product
Interest RatesStarts from 7.99% p.a.
  • 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

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.

Vehicle and Equipment Finance

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

Property Loans

Property loans are taken against the value of the property.

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:

Business Loans to Suit Your Needs

When looking for a financing option, you could find yourself drowning in a sea of information online, unsure of which business loan is appropriate for your company. We have collected a list of some flexible business loans that give business finance that is most suited to your needs to save you time.

These loans are apt for small businesses that generally require quick hassle-free funding with the least documentation.

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

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

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.

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



Secured Business Loan Application Assessment

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

Value of Security

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.

Exit Strategy

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.

Financial strength

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

Secured Business Loan

Unsecured Business Loan

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.

Why Broc Finance

Small Business Specialists

With over 15 years of experience in small business financing, we facilitate customised business financing solutions for small businesses from a suite of 50+ lenders and 100+ products.

Competitive Terms

We work in the best interest of our customers by getting them a business loan on most competitive terms.

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.

Secured business loans in Australia are a versatile and practical financing solution for a wide range of businesses. Whether you’re an established business looking to expand or a new venture seeking initial funding, these loans offer a solid foundation to grow and succeed. With tailored options and expert guidance from lenders like Broc Finance, securing the right business loan for your needs is more accessible than ever.

What Our Clients Say

Based on 46 reviews
Ajay Kanumuri
Ajay Kanumuri
I would strongly recommend. Saroj Shah helped to get my loan with in span of three days. He was very supportive and clearly explained the loan process.
Abhishek Chhugani
Abhishek Chhugani
Wonderful service by Saroj. Took care of my requirements for business loan. Turnaround time from application to disbursement was 2 days.
Atulkumar Patel
Atulkumar Patel
I don't want to miss this opportunity to say About Saroj Work that he just made it impossible job into possible , I have got loan of 1.5 million event though I have very low credit score . Great work , and highly recommend for any kind of loan issues.
jas singh
jas singh
Great services, great effort by Saroj.
Michael Banabakis
Michael Banabakis
Easy to deal with and nothing was a problem!!
Liesel Collings
Liesel Collings
The broker was super helpful and understanding. He knew I needed the loan in a rush and got me the best deal possible.
Aghar Tefera
Aghar Tefera
Fantastic service!! Very nice & helpful staff!! I had the best experience and got things done promptly and professionally! Thank you Broc Finance 😊!!
Nejatali Rotivand Ghiasvand
Nejatali Rotivand Ghiasvand
Very professional and always there to help you
Khanyi Moyo
Khanyi Moyo
Thank you. This was a great experience with a team that takes time to ask what your needs are then help you find the best deal.
Mai Yang
Mai Yang
Absolutely wonderful service! Saroj was amazing with keeping us up to date with our loan application which was approved quickly without any hassle. I would definitely recommend Broc Finance!

FAQ's About Secured Business Loans

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.

We will work with you

to overcome approval related hurdles

by getting your asset finance, property finance and unsecured business loans, without the frustrations of the bank process.