Higher borrowing amounts
Backing the loan with an asset lets lenders extend far larger sums than an unsecured facility.
108 reviews 5.0
Secured business loans. Think bigger.
Give your growth plans a clear funding path. We’ll search our 80+ lender panel for suitable secured loans and explain the costs and security requirements.
- Funding for a range of business needs
- Eligible business or property security
- Loan terms and costs explained
What have you got planned?
Let’s help you fund it.
A secured loan suits the larger, longer term moves. Businesses use it to fund:
Buying or fitting out new premises
Major expansion and new sites
Large equipment and machinery purchases
Acquiring another business
Substantial working capital injections
Refinancing and consolidating business debt
Property improvements and developments
Funding a large, planned growth project
What the funding can be used for
The purpose and timing of the secured business loans requirement help determine the amount, repayment period and facility type that may fit.
- business expansion
- large equipment projects
- refinance
- working capital
- property-backed funding
- acquisition support
How the finance can be structured
These terms describe how secured business loans can be accessed and repaid. We explain which features apply to each compared option.
- property security
- asset security
- term loan
- interest-only period
- principal and interest
- registered mortgage
Documents that show the business can repay it
These records connect recent trading and existing commitments with the cash expected to meet the secured business loans repayments.
- property details
- valuation
- financial statements
- BAS
- bank statements
- loan schedule
- contracts
- cash-flow forecast
Have something in mind? Let’s talk finance.
Get my free quoteBusiness loan.
More options. Less legwork.
When the plan is bigger, a premises purchase, a major expansion, a large equipment order or a serious working capital injection, a secured business loan lets you borrow more, for longer, and usually at a sharper rate. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to place a secured finance option that matches the size of the move.
Sharper rates
Security lowers the lender's risk, and that usually flows through to a keener interest rate.
Longer terms
Spread repayments over a longer period so a big ticket purchase sits comfortably in cashflow.
Why choose X Lend for business loan?
Secured means the loan is backed by an asset, commercial or residential property, or business assets you already hold, which gives lenders confidence to lend larger amounts over longer terms. That security is what brings the rate down and the borrowing capacity up compared with an unsecured finance option.
Because we compare the whole panel, we can weigh which lenders value your security most generously and structure repayments around how your business actually trades. We explain the rate, term and what's being secured in plain English, and only submit once you're ready.
80+ lenders, one application
We compare banks and specialist nonbank lenders to see who values your security most.
Property or business assets
Secure against commercial or residential property, or against assets the business already owns.
Structured around your trade
Repayments and terms matched to the timing and source of business income.
Security changes what's possible: pledging property or business assets typically unlocks higher amounts, longer terms and sharper rates than an unsecured loan, ideal when the funding need is substantial and you want repayments spread out.
Work out your repayments.
Then find your finance.
Try an amount and term for your business loan. When you’re ready, we’ll compare the options available to you.
Business loan repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The business carried three short-term loans with high weekly repayments and also needed additional funds to refurbish its existing office.
Secured business loan · Sydney, NSWThree weekly business loans replaced with one monthly repayment
Approved on the first lender enquiry and settled at a historical rate of 10.2%. Three weekly repayments became one monthly repayment and $35,000 was released for the refurbishment.
- 8 business days turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for business loan. Your broker helps you prepare the application.
What do lenders look at for business loan?
A secured business loans assessment connects the business purpose and timing with recent trading, existing commitments and a credible repayment source. The sections below show the structures and records relevant to that decision.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for business loan, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include buying or fitting out new premises.
- 02
We do the lender research
We help organise property details and valuation and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange business loan, with a broker to explain your options.
The decision should identify exactly what is secured, whose asset it is, how it is valued, which guarantees apply and how release works at the end.
Security and purpose are separate questions
An asset may support the loan even when the funds are used elsewhere in the business, subject to policy.
Valuation can limit capacity
Lenders apply acceptable-security rules and lending margins to the asset's estimated value.
Guarantees can extend personal exposure
Directors and asset owners should read and understand every guarantee and security document.
Exit and release should be planned
Understand payout, early-repayment costs and the process for releasing registered security.
How to match repayments to business cash flow
Security can support larger limits or longer terms. The repayment still needs to fit verified business cash flow and the customer's complete commitments.
A week-by-week secured business loans forecast can place wages, supplier bills, tax, expected receipts and the proposed repayment on one timeline. This exposes the peak cash requirement and its expected repayment source.
When contracts and recent trading records help
For secured business loans, signed contracts, customer orders, aged receivables and payment schedules can show the amount and timing of expected revenue. Heavy reliance on one customer may need further explanation.
Recent bank statements, BAS, internal accounts and accountant information can support a secured business loans assessment when the latest annual financial statements no longer reflect current trading.
What should I have ready before applying?
- Identify every proposed security asset and owner.
- Read guarantees and security documents.
- Compare fees and total cost as well as rate.
- Plan how the facility will be repaid or refinanced.
How we can help.
Illustrative examples of how we approach business loan.
Expansion supported by property equity
The business has a clear growth project and available property equity.
How your broker helps
We separate project costs, working capital and contingency, then compare secured structures with a term aligned to the benefit period.
What to have ready
Property details, project budget, financial statements and forecast.
Consolidating several business facilities
The business has multiple loans with different repayments and security positions.
How your broker helps
We create one liability and security schedule and compare the proposed total cost and cash-flow effect.
What to have ready
Statements, payout letters, security documents and financial accounts.
Contract-backed capacity increase
A new agreement requires more staff, stock or equipment before revenue begins.
How your broker helps
We link the finance option amount to the mobilisation calendar and assess security alongside the contract cash flow.
What to have ready
Signed contract, milestone payments, cost budget and asset details.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With business loan
Use business loan for a suitable operating cost, growth opportunity or timing gap.
Assess whether business loan preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the business loan facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to business loan may be missed when funds are not available at the required time.
The cash-flow pressure business loan is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using business loan can leave less capacity to absorb an unexpected expense or slow month.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
business loan.
Your business loan questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your secured business loan with the best fit.
What can I use as security?
Commonly commercial or residential property, or business assets you already own such as equipment. We match the security you can offer to the lenders who value it most.
Why choose secured over unsecured?
Offering security typically unlocks higher amounts, longer terms and sharper rates. It suits larger, planned funding needs where you want repayments spread over time.
How much can I borrow?
That depends on the value of your security, your turnover and trading history. Because we compare 80+ lenders, we'll give you a realistic figure before you apply.
Does securing the loan slow things down?
There's usually a valuation and security step, so it can take a little longer than an unsecured loan. We manage the process and keep you posted at each stage.
What brands, models or purposes can business loan cover?
Common examples include business expansion, large equipment projects, refinance, working capital, property-backed funding, acquisition support. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support business loan?
A lender may ask for property details, valuation, financial statements, BAS, bank statements, loan schedule. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex business loan application?
For business loan, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Secured vs unsecured business loansBusiness lines of credit explainedBusiness finance with a new ABNBusiness loan eligibility checkerBusiness loan calculatorBusiness cashflow calculatorCommercial property LVR calculatorManufacturing financeConstruction and trades financeProfessional services financeCashflow financeBusiness lines of creditInvoice finance
Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — apply for a business loan
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026