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  • Last Updated: 19 May 2026

Secured Loans in Australia

Access larger loan amounts and lower rates by using property or assets as security.

  • Borrow more with property or asset backed lending, up to $50 million*
  • Access lower rates compared to unsecured loans
  • Get longer terms for your loan
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How to Apply for Rent to Own with Dark Horse Financial

1

Contact Our Team

Fill out our online form to apply for a secured loan. We’ll get in touch with you fast to understand your situation and make a recommendation.

2

Submit Application

We’ll expertly handle your application from start to finish. Some lenders can approve secured loans in a few days up to a few weeks.

3

Get Funded

Once approved, documentation is signed electronically, making settlement fast. Once settled, the funds will be disbursed to your account.

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What Is a Secured Business Loan?

Secured business loans require an asset, such as property, vehicles, or equipment, as security. By pledging an asset to secure the loan, you help lessen the lender’s risk, allowing you to access:

  • Higher loan amounts to fund major investments.
  • Lower interest rates for cost effective borrowing.
  • Flexible repayment terms that suit your cash flow.
  • Extended repayment terms for long term borrowing and smaller repayments.
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What Can You Do with a Secured Small Business Loan?

Secured loans for business can be used for a variety of purposes, including:

Business Expansion:

Use secured lending to raise capital for opening a new location, entering new markets, or expanding operations.

Purchase Equipment:

Invest in new machinery or technology to improve your productivity and efficiency.

Purchase Property:

Buy commercial property for your business, like an office, warehouse, clinic, and more.

Consolidate Debt:

Use a secured loan to consolidate existing high-interest debts for better financial management.

Renovate or Upgrade Facilities:

Use secured loans to get funding to renovate your business premises to enhance customer experience or expand capacity.

Pros of Secured Loans

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Lower Interest Rates

One of the most significant advantages of secured loans is typically lower interest rates compared to unsecured loans. By providing security, businesses reduce the lender’s risk exposure, which typically translates into more favourable interest rates. This can result in substantial savings over the loan’s lifetime, making secured loans an attractive option for businesses seeking to minimise borrowing costs.

Higher Loan Amounts

Secured loans often allow businesses to access larger loan amounts depending on the value of your property. Lenders can be more willing to extend higher credit limits when they have security backing the loan. This can be particularly beneficial for businesses seeking substantial financing for major investments, expansions, or acquisitions.

Longer Repayment Terms

Secured loans frequently offer longer repayment terms, enabling businesses to spread out their loan repayments over an extended period. This can be advantageous for business cash flow.

When To Use A Secured Vs Unsecured Loan For Business

How do I know if I should use a secured loan or unsecured loan?

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When to Use a Secured Loan

  • Purchasing vehicles or heavy machinery
  • Buying or refinancing commercial property
  • Funding business expansion or acquisition
  • Large capital investments requiring long repayment periods

Secured loans are long-term solutions that support strategic business growth and stability.

When to Use an Unsecured Loan

  • Covering short term cash flow shortages
  • Paying suppliers or contractors
  • Managing seasonal revenue fluctuations
  • Investing in marketing or inventory
  • Taking advantage of time sensitive opportunities

These loans are designed for flexibility, helping businesses maintain operations and seize growth opportunities without the need for security.

Can You Get Secured Business Loans with Bad Credit?

You can still get secured business loans even if your credit score isn’t perfect. Offering assets as security lessens lenders’ risk, making them more willing to work with you. We connect with a diverse network of lenders who can offer secured business loans, even for those with poor credit.

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Frequently Asked Questions

The amount you can borrow depends on the value of your security. Secured loans can go up to $50 million. For property, many lenders fund a percentage of the property value after considering any existing loans. Your income or business cash flow must still support the repayments, particularly for longer term facilities.

The main difference is that a secured business loan requires security, while an unsecured business loan does not require security like property. This often results in secured loans having lower interest rates and higher borrowing amounts.

You can use any tangible asset, like real estate, vehicles, business plant and equipment, or other valuable property. The type and value of the security will help determine the loan amount and interest rate.
Approval times can vary depending on the lender and how long the valuation takes. Due to this, secured business loans can take a bit longer than unsecured loans. Approval can take from a few days to a few weeks. However, we work with a wide network of lenders to ensure we can meet your timeline requirements.
Secured loan terms vary widely depending on the purpose and lender. Short term private lending may range from a few months to a few years, while bank loans secured by property can extend over much longer periods.
Secured loans are commonly used to refinance and consolidate existing debts. This can include unsecured loans, credit facilities, or tax debt. Refinancing into a secured structure can reduce repayments and simplify your finances.

Interest rates depend on the type of security, your financial position, and the lender. Secured loans usually attract lower rates than unsecured loans. Rates can start at 6% p.a. and go up to 15%. Riskier scenarios (like bad credit borrowing) typically come with higher pricing.

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