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

How to Apply for Rent to Own with Dark Horse Financial

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.

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.

Get Funded

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

Rated by Our Clients on Google

      EXCELLENT  
   Based on 24 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Jordan Bella 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff worked tirelessly to get an equipment finance and overdraft facility in place for our growing business under some very unique & challenging circumstances after we'd previously been pushed away by our banking partner. Working with the DHF team was seamless!
  
 
      Posted on Google  
   
   Finnen Electrical 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Dark Horse Financial were fantastic to deal with when helping me organise finance for my business. Jeff was an absolute dream to work with, no problem or issue was ever too big, and he made everything happen quickly and smoothly. What I thought might take weeks was sorted in a matter of days, and the finance itself was approved within a day. I’ve used plenty of finance companies and lenders before over the years, but the service from Dark Horse Financial is second to none. I’ll definitely be sticking with them from now on. Highly recommend Jeff and the team.
  
 
      Posted on Google  
   
   Ainsley Bennett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff and his team have been a fantastic help to us. His prompt service and wide array of knowledge in the financial sector has made our dealings very easy. Thanks Jeff!
  
 
      Posted on Google  
   
   Rhys Gorman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend working with Jeff for any financial needs for your business - I wish I had have engaged him years ago. He takes a huge amount of the stress away from dealing with banks and lenders and simplifies what can be a very convoluted process. His proactive, professional, and caring approach has served me and my business extremely well and there is no one else I would turn to for our lending needs in the future other than Jeff.
  
 
      Posted on Google  
   
   Michael Starke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff was exceptional in his communication and guidance throughout the entire process. He secured a credit facility for our startup when others couldn’t, demonstrating his expertise and dedication. We’re excited to continue working with Jeff as our business grows and our needs evolve.
  
 
      Posted on Google  
   
   Michelle Reeves 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff made the impossible possible! Highly recommend Darkhorse for your finance needs. Wonderful service.
  
 
      Posted on Google  
   
   Scott Doran 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Jeff, and I couldn't be more impressed. As a finance broker, he was extremely helpful throughout the entire process. His communication was clear, timely, and thorough, making everything so much easier to understand. He took the time to explain all my options, ensuring I was well-informed every step of the way. I felt confident and supported in his hands. I will definitely be using Jeff again in the future and highly recommend his services to anyone looking for expert financial advice!
  
 
      Posted on Google  
   
   Henry Friend 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff is our one stop shop for all lending/debt services. I would highly recommend Dark Horse!
  
 
      Posted on Google  
   
   Roger Muliaina 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with the result achieved. Jeff was supportive optimistic and very clear on the approach which I appreciated. True processional, punctual in his correspondence and genuinely cared about our situation. Cannot recommend him enough.
  
 
      Posted on Google  
   
   Gareth Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff was professional helpful and efficient. I called him and had an overdraft facility sorted within 24 hours.

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.

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

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?

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.

Frequently Asked Questions

How much can I borrow with a secured loan?

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.

How does a secured business loan differ from an unsecured business loan?

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.

What assets can I use as security?

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.

How long does it take to get approved for a secured business loan?

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.

How long are secured loan terms?

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.

Can I refinance existing debt with a secured loan?

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.

What interest rates apply to secured loans?

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.