Secured Business Loans in Commercial Lending
Secured Business Loans in Commercial Lending
Up to $7.5M available
Simple, fast business loan application
Flexible business lending terms and conditions
Private lending group helping small Australian businesses thrive
Aquamore’s secured business loan team is dedicated to supporting Australian business owners with the funding to take their sole trader operations, partnership or company to new heights. As a specialist commercial lender, the company is renowned for providing quick business finance from $300K to $7.5M.
Benefits of Secured Business Finance
A secured fast business loan could be just what you are looking for to raise the capital you need – from covering a funding shortfall to buying new equipment or even financing growth.
Quick business loans secured against property can be a great option for freeing up equity trapped in assets owned by a business. Funds can then be reinvested or used for other operational expenses or growth opportunities.
Get exclusive access to competitive secured commercial loans by borrowing against your company’s real estate assets.
Reasons to Apply For Secured Business Lending
Some of the reasons clients apply for an Aquamore fast-secured business loan include:
- Boosting cash flow to cover unexpected costs or kickstarting R&D
- Having additional funds on hand to invest in marketing for a product launch
- Purchasing new plant and equipment
- Securing more inventory to ensure seasonal demand is met
- Easing the financial burdens due to economic factors, seasonality, or overdue accounts receivables.
Why Aquamore For Secured Commercial Loans
- Generous lending – amounts from $300K to $7.5M.
- Competitive rates – Aquamore can offer you the best-secured business loan rates if you own property as a company asset.
- Flexibility – we consider personal guarantees on privately owned assets to help you secure the finance you need.
- Speed – our online application is simple and intuitive. Our lending team works to approve applications extremely quickly.
- Easy – we want to make it as easy as possible for Australian businesses to thrive. Low credit ratings and other challenges are not necessarily obstacles for us. We keep an open mind and consider each application on its own merits.
- Integrity – founded in 2016, Aquamore is considered as one of the best private lenders in Australia. Our nationwide team is dedicated to providing Australian small and medium businesses with secured business loans, secured commercial loans, and other alternative funding options that support their individiual requirements.
How secured business finance works
Secured business loans are often the best funding option for businesses needing quick cash injection. Because these loans are secured against your business assets, such as the equity in your property, the lender will have the right to repossess your assets if you cannot meet the repayments.
However, as opposed to unsecured loans, secured loans usually have more favourable interest rates because the loan is less risky for the lender. Secured business loans can be especially useful for business owners with a poor credit history. They’re also a great option for those who are just starting out and don’t meet the eligibility criteria for a typical bank loan. It’s also worth remembering that traditional lenders are notorious for having an onerous and time-consuming application process, which is far from ideal if you need funding quickly.
At Aquamore, we’re here to make obtaining secured business loans as straightforward as possible. We take the time to understand your needs and, after determining the value of your assets, we’ll calculate fair interest rates and repayment terms for you. In many cases, we don’t need to dig deep into your credit history to determine your eligibility. That’s because our high-value and straightforward loans are secured against your property assets.
To begin the application process, your finance broker will need to provide us with a few details, such as the estimated value of your assets, how much you need to borrow, and how quickly you can repay the loan.
A secured business loan enables companies to obtain funds by providing assets owned by the company as collateral against the loan. This type of loan is also commonly known as a secured commercial loan or asset-backed financing.
By securing the loan against collateral, the lender can offer more competitive rates and longer terms compared to an unsecured loan, due to the corresponding risk.
As mentioned above, unlike your typical lender, Aquamore requires property owned by a business to be used as collateral for a secured business loan. Assets such as inventory, motor vehicles and trade equipment and machinery will not be considered an accepted form of collateral. Similar to a mortgage application, an expert valuation will be required to confirm the value of the assets.
Aquamore has a strong industry reputation for acting quickly and providing an efficient, streamlined experience from approval to loan disbursement. If you’d like to know more, ask your finance broker to apply now or call 02 9258 8888 today.
Yes, we do provide funding for some businesses with impaired credit ratings. Aquamore is different from your big banks and other lenders – we follow a pragmatic and logical approach to lending in order to help everyday Australian businesses succeed. As such, we are more than happy to speak with businesses who require secured business loans despite an affected credit rating. We encourage you to ask your finance broker to give us a call on 02 9258 8888 to get your business loan application started with us today.
Secured loans are an increasingly preferred alternative when large-ticket funding is required quickly. Secured loans come with far fewer risks for lenders. The amount you can borrow is based on the value of your business assets (the equity in your property, in most cases).
Loans are secured against your assets. At Aquamore, we use the value of your business assets to determine how much funding you can access, and we can adjust loan terms on a deal-by-deal basis. We’re able to provide loans worth up to 75% of the value of your residential houses, 70% of commercial or residential apartments, or 55% of land holdings. At this time, we don’t secure loans against industrial, farming or other specialised assets, and we give preferential rates on loans secured against your first mortgage. If you need a quick cash boost and can repay the loan in instalments over the space of three to 24 months, find out how we can help.
At Aquamore, our minimum small loan size is $300,000, which you could use to manage cash flow or cover unexpected costs. However, if you need a larger cash injection, we can provide loans worth up to $7.5 million, which could be enough to pay for your entire development. This is a stark difference to the general lending landscape In Australia, where a small business loan is typically anywhere between $5,000 and $500,000, with the average being around $30,000.
Depending on the lender, it can take between three to six weeks to obtain a secured business loan. But not at Aquamore. If you need a cash injection and simply can’t afford to wait weeks or even months for your money to arrive, you should give our experts a call. We believe our application and approval process is the most straightforward and efficient of any private loan lenders. We also offer flexible repayment terms based on your unique requirements.
