Can I Get a 6–12 Month Business Loan Secured by Property?

Quick answer: Potentially. A 6–12 month property-backed business loan can suit a defined business-purpose bridge where the borrower has suitable Australian property security and a credible repayment event inside the term. The lender will focus heavily on total LVR, timing and the exit.

Property-security filter: This page is about business-purpose finance backed by Australian real property. If there is no suitable property available as security, this particular funding pathway will generally not apply.

Questions behind this page

• I need a private lender for around 12–18 months — is that possible?

The term should match the event

If the expected repayment event is six months away, a 36-month facility may be unnecessary. If the exit realistically needs 18 months, pretending it will occur in six creates maturity risk.

Short term is not automatically cheaper

A shorter term can still carry substantial establishment, legal, valuation and monthly interest costs. Compare total dollars through the realistic exit date.

Ask what happens if the exit is late

Extension rights, default pricing and maturity provisions matter because even credible exits can be delayed.

What GPS Finance needs to test a scenario

• Australian property offered as security
• estimated property value and current secured debt
• amount required and business purpose
• whether the proposed facility is first or second ranking
• required timeframe
• proposed exit or repayment strategy

Ask GPS to review a property-backed business scenario.

Related guides

• Property-backed business finance
• Second mortgage business finance
• Bank funding shortfall
• Short-term property-backed finance

Sources and verification

• PropertyChat — private lender 12–18 month request

General information only. Business-purpose property-backed lending, private lending, first and second mortgage availability, valuation, pricing, fees, security priority, consent requirements and exit criteria vary by lender and transaction. This is not legal, tax, accounting or personal financial advice.