Secured business finance
Use security only when it improves the business-finance structure enough to justify it.
Compare property-secured and other secured business finance against unsecured alternatives on amount, term, pricing, speed and risk to the asset offered.
- Security can improve limits, term or pricing but increases asset risk
- Compare whether the property or asset being offered is proportionate to the benefit
- Do not assume secured is automatically cheaper after fees and valuation costs
Higher limitsmay be available
Longer termsdepending on lender
40+lender options
40+ lender optionsNo lender check to enquireBusiness finance from $5K
Secured vs unsecured
The right question is what you receive in exchange for the security.
| Consideration | Secured finance | Unsecured finance |
|---|---|---|
| Security | Property or other acceptable asset may be taken | May not require property security |
| Potential limit | Can be higher where equity supports the request | Usually constrained more by business cash flow and risk |
| Term | Longer terms may be available | Often shorter depending on product |
| Process | May involve valuations and security documentation | Can be simpler for eligible businesses |
Common questions
What assets can secure a business loan?
It depends on the lender and product. Residential or commercial property is common for larger secured facilities; some products may use business assets or other security.
Is a secured business loan always cheaper?
Not necessarily. Security can improve pricing, but fees, valuations, term and the overall structure also matter. Compare total cost and asset risk.
Ready to check the finance options?
Start with the amount, purpose and business profile.
GPS Finance Group is an Authorised Credit Representative (CRN 000575797) of AFAS Group Pty Ltd, Australian Credit Licence 414426. Finance is subject to lender assessment and approval. Privacy · Credit Guide · Complaints