Compare property-secured and other secured business finance against unsecured alternatives on amount, term, pricing, speed and risk to the asset offered.
A property-backed business needed a larger limit to refinance expensive short-term debt. We presented the equity position and repayment plan to a specialist lender, cutting the immediate cash-flow pressure.
| 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 |
For larger or time-sensitive business-purpose requests, property value, current secured debt, mortgage ranking and exit can materially change the available structure.
Understand first- and second-mortgage business finance, total LVR and the information a lender needs to assess the property-backed pathway.
Read the guide →Estimate additional security capacity at 65%, 70% and 75% total LVR after existing secured debt.
Check the property position →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.
Not necessarily. Security can improve pricing, but fees, valuations, term and the overall structure also matter. Compare total cost and asset risk.
Start with the amount, purpose and business profile.