A secured business loan uses property, vehicles, equipment, receivables or other acceptable security to support the facility. It may help with larger borrowing amounts, longer terms or sharper pricing where the business can service the debt.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
The right structure depends on purpose, timing, repayment source, security and lender policy.
Uses residential or commercial property security where appropriate and available.
The financed asset can sometimes support the loan structure.
Equipment finance →Some facilities use business assets, invoices or other security arrangements.
Security can include real property, business equipment, vehicles, receivables, stock, PPSR registrations or a combination of assets. The lender decides what security is acceptable for the risk.
A lender still needs to see that the business can repay the loan. If cash flow is weak, more security may not solve the application.
Secured loans may offer larger limits or longer terms, while unsecured loans may be faster and simpler for smaller amounts. The better option depends on urgency, amount, asset position and risk appetite.
We keep the process practical: match the need, prepare the evidence, then approach suitable lenders only if you choose to proceed.
Share the amount, purpose, timing, trading history and any existing lender or ATO pressure.
We compare whether a term loan, overdraft-style facility, line of credit, invoice finance or asset facility is a better fit.
We organise the documents a lender is likely to request so the first read is clear and complete.
We explain structure, repayments, fees, security and conditions before you decide whether to proceed.
It is a business loan supported by acceptable collateral such as property, vehicles, equipment, receivables or other business assets.
It may be cheaper than an unsecured loan, but pricing depends on the lender, security, cash flow, term, amount and borrower profile.
Sometimes. The asset type, age, value, condition and resale market all affect whether a lender will rely on it.
Often, yes. Many business lenders require director guarantees even where assets are also taken as security.
Yes. GPS Finance can help compare the trade-offs before a formal lender enquiry is made.
Tell us what you are trying to fund and what has already happened. We will help you work out the next sensible step.