Secured Loan

  • Same Day Fast Approval!
  • Loans up to $5,000,000
  • No Credit Checks
  • No Business Financials
  • Bad Credit can be Accepted

Secured Loan

BizLoansFast is the specialist in secured loans because that’s the only kind of loans we do.

You might have heard of this type of loan referred to as a bridging loan, an interest only 1st or 2nd mortgage loans or caveat loans.

If you have had a negative response when applying for an unsecured loan, and it can be for a number of reasons such as: requesting a high loan amount, having a poor credit score, owning a business that has just opened and doesn’t have a profitable track record yet, having unpaid tax debts, loan serviceability issue, or having irregular or seasonal cash flow, don’t be put off. We can still lend to you because what we use as security is real estate that you already own.

Apply for a secured loan

We are not brokering for other lending companies, we are the direct lender, with loans ranging from $20,000 and $5,000,000.  And this is why, if your loan is approved by us, we can often have the loan amount sitting in your bank account within 24 hours.

So, a couple of important things about BizLoansFast right off the bat. We have transparent, clear and upfront pricing. Of course we’re more than competitive with other similarly structured lenders but we’re not going to try to lure you in with a phony low rate like some other lenders do. The interest rate is only part of the equation. We offer super-fast service. Right from application, to approval to getting those much-needed funds in your account. There will always be a slight premium for speed and convenience, but one thing we don’t do is charge you hefty upfront fees. We charge a moderate upfront fee, (under $1000) just like any reputable lender on the market. But word of warning here, you should be very suspicious of any lender that is asking for large upfront fees to be deposited to their account during an application process, they are simply not warranted. HoemSec will never ask you to do this.

So in a nutshell, we offer three kinds of secured loans:

Caveat loans—key feature is, no repayments at all during the loan term of 1-6 months.

Business bridging loans—again, no repayments during the loan term of 1-6 months.

1st and 2nd Mortgage loans – key features being you make interest only payments over the course of the loan, and they have a minimum term of 12 months.

You just need sufficient equity in a piece of real estate and we can fund you on the loan that is most appropriate for your situation.

So, what actually do we need to get started and approve your loan? Well—that’s the easy bit!

Because we are not going to ask you to service the loan during its term, we don’t need any financial records, cash flow history or projections, or valuations on your business. All we need is for you to fill out our 60 second online application form, send through a recent copy of a mortgage statement, a rates statement and ID for anyone applying for the loan. Because you are applying for a secured loan the process is much easier. 

Over the years, BizLoansFast has rescued literally thousands of Australian and New Zealand businesses facing financial peril. We pride ourselves on being there for you in a crisis and working fast under time constraints to get the job done.

Be assured we lend for any worthwhile business or commercial investment purpose. Literally all we need to establish to be able to approve your loan is that:

  1. There is sufficient equity in the property or properties being nominated as security
  2. That there is an exit strategy in place of either, refinancing, payment from a trade debtor, or sale of property.


That’s literally it. It’s why we can forgo all the lengthy requests for financial documents you might have faced from other lenders and also how we can operate withing a 24-hour timeframe from application to deposit of funds.

If you’re reading this and are a loan broker be assured we are happy to deal with you on your client’s behalf and 100% your clients remain your clients. If your clients are looking to you for real solutions and to find a large source of funds our team is here and ready to assist.

Whether you’re a business owner, a broker or an accountant, call us today for confidential advice on 1300 852 150

Same Day Fast Approval!

  • As long as your loan is for a recognised business purpose or commercial investment, you have sufficient equity in real estate you can nominate as security, and you have an exit strategy to finalise the loan—either selling an asset, refinancing, or a major cash event in your business, BizLoansFast can approve your loan.
  • To get started now, fill out our 60 second online application, send us a recent mortgage statement, and rates notice, and your ID—or simply call us on 1300 852 150.

Loans up to $5,000,000

  • BizLoansFast are designed to meet the needs of a wide variety of business growth opportunities, emergencies and fund any amount from $20,000 to $5,000,000.
  • Whether it’s a short-term business loan (also known as a caveat or business bridging loan) or a 1st or 2nd mortgage we have you covered.
  • If you’ve been knocked back by traditional lenders, for any number of reasons, contact BizLoansFast and experience a market leading, fresh, innovative approach to funding your business needs.

Frequently Asked Questions

What do you need to consider when looking for a business loan?

The speed with which a loan will be approved, and funds deposited into your account. BizLoansFast can complete this process in 24 hours.

How much documentation will you have to provide and what will be the cost of sourcing it? Paying valuers to conduct costly valuations on your business and having your accountant generate and collate numerous financial statements, cash flow history reports, and asset and liability statements just to apply for a loan is costly and inefficient. All BizLoansFast needs is a rates notice, a recent mortgage statement, your ID, and our 60 second on-line application filled out and we get to work approving your loan.

Traditional bank Loans vs Online business loans

With bank loans you can often be looking at lengthy approval and loan processing times. They make it clear from the outset you will be operating on their timeframes, not them reacting to your needs. They often request an onerous amount of documentation? They snail mail contracts back to you, taking 2-3 days? They send cheques or deposit funds via internet transfers that take time to clear? Banks were born centuries ago and some still operate like they’re still there!

With an online business loan from BizLoansFast approval letters on loans are issued in 2 hours via email! Once accepted we issue loan contracts in 4 hours! No property or business valuations, no tax returns, no financial records required from you. Once approved your funds are transferred to your account immediately! Our whole process takes 24 hours from start to finish, and our consultants keep you, informed at every moment of the process—we’re here for you—not the other way around!

Simplifying the business loan application process

At BizLoansFast we think we’ve made our loan application the simplest and easiest to complete in the industry. Because we only secure your business loan against real estate you already own and you don’t make any payments on the principal loan amount during the term of the loan, we don’t need multiple statements and records regarding your business. We understand that what you need to focus your time on is your business and not completing lengthy loan applications.

Literally all you need to get a BizLoansFast loan application underway is to either call us on 1300 852 150 or:


  • Fill out our 60 second on-line application
  • Send us a rates notice
  • Send us a recent mortgage statement for the property you are nominating as security for the loan
  • Send us the ID of anyone applying for the loan.
Fast business options to meet quick business needs

In business, speed and efficiency can be everything. Often business owners need to pivot, be nimble and act decisively. Sometimes this means having medium to large amounts of funding at your fingertips to take advantage of a commercial opportunity or avert a cash crisis.

Super-fast service understandably comes at a premium, and at BizLoansFast we recognize you are coming to us for a time effective solution, not just a rate.  We have a variety of loan structures to suit your needs. Whether it be a short term business loan, (also known as a caveat or bridging loan) or a fast second mortgage loan. Our team will react to your application and can pre-approve funding in 2 hours, we can email loan contracts in 4 hours, and have funds in your account RTGS payment instantly. We’ve built our reputation on efficiency and speed of service and will find you a solution to meet your timeframe.

Hide and seek with hidden fees

At BizLoansFast our upfront fees are low, and we are transparent in disclosing them. We are not here to waste your time promising you the world as some other lenders do, and then request high fees be transferred to their account before they fund your loan. You should be extremely wary of any lender requesting this, as the costs of processing a loan application just do not warrant it.

Any fees associated with your loan are clearly shown in simple language and you will know exactly what they will be.

BizLoansFast is a founding member of A.S.T.L.A the Australian Short Term Lenders Association and adhere strictly to fee disclosure charters we helped draw up. When borrowing money short term, we advise you only deal with an accredited member of A.S.T.L.A.


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