Unlock Capital. Accelerate Growth.

A Secured Business Loan transforms your company’s existing assets—such as commercial or residential property—into substantial, cost-effective funding for growth. By offering security, your business benefits from higher borrowing limits, market-leading interest rates, and flexible repayment arrangements beyond what unsecured loans can provide.

Finco Capital partners with major banks and leading non-bank lenders to design facilities precisely tailored to your long-term objectives and operational requirements.

At a Glance

Borrow up to $25,000,000
Highly competitive interest rates
Extended repayment terms—up to 30 years
Flexible capital for nearly any business purpose

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Why Choose a Secured Business Loan?

Position your business for expansion, acquisition, or investment with a loan that minimises borrowing costs and maximises cash flow flexibility.

Key Benefits:

Lower Interest Rates: Benefit from lender confidence and enjoy rates starting from 5.69% p.a. fixed and 5.64% p.a. variable for qualifying borrowers.
Higher Borrowing Limits: Gain access to loan amounts up to 80–95% Loan-to-Value Ratio (LVR), driven by your asset’s worth.
Longer Repayment Schedules: Standard terms up to 30 years (some non-bank lenders offer up to 40).
Strategic Asset Utilisation: Unlock capital from owned real estate or equipment—fuel significant growth while maintaining business equity.

Eligibility & Security Criteria

Every facility is meticulously matched to your asset profile and business goals. Lenders typically request:

Proof of Asset Ownership (titles, deeds, proof of purchase)
Independent Asset Valuation
Disclosure of existing claims or liens
Insurance confirmation
Evidence of income and loan serviceability

Frequently Asked Questions

What assets can I use as security?

Commercial or residential property, equipment and machinery, vehicles, and other high-value business assets.

How much can I borrow?

Typically up to 80–95% of the asset’s value, with maximum amounts reaching $25 million.

What are the main advantages?

Access to larger funding, lower interest rates, and extended terms—enabling ambitious business projects.

Disclaimer
The loan amounts, interest rates, fees, and terms mentioned are for informational purposes only and are based on product data available as of July 2025. All figures are indicative; final approved loan amount, interest rate, and terms are subject to the lender's full credit assessment.