Secured Business Loan
Non-bank business funding secured by real estate — larger loan amounts, sharper pricing and settlement often within 5 working days.
Put your property to work for your business
A secured business loan uses real estate as security, which lets us lend larger amounts and offer more competitive terms than unsecured finance. Apple Finance and its partners have provided this kind of funding for more than 25 years.
Because we are a non-bank lender, we assess the deal on the strength of the security and your exit strategy — not a rigid checklist. If the deal stacks up, we will stretch the LVR.
24h
Term sheet issued after loan approval
Why choose this facility?
Every deal is assessed on its merits — the security, the numbers and your exit — not a rigid bank checklist.
- Larger loan amounts secured by real estate
- Flexible LVRs — if the deal stacks up, we stretch
- Nation-wide network of valuers ready to be on site
- Term sheet within 24 hours of approval
- Funds paid within 48 hours of meeting conditions
- Friendly funder who understands the rough patches
What businesses use it for
Business acquisition
Buy a business or buy out a partner.
Expansion
Fund a new site, fit-out or major equipment.
Refinance
Consolidate debt or refinance out of a bank.
Tax & ATO debts
Clear obligations and restore cash flow.
Our 3 step funding system
With our 3 step funding system we often settle deals within 5 working days for non-bank funding.
Enquiry
Contact us to discuss the loan scenarios: loan amount, property and exit.
Approval
Apple Finance will issue a term sheet within 24 hours of approving the loan. The term sheet sets out the key terms of the loan.
Settlement
Apple Finance to complete any outstanding documents review and submit the loan agreement. Funds are paid within 48 hours upon satisfying the loan conditions.
Frequently asked questions
Residential, commercial and industrial real estate can generally be offered as security. Each deal is unique, so contact us to discuss the property, the loan amount and your exit.
We are flexible with LVRs. Each deal is assessed on its merits — if the deal stacks up, we will stretch the LVR.
We issue a term sheet within 24 hours of approving the loan and pay funds within 48 hours of the loan conditions being met. We often settle deals within 5 working days.
Our valuation process is drastically shortened thanks to a nation-wide network of valuers who are ready to be on site.
Your exit is how the loan will be repaid — for example by sale of a property, refinance to a bank, or business cash flow. A clear exit is one of the most important parts of a private funding application.
Ready to talk about your funding scenario?
Tell us the loan amount, the property and your exit. We’ll come back to you with options — often with a term sheet inside 24 hours.