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Secured Business Loans Melbourne

Fast, property-backed business finance for Melbourne companies

Melbourne operates in a fast-paced environment. Rising real estate costs, infrastructure development, and infill demand are creating many urgent financial needs for businesses. Whether you're expanding, upgrading, or managing cash flow, banks often move too slowly.

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Innovate Funding offers secured business loans in Melbourne, using property as security so you can access capital quickly and with greater flexibility. We help businesses unlock opportunities across the city with speedy approvals and tailored funding solutions.

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Why Choose a Secured Business Loan in Melbourne

  • Speed when it counts: approvals in ~24 hours; settlements in 48–72 hours

  • Better rates and LVRs compared to unsecured business loans because you’re offering security

  • Flexibility: tailored repayment structures, interest-only or capitalised interest periods

  • Property types matter: using residential, commercial, or development assets around Melbourne, you can unlock capital for multiple business needs

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Common Purposes for Secured Business Loans

Businesses in Melbourne often use secured finance for:

  • Cash Flow and Operational Costs: payroll, inventory, supplier payments

  • Expansion and Growth: opening new locations, purchasing equipment, scaling operations

  • Bridging and Rolling Funds: securing contracts, making deposits before invoices clear or awaiting other funds

  • Renovations and Fit-Outs: updating premises, commercial refurbishments, improving frontage

  • Tax, ATO and Urgent Liabilities: settling outstanding obligations before penalties incur

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Scenarios

  • Footscray Café Expansion: A $450K secured business loan backed by the owner’s property enabled a second location while existing sales kept running.

  • Securing a Contract in Dandenong: $1M loan secured with a factory property to meet upfront supply contract costs, collateralised and repaid in 8 months.

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Areas We Service

We provide Secured Business Loans across Greater Melbourne, including but not limited to:

  • Melbourne CBD

  • Inner suburbs: Carlton, Fitzroy, South Yarra, Richmond

  • Eastern suburbs: Hawthorn, Camberwell, Box Hill

  • Bayside: Brighton, Sandringham, St Kilda

  • Western suburbs: Footscray, Werribee

  • Northern suburbs: Preston, Northcote, Thornbury

  • Southern suburbs: Dandenong, Frankston

  • Outlying areas and regions considered case-by-case when security is strong

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How Our Process Works

  1. Enquire: Share your business need, property security, and timeline

  2. Quick Assessment: We evaluate your asset, exit plan, equity and risk

  3. Offer Terms: Receive a clear, conditional proposal outlining fees, rates and structure

  4. Settlement: Funds delivered, often within 48–72 hours once documentation is ready

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FAQs – Secured Business Loans Melbourne

How much can I borrow with a secured business loan in Melbourne?
Loans range from $50,000 up to $20 million+, depending on the value of the asset and structure. Typical LVRs are about 65% on first mortgages and ~75% combined when including second mortgages on strong assets.

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Do I need strong financials?
Not always. Strong equity, clear exit plans, and property security often allow reduced documentation options.

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Will previous bank declines disqualify me?
No. We often fund deals banks won’t. If your asset is solid and your exit strategy is clear, we can help.

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How fast is approval and settlement?
Indicative approvals in ~24 hours; settlements commonly within 2–3 business days when paperwork is in order.

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What property types qualify?
Residential, commercial, development land, mixed-use properties around Melbourne.

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Do you offer unsecured business or consumer loans?
No. All loans are secured against property and strictly for business or investment purposes.

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Why Innovate Funding

  • Deep understanding of Melbourne’s business and property markets

  • Fast turnarounds trusted by business owners, accountants, and brokers

  • Transparent terms and no surprises

  • Flexible lending structures to match your exit strategy and cash flow

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Next Steps

If you need a secured business loan in Melbourne for expansion, cash flow, bridging, or renewal, Innovate Funding is here to help. From $50K to $20M+, we tailor finance solutions that work for your property, timeline, and goals.

 

Contact Innovate Funding today for your personalised secured business loan quote.

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