Secured Business Loans
When you’re ready to make a serious move — buying a business, snapping up a commercial property, or boosting your working capital — secured business finance gives you the firepower to do it properly. By leveraging solid assets, you unlock stronger rates, bigger limits, and the kind of stability that lets you push your business forward with confidence.
Whether you’re gearing up to buy or start a business, secure your own commercial premises, or invest in the equipment and cash flow that keeps everything humming, secured lending is the smart, scalable path backed by real assets… and backed by VIM Capital.
Let’s put those assets to work and fuel your next chapter.
Backed by VIM Cover and powered through our 70+ lender network, we help Australian businesses get secured business loans to suit the exact moment in their journey.
Funding growth. Fuelling ambition. That’s the VIM way.
Key Takeaway
Lower Interest Rates due to reduced risk
Longer Terms for easier cashflow and suitable for Startups if assets are available
Higher borrowing capacity ( often between $50K - $5M+)
What Is Secured Business Finance?
Secured business finance is a loan backed by an asset — think vehicles, machinery, property, or other business equipment. The lender has something to fall back on, which means you usually get sharper rates, higher limits, and longer loan terms. In plain English: you put something up as security, and in return you get more borrowing muscle.
Why Businesses Choose Secured Loans
Secured loans are the go-to for businesses that want bigger funds without copping heavy interest. By offering an asset as collateral, you reduce the lender’s risk — and they reward you with better pricing. It’s a win-win… provided you actually make your repayments.
Book a discovery call with VIM Capital today — and find out how secured business loans can help your business grow faster, and smarter.
What Can Be Used as Security?
Security is anything the lender can realistically sell if things don’t work out. Common options include:
- Commercial vehicles
- Plant & machinery
- Business equipment
- Commercial property
- Inventory or receivables (with some lenders)
If it’s valuable and not already encumbered, chances are it can be used.
How Approval Works
Approval usually depends on three things:
- The quality of the asset (age, value, condition)
- Your business performance (revenue, stability, credit)
- Your repayment capacity
Sometimes the asset does the heavy lifting … sometimes the lender may want a little more financial information.
Get started
Let’s get the Commercial Asset Finance you are after
Damian Van Raay
Director – Asset & Commercial Finance
Typical Uses for Secured Finance
Buying vehicles or equipment
Expanding operations
Funding major projects
Purchasing commercial property
Refinancing expensive debt into cheaper, asset-backed terms
Funding major projects
Commercial Lender Options
Your Secured Business Loans Questions, Answered.
Whether you’re exploring secured business loans, or commercial property finance, we’ve made it simple to understand how it all works.
Here, VIM Capital’s business loan specialists break down the most common questions Australian businesses ask — in plain English, not finance jargon.
VIM Cover and powered by a panel of 70+ lenders, VIM Capital secures competitive equipment finance that helps Australian businesses invest, upgrade, and grow without slowing down.
It’s a business loan backed by an asset — like property, vehicles, or equipment. You offer security, and in return you usually get better rates, longer terms, and higher borrowing power.
Most lenders accept commercial property, residential property (in some cases), vehicles, plant, machinery, and other unencumbered business assets. If it’s valuable and you own it, it’s probably eligible.
Generally, yes. Because the lender has something to fall back on, you score sharper interest rates and more flexible terms. Risk down = cost down.
Depending on the asset and lender, businesses can access anywhere from $50,000 to $5 million+. Property-backed loans often allow the highest limits.
Terms can range from 12 months up to 30 years for property-secured loans. Asset-secured loans typically run 3–7 years.
Anything that drives the business forward — buying or starting a business, purchasing commercial property, expanding operations, acquiring equipment, or boosting working capital.
Equipment-backed deals can move fast (1–5 days). Property-secured loans take longer due to valuations (1–3 weeks). The cleaner your documents, the quicker the turnaround.
The lender may sell the secured asset to recover the debt. It’s the trade-off for the better pricing, you get sharper rates, but your asset is on the line.
Often yes, but low-doc and alt-doc options exist depending on the asset and loan type. Strong security can open doors when full financials aren’t available.
Businesses wanting larger funds, better pricing, and longer terms — especially those purchasing a business, buying commercial property, or investing in key assets.
Have a question? Just ask!
One of our lending specialists will be in touch
