Secured Business Loans · Commercial Finance
Borrow against what the business already owns, with the trade-offs spelled out first.
Property, equipment or unpaid invoices can back the borrowing, usually with more room on amount and term than unsecured lending. We tell you plainly what your security supports and which lenders will say yes.
$1.5b in settled lending
MPA Top Commercial Brokers
5.0 Google rating
Phone answered 24 hours
What happens next
Complex commercial transactions may carry a fee for service, quoted upfront: half at application, the balance only on approval. Enquiring won’t affect your credit score.
Why commercial through Evolve
Commercial is where we do our best work
Right asset, right lender
Property, equipment, vehicles or invoices each suit different lenders and different loan sizes. We match the security to the funding before choosing where to lodge.
Deep lender relationships
Deep working relationships with 15 to 20 lenders: banks, non-banks and specialist funders. Several will take security the majors read as too complicated.
Risks spelled out first
Before you pledge the family home or the depot, you hear exactly what is at stake, in plain terms, and whether another asset would do.
Tricky deals, minimum fuss
ATO debt, trust structures, fresh financials, a prior decline. The complicated end of business lending is where we do most of our work.
Case study
[SUPPLY: the outcome in one line, no rate figures]
[SUPPLY: an anonymised secured business loan outcome in four beats: situation, what other lenders said, what we did, result]
“It is refreshing to deal with a expert who really knows his stuff. At no time do you feel Mark and his team are not focused on delivering the very best for your situation. Thank you Mark and the team at Evolve Lending & Finance.”
Daniel, Google review
“Evolve Lending & Finance have looked after us a number of times we have always found the team to be very friendly courteous and they just get the job done we would not go anywhere else.”
Lyn, Google review
In plain terms
How secured business loans actually work
Secured business loans put an asset behind the borrowing: commercial or residential property, vehicles and equipment, sometimes the invoice ledger itself. Because the lender can recover the debt from the security, the loan usually stretches further and runs longer than its unsecured equivalent. For an established business that owns something of value, it is often the most sensible way to fund the next move, provided the asset is used well.
The catch is that no two secured deals look alike. Which asset to offer, whose name it sits in and how much a lender will advance against it all shift the outcome. We hold deep working relationships with 15 to 20 lenders and take the file only to those with genuine appetite for it. Where the assets are better left untouched, unsecured business loans may suit better, and we will say so.
Tell us what the business owns and what the money must do, or compare business lending options first. The answer will be straight: possible now, possible with changes, or not yet.
How it works
From first conversation to funds settled
- Step
The first conversation
A call, usually within one business day, covering what the business owns, what it owes and what the funding must achieve.
- Step
Security and structure
We read the financials, debt schedule and title or asset details the way an assessor does, then settle which asset to offer and in whose name.
- Step
The recommendation
Lender, structure, costs and any fee, in writing. Possible now, possible with changes, or not yet. You decide before anything is lodged.
- Step
Approval to settlement
One complete application to the lender that fits. We manage the valuation, assessment and loan documents through to the funds landing.
Understanding secured lending
What business owners ask before offering security
What can you use to secure a business loan?
{acf_sl_understanding_body}
Is a secured business loan cheaper than an unsecured one?
{acf_sl_understanding_body}
How much can you borrow against the security?
{acf_sl_understanding_body}
Can the company borrow against a director’s property?
{acf_sl_understanding_body}
Run your numbers
What would the repayments look like?
$7,604
estimated monthly repayment
Estimate only, excludes fees. Commercial pricing is set deal by deal; enter your own rate. Not an offer of credit or financial advice.
Start with a straight answer on security
Call 1300 112 355