The practical answer
An exit strategy is the planned source and timing of repayment. For a short term property secured business loan, examples include a property sale, a documented refinance, an asset sale or a defined incoming business payment. Check the evidence, timing and fallback if the expected event is delayed.
What to check in practice
A strong exit is specific: state who will pay, how much, when the funds are expected and what evidence supports the plan. A property sale contract is stronger than a hope to list a property later; a refinance application is stronger when serviceability and valuation have already been assessed.
Model a delay. If settlement or refinance moves by 30 to 60 days, understand the extension process, extra interest and whether the business can still meet its obligations. The exit should be proportionate to the debt, not an uncertain future growth forecast.
Before using property equity
Confirm the genuine business purpose, available property equity, the complete cost of finance and a credible repayment plan. Equity Tap assesses business facilities from $50,000 to $5 million, secured by acceptable Australian real estate, for terms of one to twelve months. Eligibility and timing depend on the full scenario.
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General information only, not legal, tax or financial advice.