What this funding is designed to do
A secured business loan uses an asset as collateral. Equity Tap lends against acceptable Australian residential or commercial real estate so eligible businesses can access capital for urgent needs or planned opportunities. The security may be a first or second mortgage, depending on the property and existing debt.
An established company, sole trader or new venture may be considered where the business purpose, available property equity and short term exit are clear. Property security creates risk and must be understood before proceeding.
When this structure may fit
- Your business has a genuine, clearly explained use for the funds.
- There is sufficient available equity in acceptable Australian real estate.
- The need is time sensitive or falls outside a conventional bank policy.
- You have a credible exit strategy for repaying the short term facility.
- The costs and risks are understood before you proceed.
Why business owners come to Equity Tap
Banks are built for standard scenarios and longer processes. Equity Tap is built for direct specialist assessment. We listen once, look at the whole position and explain whether a workable structure exists. That matters when a settlement, creditor, opportunity or refinance cannot wait.
Equity Tap has lent its own money since 2022. Facilities range from $50,000 to $5 million, with terms from one to twelve months. Eligible transactions may settle in as little as 24 hours and may allow interest for up to six months to be prepaid as part of the facility.
What we need to understand
Start with the amount required, the business purpose, the deadline, the security property, any existing mortgage and the expected repayment event. Supporting information can include identification, rates notices, mortgage statements, contracts, trust documents and evidence supporting the exit.
“We fund people the banks cannot help, or can help, but not quickly enough.”
Equity Tap lending approachHow a secured business loan works
A secured business loan uses an asset as collateral. Equity Tap's loans use acceptable Australian residential or commercial real estate as security and must fund a genuine business purpose. We assess the property, its ownership and existing debt alongside the amount needed, the business use of funds and the expected repayment event. This is not a personal loan or a general unsecured cash flow product.
Depending on the scenario, security may take the form of a first mortgage, a second mortgage behind an existing lender, or another suitable property security structure. The form of security affects consent, legal steps, cost and timing. A second mortgage does not automatically require replacing the first loan, but first-lender consent or priority arrangements can be relevant.
How much can you borrow against property?
Equity is the property's assessed value minus existing secured debt. It is not the same as cash you can automatically draw. The lender must also consider its acceptable combined loan-to-value ratio, property type, title, valuation, legal costs, fees, any prepaid interest and the proposed exit. For example, a property assessed at $1 million with $500,000 owing has $500,000 in headline equity; the amount available for a new facility may be materially less. Use our equity calculator for an initial illustration and the LVR guide to understand combined secured debt.
Common business uses
- Bridge an urgent settlement, acquisition or commercial property purchase.
- Buy stock, fit out premises or fund equipment for a clearly costed plan.
- Address a temporary working capital or ATO liability while a defined repayment event is in progress.
- Bring forward usable business capital while a property sale or longer term refinance completes.
- Provide startup capital for a new Australian business where acceptable property equity and a credible exit exist.
For a new venture, start with a realistic launch budget, cash forecast and contingency reserve. Our startup guide explains why starting undercapitalised can leave a sound idea without room to survive its first delay.
Secured compared with unsecured finance
Unsecured lenders may focus heavily on trading history and revenue and can require frequent repayments. Property security can support a different amount, term, cost and payment structure, particularly when a bank's timetable is too slow. It also exposes the property to enforcement if the loan cannot be repaid. Compare the net funds received, every fee, the total amount repayable, repayment frequency and the consequences of delay; do not compare a headline interest rate in isolation. See our secured versus unsecured guide.
The questions to answer before applying
- What is the exact business purpose and how much cash must reach the business?
- Which property is available, who owns it and what debt is already registered?
- What event will repay the facility within the agreed term, and what evidence supports its timing?
- What happens if the sale, debtor payment or refinance slips?
- After all fees and any prepaid interest, is the net amount still sufficient?
A secured loan is not a cure for a business that cannot sustainably meet its obligations. Speak with your accountant or legal adviser where viability, insolvency or personal guarantees are in question. Equity Tap lends its own money and can assess eligible business facilities from $50,000 to $5 million over one to twelve months. An eligible transaction may settle in as little as 24 hours, but approval and settlement time depend on property, documents and legal checks.