Large business loans, fast

There is a common belief that big loans have to be slow. For bank lending that is often true: a large commercial facility can involve credit committees, valuations, legal reviews and weeks of back-and-forth. Property-secured private business lending works differently. The security and the exit carry the decision, so a seven-figure loan can be approved in the same hour as a small one when the fundamentals are clear.

What changes as the amount grows

Amount	What gets a closer look
Up to $500k	Property details, ownership and purpose
$500k to $2m	The above, plus a well-evidenced exit and the property type
$2m to $5m	All of the above, plus how the property market and location support the loan

None of these steps needs a valuation. Lenders assess the property using its details and recent market information, which is why big loans can still move quickly.

Why the exit matters most

At this size, a lender wants to know exactly how and when the loan will be repaid. The stronger the evidence, the faster the yes:

• Sale: a signed contract or an agent’s appraisal and campaign plan.
• Refinance: a bank approval or term sheet with expected settlement date.
• Business income: contracts, a pipeline and recent financials showing repayment capacity.
• Asset or business sale: heads of agreement and a timeline.

Short on time? You can enquire in about a minute and come back to this page while we check what is possible.

Speed at the top end

With the property, ownership, purpose and exit in hand, approval within the hour is common. The steps after approval are where large loans can take a little longer: more owners and guarantors to sign, sometimes more than one property, and payouts of existing mortgages. Funds within 24 hours is still possible when everyone is ready. Interest can be prepaid or added, which is often essential when a large sum is funding an asset that will not produce income straight away.

Common uses at this size

Commercial property purchases and settlements, buying a competitor or a partner’s share, clearing large ATO balances, consolidating several expensive lenders, funding big contracts before the first progress claim, and bridging a long-dated property sale.

A worked example (illustrative)

A food manufacturer has agreed to buy a smaller competitor for $3.2m, with completion in nine days. The bank funding most of the purchase has approved it but needs another month to settle. The directors offer two properties, their factory and a residential investment, as security for a bridging loan of about $1.9m with interest added. Approval comes the same afternoon, both directors and the property co-owner sign that evening, and completion goes ahead on time. The bridge is repaid when the bank facility settles.

What to have ready

Have these within reach and you remove the usual causes of delay:

• Details of every property offered, with rates notices and any existing mortgages
• Evidence of the exit: contracts, approvals or appraisals
• Company structure and every director’s ID
• A clear statement of the purpose and amount
• Settlement or deadline dates

What holds things up

Watch for these common speed bumps:

• An exit that relies on an event with no firm date
• Properties held across several entities and trusts
• Many signatories in different places
• Last-minute changes to the amount

See how much you can borrow quickly for more on sizing a large loan.

Why accurate answers matter

The enquiry form asks for the amount, purpose, time trading, monthly revenue, credit history, state and whether you own property. Each answer points your enquiry towards the right lane. When the answers are accurate, the first call can go straight to approval. When they are rounded up, guessed or left vague, the assessor has to unpick them, and that is where hours turn into days. If you are unsure of a figure, give your best honest estimate and say so.

Key takeaways

• $500k to $5m against residential or commercial property
• No valuation needed, even for larger amounts
• A clear exit plan matters more as the amount grows
• Interest can be prepaid or added, terms are flexible

The speed part, explained

Most lending is slow because steps happen one after another, with days of waiting in between. We run them side by side. While your statements are being read, the documents are being drafted. While you are signing, any security is being prepared. No valuation is needed on property-secured loans, which removes the biggest delay in property lending. The result is that approval within the hour is common, 15-minute approvals happen for clean profiles, and funding within 24 hours is genuinely possible when signatures come back quickly.

Get a real answer, fast

It starts with a short form: amount, purpose, how long you have been trading, revenue, credit history and property. No credit check to enquire, no lead farming, and a real person on it quickly in business hours. Fill it in as accurately as you can and the rest moves faster. Begin now.