Secured Business Loans
As an accountant, lawyer, broker, or adviser, your reputation relies on delivering timely solutions to your clients. NWC Finance specialises in secured business loans that allow you to provide your clients with fast, flexible reliable commercial funding across Australia and New Zealand, typically within 24–72 hours.
By partnering with us, you can help your clients manage cash flow, expand operations, refinance debt, or fund urgent projects, while keeping them under your advisory care.
What Is a Secured Business Loan ?
A secured business loan is a type of commercial finance backed by an asset, such as property or equipment. This security reduces lender risk and enables your clients to access larger loans and faster approvals compared to unsecured options.
For advisers, understanding secured loans ensures you can offer timely solutions, maintain client satisfaction, and strengthen your professional relationships.
Secured vs. Unsecured Business Loans: What is the Difference?
Helping your clients choose the right loan type can significantly impact their financial outcomes.
Loan Limits and Interest Rates
Secured loans provide higher borrowing capacity, often in the hundreds of thousands or millions, and generally feature lower interest rates than unsecured loans, allowing clients to save money while achieving their objectives.
Approval Speed and Risk
Unsecured loans may suit small funding needs but often require extensive documentation and have slower approval times for larger amounts. Secured loans via NWC Finance are processed quickly, ensuring your clients can receive funding answers in as little as 30 minutes and even funding within 24 to 48 hours. With in-house decisions made directly by our partners, NWC Finance is able to provide your clients the speed they need for critical opportunities.
By providing your clients with access to fast, reliable funding, you help them avoid delays and keep them under your advisory guidance rather than seeking alternative lenders.
Access to Larger Loan Amounts
Secured loans let your clients leverage residential, commercial, or other assets to secure substantial funding, ideal for expansion, refinancing, or urgent projects. At NWC Finance our loan amounts range from $100,000 to $50M+, providing the immediate support your clients need to navigate time-sensitive scenarios.
Lower Interest Rates
Collateral-backed lending reduces risk for the lender, which means lower interest rates and, for clients with imperfect credit histories, more flexible loan terms.
Flexible Terms for Bad Credit History
Even if your client has a less-than-perfect credit history, NWC Finance secured business loans give brokers and advisers a way to deliver real solutions. Flexible terms mean your clients can access funding when they need it most, without being turned away by traditional lenders.
The benefits for brokers and clients include:
- Access for clients with credit challenges: Your clients can still secure funding and keep their business plans on track.
- Tailored repayment options: Loan structures can be customised to fit your client’s cash flow, making repayments manageable.
- Stronger client relationships: By helping clients achieve funding that meets their needs, brokers can retain and strengthen their client base.
- Fast, adaptable solutions: Brokers and advisers can act quickly when opportunities or urgent funding needs arise, keeping clients satisfied and loyal.
With NWC Finance, brokers can confidently provide flexible, practical funding solutions that protect their clients’ interests and help them succeed, even when credit histories aren’t perfect.
What Assets Can Be Used as Security?
Common Uses for Secured Business Funding
Working Capital and Cash Flow
Help clients cover payroll, suppliers, and operational expenses without disrupting their business operations.
Business Expansion and Equipment
Clients can fund new projects, equipment purchases, or fit-outs quickly.
Tax Debt and Liability Consolidation
Provide solutions for clients needing to consolidate debt, manage tax liabilities, or refinance existing loans efficiently.
Real-Life Examples: How We Help Businesses
Rapid Funding for Development
NWC Finance recently arranged a $6 million urgent refinance facility for a Western Sydney construction product distributor who was facing expiry of a high‑cost private lending facility and imminent receivership. With LVR at 65% and property as security, NWC negotiated with stakeholders and settled within just 3 days, helping the client avoid escalating penalties and potential insolvency.
What this shows
You can present NWC Finance as a partner that prevents costly defaults and keeps clients operating, even under severe time pressure.
Refinancing to Release Cash Out
NWC Finance recently arranged a $17 million refinance for a property developer based in New Zealand’s North Island who was facing the expiry of a high‑fee private facility and needed additional funds to commence land subdivision works. With a combined mix of development site, residential and commercial properties as security, NWC settled the refinance in 7 days, reducing costs for the client and advancing extra capital required for preliminary construction phases.
What this shows
You can present NWC Finance as a partner that unlocks equity and releases cash out for your clients, even when traditional lenders won’t provide extra funding, helping them progress projects and retain strong financial positions.
Eligibility and Lending Criteria
Eligibility focuses on the client’s asset and repayment ability:
- Asset to pledge as collateral
- Evidence of income or business revenue
- Clear repayment plan
We also offer low-doc solutions, making it easier for advisers to help clients who do not have complete financial documentation.
How to Apply for a Secured Business Loan
Our four step process is simple, focusing on fulfilling the immediate needs of your clients.
FAQs
Can I get a secured business loan with bad credit?
Yes. Secured loans are approved based on collateral value, enabling approval even with imperfect credit.
How fast can I access the funds?
Funds can be available within 24–72 hours, depending on asset type and documentation.
Do I need financials to apply (Low Doc)?
Yes. Low-doc secured loans make it simpler for clients without full financial statements to access funding.
What Loan-to-Value Ratio (LVR) can I borrow?
Typically between 60–75%, depending on asset type and valuation.
Speak to a Specialist at NWC Finance Today
As an adviser, retaining clients is key. By partnering with NWC Finance, you can provide fast, flexible secured business loans that meet your clients’ urgent funding needs, without them turning to other lenders.
Contact our specialist team today to discuss how we can help you deliver commercial funding solutions for your clients across Australia and New Zealand.