Short term business loans, secured by property.
Short term business lending is where a business owner with real property equity needs funding faster than a bank can move, or on evidence a bank will not accept. Unsecured cash-flow lenders solve for speed but cap out at small amounts and punishing effective rates. Envision Private arranges property-secured business facilities on behalf of wholesale investors: larger amounts, sensible LVRs, interest prepaid or capitalised so there is no monthly drag, and a defined exit. Facilities are for business and investment purposes only — Envision Private is not an NCCP-regulated consumer lender.
When it makes sense
- Paying an ATO debt or arrears to protect a bank facility or a licence
- Funding stock, materials or a large contract ahead of payment
- Settling a business or equipment purchase on a short deadline
- Bridging a lumpy receivables cycle or a delayed progress claim
- Buying out a partner or completing a business acquisition
- Consolidating expensive unsecured or daily-repayment debt
Indicative loan parameters
| Loan size | $250,000 – $20,000,000+ |
| LVR | Up to 75% first mortgage; combined LVR considered on second |
| Term | 1 – 24 months |
| Interest | Prepaid or capitalised — commonly no monthly repayments |
| Security | 1st or 2nd mortgage, or caveat, over Australian property |
| Exit | Refinance, property sale, contract settlement or trading cash flow |
How the process works
- Deal snapshot — purpose, amount, security, term and how it will be repaid.
- Indicative terms — written pricing and conditions within 24 hours.
- Credit approval — valuation, title search and exit-strategy review.
- Documentation — loan agreement and registered security.
- Settlement — often within 5–10 business days from indicative terms.