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Secured

Finance

Secured

Secured

Finance

Finance

At Bono Finance we can get you the cash flow your business needs at the best possible rate. We choose from hundreds of a flow loans offered by almost 30 different lenders to find the perfect solution for your individual business needs. With expert brokers on hand, we'll do the hard work for you, all the way from application through to settlement.

100% free. No impact on your credit score.

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Complete Support from Start to Finish.

We'll eliminate all the hassle while helping you save both time and money - your comprehensive financing solution! Our business finance experts are ready to assist you, from understanding complex lender criteria to finalising your loan agreement.

We'll eliminate all the hassle while helping you save both time and money - your comprehensive financing solution! Our business finance experts are ready to assist you, from understanding complex lender criteria to finalising your loan agreement.

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Unbeatable Terms

Our skilled business loan consultant will advocate for your interests and secure you the best rates available.

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Unbeatable Terms

Our skilled business loan consultant will advocate for your interests and secure you the best rates available.

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Unbeatable Terms

Our skilled business loan consultant will advocate for your interests and secure you the best rates available.

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Bad Credit Welcome

We can locate excellent financing options for you regardless of your business circumstances or credit standing.

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Bad Credit Welcome

We can locate excellent financing options for you regardless of your business circumstances or credit standing.

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Bad Credit Welcome

We can locate excellent financing options for you regardless of your business circumstances or credit standing.

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Top-Tier Lending Partners

We work exclusively with premium lenders who satisfy our rigorous standards for competitive rates, exceptional service and ethical practices.

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Top-Tier Lending Partners

We work exclusively with premium lenders who satisfy our rigorous standards for competitive rates, exceptional service and ethical practices.

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Top-Tier Lending Partners

We work exclusively with premium lenders who satisfy our rigorous standards for competitive rates, exceptional service and ethical practices.

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Streamlined Process

We eliminate the complexity from securing your cash flow loan.

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Streamlined Process

We eliminate the complexity from securing your cash flow loan.

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Streamlined Process

We eliminate the complexity from securing your cash flow loan.

Getting Started with your Application

Getting Started with your Application

Bono Finance streamlines the entire application process for your cash flow loan.

Our simple three-stage approach helps you secure funding quickly and efficiently.

• Describe your business and cash flow requirements. We'll match you with suitable lenders from our network of 200+ financing partners.

• Our experts negotiate on your behalf, manage the paperwork, and guide you through the approval process so you can stay focused on your business.

• Once approved, we'll ensure a smooth settlement process and get your funds delivered without any unnecessary hassles.

What is a Secured Finance?

What is a Secured Finance?

Secured finance is a business funding solution that uses property as collateral to secure the loan, enabling access to larger amounts at more competitive interest rates than unsecured alternatives. Instead of relying solely on cash flow assessments, lenders evaluate the value of your property assets to determine your eligibility and loan terms, whether you're purchasing commercial property or releasing equity from existing assets.

This financing approach enables businesses to access substantial capital for growth, property acquisition, or working capital needs at significantly lower interest rates. The security provided by property gives lenders confidence, making it an attractive option for companies seeking larger funding amounts or businesses that may not qualify for unsecured finance based on cash flow alone. The approval process centres on property valuations and your ability to service the debt.

Traditional unsecured business lending typically demands higher interest rates due to increased lender risk and often limits funding amounts based purely on revenue multiples. When borrowers default on unsecured loans, lenders have limited recovery options and must rely on lengthy legal processes. This risk profile leads unsecured lenders to implement more restrictive qualification criteria, higher pricing structures, and reduced flexibility in their lending decisions compared to property-secured finance options.

Benefits of Secured Finance

Benefits of Secured Finance

The primary advantage of secured financing is that you can access significantly larger funding amounts at competitive interest rates by using property as collateral, which means securing capital for major business investments will be more cost-effective for your operations.

Secured financing also offers these additional benefits:

  • Due to the property-backed security model, you may qualify for funding amounts that substantially exceed what's available through unsecured finance, often reaching into the millions based on your property equity.

  • Many lenders provide competitive interest rates that are considerably lower than unsecured alternatives, as the property security reduces their lending risk and allows for better pricing structures.

  • Since approval focuses on property values and equity positions rather than just cash flow, it may be simpler to get approval for larger capital requirements or major business investments like property purchases.

The primary advantage of secured financing is that you can access significantly larger funding amounts at competitive interest rates by using property as collateral, which means securing capital for major business investments will be more cost-effective for your operations.

Secured financing also offers these additional benefits:

  • Due to the property-backed security model, you may qualify for funding amounts that substantially exceed what's available through unsecured finance, often reaching into the millions based on your property equity.

  • Many lenders provide competitive interest rates that are considerably lower than unsecured alternatives, as the property security reduces their lending risk and allows for better pricing structures.

  • Since approval focuses on property values and equity positions rather than just cash flow, it may be simpler to get approval for larger capital requirements or major business investments like property purchases.

Key Considerations When Choosing Secured Finance

Key Considerations When Choosing Secured Finance

When evaluating secured finance options, it's important to look beyond just the interest rate and consider the overall structure, costs and security requirements that will impact your business operations and long-term financial strategy.

Key factors to consider when choosing secured finance include:

  • Loan to Value Ratio (LVR) and how much equity you can access, as different lenders offer varying LVRs depending on property type, location, and your business circumstances, affecting the total funding available.

  • Valuation and legal costs associated with securing the finance, including property valuations and legal fees, as these expenses can significantly impact the total cost of accessing the funds.

  • Security requirements and property types accepted, including whether the lender will accept residential, commercial, or development properties, and if they require first mortgage position or accept second mortgage arrangements.

  • Security requirements and property types accepted, including whether the lender will accept residential, commercial, or development properties, and if they require first mortgage position or accept second mortgage arrangements.

  • Interest rate structure and whether it's fixed or variable, as this affects your ongoing repayment obligations and budgeting ability, particularly important for longer-term property investments or major capital expenditure.

  • Exit strategy options and refinancing flexibility, including whether the lender offers competitive rates for refinancing and how easily you can transition to different financing structures as your business grows.

When evaluating secured finance options, it's important to look beyond just the interest rate and consider the overall structure, costs and security requirements that will impact your business operations and long-term financial strategy.

Key factors to consider when choosing secured finance include:

  • Loan to Value Ratio (LVR) and how much equity you can access, as different lenders offer varying LVRs depending on property type, location, and your business circumstances, affecting the total funding available.

  • Valuation and legal costs associated with securing the finance, including property valuations and legal fees, as these expenses can significantly impact the total cost of accessing the funds.

  • Security requirements and property types accepted, including whether the lender will accept residential, commercial, or development properties, and if they require first mortgage position or accept second mortgage arrangements.

  • Security requirements and property types accepted, including whether the lender will accept residential, commercial, or development properties, and if they require first mortgage position or accept second mortgage arrangements.

  • Interest rate structure and whether it's fixed or variable, as this affects your ongoing repayment obligations and budgeting ability, particularly important for longer-term property investments or major capital expenditure.

  • Exit strategy options and refinancing flexibility, including whether the lender offers competitive rates for refinancing and how easily you can transition to different financing structures as your business grows.

Frequently Asked Questions

We answer the questions that matter most to Australian business owners. Here's what our clients typically want to know.

Are lines of credit easier to qualify for?

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What's the maximum credit limit available for lines of credit?

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How quickly can I receive cash flow loan approval?

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How quickly can I receive cash flow loan approval?

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What's the maximum funding amount available for cash flow loans?

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Can I get a cash flow loan with poor credit history?

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Are lines of credit easier to qualify for?

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What's the maximum credit limit available for lines of credit?

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How quickly can I receive cash flow loan approval?

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How quickly can I receive cash flow loan approval?

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What's the maximum funding amount available for cash flow loans?

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Can I get a cash flow loan with poor credit history?

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Are lines of credit easier to qualify for?

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What's the maximum credit limit available for lines of credit?

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How quickly can I receive cash flow loan approval?

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How quickly can I receive cash flow loan approval?

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What's the maximum funding amount available for cash flow loans?

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Can I get a cash flow loan with poor credit history?

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Request a Call Back

Get a free, no-obligation consultation with one of our business finance specialists. We'll discuss your funding needs, explain your options, and provide clear guidance on the best path forward for your business.

Request a Call Back

Get a free, no-obligation consultation with one of our business finance specialists. We'll discuss your funding needs, explain your options, and provide clear guidance on the best path forward for your business.

Request a Call Back

Get a free, no-obligation consultation with one of our business finance specialists. We'll discuss your funding needs, explain your options, and provide clear guidance on the best path forward for your business.

Request a Call Back

Get a free, no-obligation consultation with one of our business finance specialists. We'll discuss your funding needs, explain your options, and provide clear guidance on the best path forward for your business.

Disclaimer and important things you should know

Bono Finance Pty Ltd T/as Bono Finance operates as an Authorised Credit Representative 554584 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are a finance brokerage helping Australians secure the right finance solutions for their business needs.

Disclaimer and important things you should know

Disclaimer and important things you should know

Bono Finance Pty Ltd T/as Bono Finance operates as an Authorised Credit Representative 554584 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are a finance brokerage helping Australians secure the right finance solutions for their business needs.

Disclaimer and important things you should know

Disclaimer and important things you should know

Bono Finance Pty Ltd T/as Bono Finance operates as an Authorised Credit Representative 554584 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are a finance brokerage helping Australians secure the right finance solutions for their business needs.

Disclaimer and important things you should know

Disclaimer and important things you should know

Bono Finance Pty Ltd T/as Bono Finance operates as an Authorised Credit Representative 554584 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are a finance brokerage helping Australians secure the right finance solutions for their business needs.

Disclaimer and important things you should know