Smart business
funding, made simple!
funding, made simple!
When opportunity
knocks, we make sure capital is within
reach.
At Lendo, we specialise in Business Loans secured by mortgage, offering
fast, flexible funding solutions for Australian business owners – whether your property is
unencumbered, first mortgage, or already has an existing loan in place.
No Business Financials Required
First or Second Mortgage Security Accepted
No Impact on Your Existing Home Loan
Same Day Loan Offer
Fast Approval & Settlement
All Industries Welcome
*This will not impact your credit score.
Business Loans
Secured by Property
Our business loans are secured by real estate and can be structured as either:
First Mortgage Security – ideal for unencumbered
properties or where refinancing makes sense
Second Mortgage Security – access additional capital
without refinancing your existing home loan
This flexible approach allows us to tailor funding solutions around your
property position and business needs – not rigid bank policy.
Key Benefits:
Borrow up to 80% LVR (combined lending)
Access larger loan amounts beyond restrictive bank limits
No refinancing required for second mortgage loans
No repayments for 3 or 6 months (Prepaid Interest options available)
No business financials required
Lower cost than many unsecured funding options
Fast approvals and same day funding once documents are returned
Business
Borrower
Offering
$ 50,000 -
$2,500,000
Loan Size
8.95
%
p.a.
Interest Rate from
12
months
Max Term
Why Business
Owners Choose Property Secured Loans
Owners Choose Property Secured Loans
Many business owners assume refinancing their home loan is the only way to unlock equity. In
reality,
a property secured business loan — including second mortgage
options — often provides a faster, more strategic solution.
Common challenges we help solve:
Limited trading history restricting bank approvals
Profitability or serviceability issues
Incomplete or unavailable financial records
Long bank approval timeframes
Personal lending that lacks business tax advantages
Our approach focuses on equity, asset position, and business purpose, not box ticking.
How Lendo Can Support Your Business
Our property secured loans can be used for a wide range of business
purposes, including:
Fast, Simple Approval Process
Get your business funding approved in as little as 24 hours.
If you have a genuine business purpose and sufficient property equity,
we fund fast. Our lending policy is straightforward:
1
5 Minutes Application
Complete your obligation free application and receive a
prompt call from your dedicated Business Manager. We’ll confirm your
requirements and issue conditional approval quickly.
2
Secure Your Offer
Receive a clear, transparent Letter of Offer outlining loan terms, costs,
and structure — no hidden surprises.
3
Your Business Gets Funded
Once documents are signed and returned to our
lawyers, funds can be released the same day.
Why Lendo?
Welcome to Startup
No Credit Checks
No Complicated Paperwork
Bad Credit
Ok
Ok
No
Delays
Delays
Property Equity.
Business Growth.
Simple.
Whether you’re looking to:
leverage an unencumbered property, or
access equity without touching your existing home loan,
Lendo delivers flexible business funding secured by property — on your
terms.
What is a property secured business loan?
A property secured business loan is a business loan that uses real estate as security. The property may be residential or commercial, and the loan can be registered as either a first mortgage or a second mortgage, depending on your situation and existing lending.
Do you offer both first and second mortgage business loans?
Yes. Lendo offers business loans secured by property using either first mortgage security or second mortgage security.
First mortgages are suitable for unencumbered properties or where refinancing makes sense.
Second mortgages allow you to access equity without refinancing your existing home loan.
What is the difference between a first mortgage and a second mortgage?
A first mortgage is the primary loan secured against a property.
A second mortgage sits behind an existing home loan, allowing you to access additional equity while keeping your current lender and loan structure unchanged.
Both options can be used to secure a business loan, subject to available equity and lending criteria.
Will a second mortgage affect my existing home loan?
No. When using second mortgage security, your existing home loan remains in place and unchanged. Your current lender stays in first position, and Lendo registers a second mortgage behind them.
Do I need to refinance my home loan to access equity?
Not necessarily. Many borrowers assume refinancing is the only option, but a second mortgage business loan can often provide faster access to capital without refinancing, depending on your equity position.