Leverage Your Assets and Access Smarter Business Funding
Secure Your Growth with a Secured Small Business Loan
A Secured Small Business Loan gives you access to higher funding limits and lower interest rates by using business assets as collateral. It’s simple, strategic, and built for growth.
Why Choose a Secured Small Business Loan?
Backed by Assets, Built for Growth
A Secured Small Business Loan from Arc Business Loans lets you access larger funds at lower interest by leveraging your existing assets such as property, equipment, or vehicles. It is perfect for business owners looking to expand, invest in operations, or refinance debt under smarter terms.
Unlike unsecured options that rely mostly on credit history, this loan uses real value to strengthen your application and give you the financial flexibility you need to grow on your terms.
Lower Interest Rates
Use your assets to secure more affordable long term financing.
Improved Approval Chances
Even if your credit is average, your secured value can strengthen your position.
Extended Repayment Terms
Custom terms that align with your monthly cash flow.
Top Benefits at a Glance
Bigger Loans, Better Rates, Greater Potential
With a secured small business loan from Arc Business Loans, you are not just borrowing. You are building your future. This funding option is ideal for growth focused businesses that want financial strength, long-term flexibility, and larger capital backed by real assets.
Longer Repayment Terms
Customisable terms that align with your cash flow cycle.
Higher Borrowing Amounts
Unlock greater capital by leveraging property, equipment, or other business assets.
Lower Interest Rates, Bigger Savings
Enjoy more affordable repayments that reduce financial pressure.
Increased Lender Confidence
Secured backing gives lenders more assurance and helps speed up approvals.
Is a Secured Small Business Loan Right for You?
Perfect for Visionaries with Valuable Assets
If you are sitting on assets, you are sitting on opportunity. A secured small business loan from Arc Business Loans allows you to transform those owned resources into meaningful business growth with better terms, lower interest, and higher borrowing limits.
- Do you have real estate, vehicles, or equipment?
- Are you planning a major expansion soon?
- Is long-term funding crucial to your goals?
- Want the lowest rates possible for larger loans?
What Can You Use a Secured Small Business Loan For?
Fund the Growth Projects That Drive Long-Term Success
Unlock the power of a secured small business loan with Arc Business Loans to invest in your business’s future. Whether you are expanding, upgrading, or streamlining operations, this funding gives you the flexibility to focus on what really matters for your growth and stability.
Expanding Operations
Open new locations, hire more staff, or increase service capacity.
Investing in Heavy Machinery
Upgrade essential equipment to boost output and efficiency.
Renovations or Fit-Outs
Refresh and modernise your workspace to enhance your team’s performance and customer experience.
Debt Consolidation
Combine existing debts into one manageable loan with better rates and terms.
How the Loan Process Works with Arc Business Loans
From Application to Approval Made Simple
Navigating a secured small business loan is easy with Arc Business Loans. Our process is designed to eliminate complexity so you can unlock your funding quickly and confidently using your business assets.
STEP 1
Apply Online & Share Security Info
Complete a quick application and tell us what asset you’ll use like property, vehicles, or equipment.
STEP 2
Get Assessed & Approved
Our team reviews your info and offers tailored loan terms, fast.
STEP 3
Receive Funds & Grow
Once approved, funds hit your account so you can invest and move forward with confidence.
Let’s Unlock Your Business Potential
Expert help is just a click away
Chat with a loan advisor and discover the right funding options for your business goals.
Frequently Asked Questions
Everything You Need to Know About Secured Small Business Loan
Got questions? We’ve got answers! Here are some of the most common queries about our unsecured business loan solutions at Arc Business Loans.
What is a secured small business loan and how does it work?
A secured small business loan is a type of funding where you offer assets, such as property, vehicles, or equipment, as collateral. This backing gives lenders greater confidence, allowing them to offer you higher loan amounts, lower interest rates, and more flexible terms. With a secured small business loan, your asset acts as security, so if you default, the lender may claim the asset to recover their funds. It is a powerful tool for businesses looking to grow while managing risk and repayment.
What types of assets can I use for a secured small business loan?
For a secured small business loan, common types of acceptable collateral include commercial or residential property, company vehicles, business equipment, or even inventory. The asset must have a clear value and usually be owned outright or have equity. The more valuable your collateral, the more funding you can potentially access through your secured small business loan.
Who is eligible to apply for a secured small business loan?
To be eligible for a secured small business loan, you generally need to be a registered Australian business with verifiable revenue and ownership of a qualifying asset. Lenders also consider your business’s trading history, the value of your collateral, and your ability to make regular repayments. A secured small business loan is especially beneficial for business owners who may not qualify for large unsecured loans due to limited credit history.
How much can I borrow with a secured small business loan?
The amount you can borrow through a secured small business loan depends on the value of your collateral and your business’s financial profile. Typically, lenders may offer up to 70 to 90 percent of your asset’s value. This means if you own commercial property worth $500,000, you could potentially borrow $350,000 or more. A secured small business loan is ideal for larger funding needs such as expansion, property purchase, or major upgrades.
Are interest rates lower with a secured small business loan?
Yes, one of the biggest advantages of a secured small business loan is access to lower interest rates. Since the loan is backed by an asset, the lender’s risk is reduced, which often results in more competitive interest terms. This makes secured small business loans a cost-effective way to access capital, especially when compared to high-interest unsecured loans or credit cards.
How long are the repayment terms for a secured small business loan?
Repayment terms for a secured small business loan are typically longer than those of unsecured loans. Terms can range from one year to as much as 10 or even 20 years, depending on the asset type and loan amount. This extended repayment period can make managing your monthly cash flow easier and give your business the flexibility it needs to grow steadily.
Will applying for a secured small business loan affect my credit score?
Applying for a secured small business loan may result in a temporary credit inquiry, which can have a minor and short-term impact on your score. However, once the loan is approved and you make timely repayments, it can improve your credit profile over time. Moreover, using a secured small business loan to consolidate higher-interest debt can enhance your financial standing overall.
Can I get a secured small business loan with bad credit?
Yes, one of the benefits of a secured small business loan is that it may be accessible to borrowers with average or even below-average credit. Because the loan is backed by collateral, lenders may be more willing to work with you. If your business has steady revenue and your asset has sufficient value, a secured small business loan could still be within reach.
How fast can I get approved for a secured small business loan?
Approval for a secured small business loan can vary depending on the complexity of the collateral and the completeness of your application. However, many lenders including Arc Business Loans offer fast digital applications with approvals possible in just a few days. The clearer your documentation, the quicker the funding process.
What can I use a secured small business loan for?
A secured small business loan can be used for a variety of growth-oriented or operational needs. Common uses include buying commercial property, investing in new equipment, hiring staff, refinancing existing debt, or funding renovations. With larger loan amounts and longer terms, a secured small business loan gives you the flexibility to plan big and act fast.
What Our Clients Say
Real Businesses, Real Success Stories
At Arc Business Finance, we take pride in helping businesses achieve their financial goals. Here’s what our satisfied clients have to say about their experience:
I was hesitant to take on a large loan until I learned about a secured small business loan. Arc Business Loans helped me leverage the commercial space I owned to access the capital I needed for a full-scale renovation. The process was smooth, the rates were far better than any unsecured option I explored, and the repayment terms were flexible enough to suit my cash flow. It truly felt like a partnership, not just a transaction.
Our construction firm needed heavy equipment to scale operations, but equipment financing alone wasn't covering everything. That's when we looked into a secured small business loan with Arc Business Loans. We used our warehouse as collateral and were approved quickly. The funding allowed us to take on bigger projects, hire more staff, and grow revenue significantly. I highly recommend this approach to any business that wants to grow responsibly.
When we planned our second retail location, we knew we needed substantial funding, but didn’t want to sacrifice our cash flow. Arc Business Loans guided us through securing a secured small business loan using our delivery vehicles as collateral. Not only did we get a better rate than with our previous lender, but we also got a higher loan amount than expected. The team was transparent, quick to respond, and genuinely helpful.
As someone who had been turned down for unsecured finance in the past, I didn’t think I had many options. Then I came across Arc Business Loans and their secured small business loan. By using my office property as security, I was able to access the funds needed to consolidate my business debts into one manageable loan. It lowered my monthly payments and improved my overall financial stability. I finally feel back in control.
I was looking to upgrade my salon and expand into beauty training services. Arc Business Loans offered a secured small business loan that was perfect for my goals. Using some owned salon equipment and a small investment property as collateral, I was able to secure a great deal with a longer repayment term. The best part? I didn't feel rushed or overwhelmed. Every step was explained clearly and the funds came through quickly.
Securing funding for business growth always felt like a stressful experience until I applied for a secured small business loan through Arc Business Loans. I used my commercial vehicle fleet as collateral and was able to access a large amount at a low rate. I reinvested into marketing and new service lines, which boosted our sales dramatically. This type of loan gave me the breathing room and resources I needed to move forward.
