Yandina, QLD
Refinance business cash-flow debts
$300,000 against a $1,150,000 property · 63.5% combined LVR · 6 months
Representative image. Location, property and figures changed.
Affiliate partner program
Business loan affiliate program: promote Australia's fastest and most flexible first and second mortgage loans
HomeSec's affiliate program lets marketers promote secured business loans from $20,000 to $5,000,000 to Australian business owners with equity in real estate. First and second mortgages can fund in as little as 24 hours from a clean, complete scenario, with no repayments for up to the first six months. Our team handles every enquiry.
Become an Affiliate Partner Ask us first
On the registration form, choose Referral in the Program list.
Why this is an easy offer to promote
Most business-finance offers send a visitor to a lender that will ask for financials, tax returns and a clean credit file. The business owners who search for help are very often the ones who cannot give those, and who own property. That is the audience this offer was built for.
The answer when cash-flow lenders say no
If the client has real estate security, or equity in it, we lend against the property rather than the turnover. A knock-back from a bank or an online cash-flow lender is where the conversation starts.
No payments for up to the first six months
Interest can be capitalised for up to six months, so there are no repayments for up to the first six months. For an audience that is short of cash, it is the line that gets the click.
Fast, from a complete scenario
First and second mortgages can be funded in as little as 24 hours from a clean, complete scenario. Speed is what a business owner with a deadline is searching for.
Flexible by design
$20,000 to $5,000,000, an open term you choose, interest-only or capitalised repayments, no daily or weekly direct debits, and early repayment with no penalty.
First and second mortgages
A second mortgage leaves the client's existing loan alone; a first mortgage pays it out. Both are secured against real estate, up to 80% LVR residential and 70% commercial.
Anywhere in Australia
Capital cities, regional towns and rural property. We do not fund construction, and we do not lend to buy a home to live in, which keeps the offer clean for your audience.
Match the audience to the page
The offer converts best when the visitor lands on the page that describes their own problem. These are the audiences we see most often and the HomeSec page that speaks to each.
| If your audience is | The angle | Send them to |
|---|---|---|
| Declined by a bank or cash-flow lender | Equity in real estate answers the question the lender could not | Declined for a business loan |
| Behind on an ATO debt or payment plan | A secured loan can pay the ATO and give the business room | Help with an ATO debt |
| Defaults or a bad credit file | We assess the property, the purpose and the exit | Bad credit business loans |
| No financials or tax returns | Property-secured, no financial statements to apply | No doc business loans |
| Tradies and builders waiting to be paid | Fund the gap while the claim is outstanding | Business loans for builders |
| Needs money by a date | A second mortgage leaves the existing loan where it is | Fast second mortgages |
| Property investor or developer | First mortgages over a site or building already standing | First mortgage business loans |
| Stuck in daily debits | Pay out a merchant cash advance and stop the daily debits | Getting out of a cash advance |
What your audience will see: recent loans we have funded
Proof sells the offer. The examples page is updated monthly with first and second mortgages we have recently funded, with the property value, the combined LVR, the term and the purpose. Details are changed to protect clients. A few of them:
Brunswick, VIC
Pay out a lender in arrears and an ATO payment plan
$700,000 against a $1,350,000 property · 51.9% combined LVR · 12 months
Representative image. Location, property and figures changed.
Palmerston, NT
Stock and staffing ahead of the peak trading season
$200,000 against a $980,000 property · 59.2% combined LVR · 6 months
Representative image. Location, property and figures changed.
How the affiliate program works
Step 1
Register
Fill in the partner registration form and choose Referral in the Program list. Affiliate and referral partners share one form.
Step 2
Get your link and tools
Your unique link and iframe code carry your partner code, so every enquiry is tied to you. The portal also holds marketing tools.
Step 3
Promote
Put the offer in front of business owners with equity in property. Send them to the page that fits their problem; the table above maps them.
Step 4
We take it from there
Our team follows up every enquiry, start to finish, and you can watch what your traffic is producing in real-time reporting.
- A partner portal to track every lead you refer
- Real-time reporting, so you can see what your traffic is producing
- A customised link to our online Short Application Form, and iframe code to embed it on your site
- Marketing tools to help generate leads
- A sales team you can call on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time
Promoting HomeSec responsibly
- Business and investment loans only. Not a loan to buy or refinance a home to live in, not construction, not invoice finance and not unsecured loans.
- Do not promise approval or quote a rate. Every application is subject to assessment and approval, and the terms are set by the Lending Manager.
- Say you may be paid. Tell your audience clearly that you have a commercial relationship with HomeSec.
- Send people to the page that fits. The table above, and the guides, are written to answer the question your visitor already has.
Are you a broker rather than a marketer? The broker program has its own application and portal. Not sure which of the three partner programs suits you? Compare them here.
Affiliate program questions
What is a business loan affiliate program?
A business loan affiliate program lets a marketer, publisher or creator promote a lender's loans to their audience and be tracked on every enquiry that comes from them. With HomeSec you promote secured business loans from $20,000 to $5,000,000 to Australian business owners who own, or have equity in, real estate. We take every enquiry from there.
Who can become a HomeSec affiliate partner?
Affiliate and digital marketers who can put business-finance offers in front of Australian business owners: finance bloggers and publishers, comparison and review sites, YouTube and LinkedIn creators, email newsletter owners, community and forum moderators, and agencies running search or social campaigns. You do not need a finance licence to refer, because you introduce and we do the lending.
What do I actually promote?
First and second mortgage business loans against real estate: the answer for the business owner whose bank or cash-flow lender has said no, who has equity in property, and who needs money quickly. The loans are open term, can be funded in as little as 24 hours from a clean, complete scenario, and can come with no repayments for up to the first six months because interest can be capitalised.
Which audiences convert best?
The ones with a problem a property-secured loan solves: business owners declined by a bank, owners behind on an ATO payment plan, tradies and builders waiting on payment, owners with defaults on their credit file, and property investors and developers who need to settle on a date. The table on this page maps each audience to the page we would send them to.
How are leads tracked?
You get a unique link and iframe code that carries your partner code, so every enquiry is tied to you. A partner portal shows what is coming in, with real-time reporting on every lead you refer.
What does the program pay?
We discuss the terms with approved partners directly, not on a public page. If you want to know before you register, use the form on the partner page and a member of the sales team will call you.
What are the rules for promoting HomeSec loans?
Promote business and investment loans only, never a loan to buy or refinance a home to live in, and never construction, invoice finance or unsecured loans, which HomeSec does not offer. Do not promise approval or quote a rate; every application is subject to assessment and approval. Tell your audience clearly that you may be paid if they apply.
Can brokers and accountants use this page too?
Brokers have their own program, with a separate application and portal; see the broker page. Accountants, advisers and others who introduce clients occasionally are usually a better fit for the referral partner program on the partner page, which shares a form with this one.
What you would be promoting
Reviewed by Paul Stone, Joint Chief Executive