Aerial view of a regional Australian town's main street with farmland beyond

For mortgage and finance brokers

Private business loans for brokers

One lender for the business deals your clients bring you. Secured on property, business purpose only, $20,000 to $5,000,000, with conditional approval in as little as 15 minutes and funds in as little as 24 hours from a clean, complete scenario.

Run a scenario Partner with us

Or call the scenario desk on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.

15 minConditional approval in as little as 15 minutes, from a clean, complete scenario

24 hoursAs little as 24 hours to funds, from a clean, complete scenario

No valuerNo sworn valuation and no cash flow records

2004Lending continuously since 2004, from our own capital

What it funds

Six business needs a private loan solves

Mortgage and finance brokers meet these six deals constantly. Each one links to the page that goes deeper, and each can be sent to us as a scenario.

Cash flow

Working capital and the cash flow gap

Payroll, suppliers or a slow quarter. Equity in a property can fund it without financial statements.

ATO and creditor pressure

A garnishee, a payment plan or a director penalty notice. Cleared while there is still time.

Stock, plant, a site or an acquisition

A window that closes in days. A decision in minutes and funds in as little as 24 hours matter here.

No trading history at all

New entity, new ABN, nothing to show anyone. The property and the purpose carry the case.

A file the bank declined

Defaults, arrears or a thin credit file do not rule the client out here.

Country towns and rural holdings

Security a capital-city lender will not look at. Almost anywhere in Australia, metro, regional and rural.

An electrician loading a work van outside a suburban house

What a deal needs

Three things every private business loan needs

The shortlist. If your client has these, the scenario is worth a call, and the edge cases are usually the ones worth a conversation.

A borrower that is a business

A company, trust or sole trader, including start-ups, borrowing for a business purpose.

Property to secure it

Residential, commercial, rural or vacant land, first or second mortgage. A director's home can be the security.

A way out

How the loan gets repaid: a sale, a refinance, an incoming payment. Tell us on the first call, with the deadline.

For the full criteria, see the brokers page. The business-owner version is business finance.

A business deal to place?

Send the scenario with the purpose, the property, the exit and the deadline.

Run a scenario 1300 93 83 87 Partner login

Calculator

Price it with your brokerage

Enter your brokerage as a percentage or a dollar amount and see what the client receives.

Open the calculator → Partner with us

Referral partner or broker partner

Two ways to come on board. Pick the programme that suits how you work.

Partner with us →

Lodge or apply

Lodge a scenario or apply to partner

Lodge and track files in the HomeSec portal at app.homesec.com.au.

Run a scenario · Apply to partner · Portal login

Why brokers partner with HomeSec

Reliable for mortgage brokers and finance brokers since 2004

HomeSec treats brokers and their clients with fairness, respect, openness and transparency. Here is what that looks like on a deal.

Approval in as little as 15 minutesConditional approval in as little as 15 minutes, and often a verbal answer on the phone first. Funds in as little as 24 hours from a clean, complete scenario.
No valuationsWe don't use valuers and there is no sworn valuation, so there is no appointment to wait for.
No cash flow recordsNo financials, BAS or tax returns. We lend against the property and the exit.
A credit score does not decide the dealCredit history is considered and never disqualifying on its own. Defaults, arrears and thin files do not rule a client out.
A person decides every loanA Lending Manager reads every scenario and the credit team signs off every loan. We fund from our own capital.
Reliable, since 2004One of the longest-serving private business lenders in Australia. You do not stay that long unless you are doing the right thing by brokers and their clients.

Questions brokers ask about private business loans

What is a private business loan?

A business-purpose loan made by a private lender from its own capital and secured by a mortgage over property. HomeSec lends from $20,000 to $5,000,000, as a first or second mortgage.

What can a private business loan be used for?

Any business purpose: working capital, paying a tax debt, stock or plant, an acquisition or a refinance. Personal and domestic purposes are not HomeSec loans.

Does my client need financial statements?

No. No cashflow records, no sworn valuation, no financial records, no minimum trading period. We lend against the property and the exit.

How fast is a private business loan?

Conditional approval in as little as 15 minutes and funds in as little as 24 hours, from a clean, complete scenario. HomeSec is regarded as the fastest private business lender in Australia.

Can a start-up borrow?

Yes. A new entity with no trading history can borrow where there is property to secure the loan and a clear business purpose.

Do I need to be accredited to send a deal?

No. Call or email a scenario to the desk. The partner programme adds the portal, the co-branded tools and commission and trail terms.

Approval and funding times are from a clean, complete scenario. Loan terms, extensions and pricing are subject to approval and the loan documents.