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Video · 0:29

The exit strategy: how a property-secured business loan gets repaid

0:29 · Posted 5 November 2026 on the HomeSec YouTube channel

The part of a property-secured business loan to settle before you borrow: how it is repaid. The three usual exits — selling an asset, a payment you are waiting on, or a refinance once the bank is ready.

In short
  • Before you borrow against property, know how the loan will be repaid. Lenders call it the exit, and it decides more files than the credit history does.
  • Most exits are one of three: selling an asset, a payment you are already waiting on, or a refinance once the bank is ready.
  • The exit only has to be able to happen within the term, and at HomeSec the term is open.
  • There is no fee for repaying early, so the loan can end the day the exit arrives.

Why the exit comes first

A loan secured on property is assessed on three things: the equity in the real estate, the business purpose of the money, and how the loan will end. The first two are usually easy to establish. The third is where a lender learns whether the loan is solving a problem or postponing one, which is why the video calls it the most important part of the loan.

The three exits, and what each one needs

  1. A sale. Property, stock or another asset. The asset sold does not have to be the one the loan is secured against. What helps: a listing, an agent's appraisal, or a contract already exchanged.
  2. A payment you are waiting on. A large contract, a certified progress claim, a tax refund. What helps: the contract or claim itself and a realistic payment date. The builder example is exactly this exit.
  3. A refinance once the bank is ready. Common when the bank will lend but not in time, or will lend once a tax debt or an arrears problem is cleared. What helps: the bank's indication, or a broker who is already working on it.

How the term fits around the exit

Many lenders set a fixed end date and charge to move it. HomeSec's term is open, so the loan is shaped around the exit rather than the other way round: there is no minimum term, no maximum term, no fee to extend and no penalty for repaying early. When the sale settles or the payment lands, it repays the HomeSec loan and the security comes off.

Read the transcript

The most important part of a short-term business loan, how you get out of it. Most get repaid one of three ways. A sale of property, stock, or an asset. A payment you're waiting on, like a big contract or an ATO refund, or a refinance once the bank's ready. Know your exit before you borrow. HomeSec has no early repayment fees. HomeSec Business Finance. Australia's fastest and most flexible business loans.

Transcribed from the recording's own captions, with the spelling of HomeSec and ATO corrected. The term of a HomeSec loan is open, as the published terms above set out.

Questions people ask next

What counts as a good exit strategy?
One that is already in motion and can be shown on paper: a property or asset listed for sale, a signed contract or certified claim with a payment date, or a refinance a bank is working on. An intention without a document behind it is the most common reason a file slows down.
What if my exit takes longer than planned?
Tell us early. The term is open, with no minimum and no maximum, and there is no fee to extend. An extension is assessed and agreed in writing before it applies.
Do I need an exit if I am using the money for a tax debt?
Yes. Clearing an ATO debt is the purpose, not the exit. The exit is still how the loan is repaid: often a refinance with a bank once the tax debt is gone, a sale, or trading. Paul's tax debt video walks through all three.
The full guide

The video is the short version. The written guide has the detail: the four tests a business loan application is assessed on.

To talk it through about your own property, ring a Lending Manager on 1300 93 83 87, Mon–Fri, 8:30am – 5:30pm Melbourne time.

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