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Video · 1:10

Cash flow lender said no? Property-secured funding explained

1:10 · Posted 4 November 2026 on HomeSec's Vimeo channel · Captions available in the player (CC)

Paul Stone explains why a decline from an unsecured cash flow lender need not be the end: property-secured business funding is decided on the equity and the exit, not on the reasons a cash flow lender gave. Assessment and approval apply.

What Paul covers

A decline from an unsecured cash flow lender feels like a dead end, but if you own property it need not be.
The reasons a cash flow lender gives are about turnover, bank statements and credit score. HomeSec decides on the equity in your property and the exit instead, so there is no minimum credit score and no income verification.
The speed of the process, from the first enquiry to funds in your business account.
Interest can be capitalised for the first six months, so there are no scheduled repayments in that time, and the term can be extended.

The loan is for business or investment purposes, from $20,000 to $5,000,000, secured by real estate. Related guides: declined for a business loan, bad credit business loans and secured versus unsecured business loans.

What the video means, in our published terms

Funding time. Funds can be released in as little as 24 hours from a clean, complete scenario. Timing depends on the file, the title and settlement requirements, and is not guaranteed.
Six months. Interest can be capitalised for up to 6 months, so there are no scheduled repayments in that period. Interest is not waived: it accrues and is added to the loan.
Extensions. An extension is assessed and agreed in writing before it applies. There is no fee to extend.
Approval. Every loan is subject to assessment and approval, real estate security, fees and an acceptable repayment or exit strategy. Owning property does not by itself mean your loan will be approved.
Purpose and size. $20,000 to $5,000,000, for business and investment purposes only. Credit provided for those purposes is not regulated under the National Consumer Credit Protection Act 2009 (the NCCP Act), and the protections available to consumer borrowers do not apply.

Read the transcript

What if the rejection didn't matter because you had a completely different path for funding in under 24 hours? Getting knocked back by an unsecured cash flow lender feels like a dead end, but if you own property, it's not. Whatever the reasons were for the unsecured cash flow lender saying no, well, those reasons are totally irrelevant to us. HomeSec uses the equity in your property as security, which means no perfect credit score required, no income hoops to jump through. You own property, that's what matters.

And the speed is what most people can't believe. From the moment you inquire, you can have money in your business bank account in under 24 hours. It's built entirely for people who need to move fast and get out of a tough spot. Then, on top of that, you make zero repayments for the first six months, and it's extendable if you need more time.

If you've been knocked back and you own property, click Learn More. Sixty seconds to inquire, funding in under 24 hours, and nothing to repay for six months.

From the video's auto-generated English captions, with only the spelling of HomeSec corrected. The terms above are what applies to a loan.

The full guide

The video is the short version. The written guide has the detail: what to do after a cash flow lender declines, in full.

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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Reviewed by Jason Brockmuller, Joint Chief Executive

1300 93 83 87 homesec.com.au

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