Business Loans

Secured business loan

With quick turnaround times and competitive rates, our secured business loan solution could help you reach your goals sooner.

Liberty Business loans

Fast funding to help your business grow

Backed by a number of accepted securities, our secured business loan is an ideal solution for growing businesses.

  • Loans up to $2M*

  • Flexible security options

  • Up to 30 year loan terms

  • Rates from 8.70% p.a.

Easy to understand features, variables and fees


Maximum loan amount*
Minimum loan amount
Minimum loan term
12 months
Maximum loan term
30 years
Principal & interest
Interest only^
Repayments - Weekly, fortnightly, monthly

Loan variables

Security - determined on application assessment
Time in business - no minimum required
Loan purpose - Includes working capital, inventory purchase, property purchase, equipment purchase, business acquisitions, refinance (including tax debt)****


Loan establishment fee**
$1,950 or 1.25% of loan amount, whichever greater
Discharge fee
Deferred facility fee***
2% payable
Service fee
$30 per month
Valuation fee
At applicant’s cost

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

Request a call back

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

Our innovation and flexible solutions have helped over 850,000 free thinkers.

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When others see the impossible, we look past that and see what we can achieve together.

We’ve helped more than 850,000 customers get financial.

Supporting free thinkers from diverse backgrounds for over 25 years.

Proudly B Corp certified to make a difference beyond borrowing.

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Frequently asked questions

  • A business loan is designed to provide the funds you may require to grow your business. A business loan can be used to pay for equipment, tools, stock, start-up costs, or even to help pay your staff. With a range of free-thinking business lending options, Liberty has solutions to suit the needs of businesses of all shapes and sizes. And, our experienced business specialists can guide you through the application process and help ensure a timely approval for your business loan.

  • To apply for a business loan, you may need to provide your current business details as well as an outline of how you intend to use the funds. Documentation requirements can vary based on the type of business loan you are looking for. If you select a business loan with no mortgage security, we may need extra information about your business financials, including financial statements. For support to review your options and determine which option is right for you, a Liberty Adviser can help.

  • If you’re looking to grow your business, a business loan can be an excellent tool to help you take the next step forward. If you’ve just started out, a business loan can support you to cover the initial start-up costs and help to get things moving. Or, if you have an established business, a business loan can support you to expand your operations, upgrade your equipment or cover any extra expenses. Whatever your goals, Liberty’s free-thinking business loans can help you achieve them, sooner.

  • At Liberty, we don’t believe your past should affect your future, that’s why we look at an applicant’s whole story to find more ways to get to yes. Even if you have a history of bad credit and need a loan to help your business grow, reach out to Liberty today and see if we can help. You might be surprised at the options available to you.

  • Residential and commercial property is commonly used as security for a secured business loan. Depending on the lender, you may also be able to use equipment, inventory, accounts receivables or other assets or even provide a personal or corporate guarantee. When you offer an asset as collateral, the business loan is secured by the equity of that asset. If the loan can’t be met, the lender may rely upon these assets to clear the outstanding balance, interest, or fees.

  • A secured business loan requires physical security, which may come in the form of property, inventory, accounts receivables or other assets. If the loan can’t be met, the lender may rely upon these assets to settle the outstanding balance, interest or fees. An unsecured business loan doesn’t require physical assets as security. Instead, lenders will often look at the strength and cash flow of your business as security.

  • Applying for a business loan doesn’t need to be daunting. A good starting point is to seek out the services of an experienced business finance broker. You want someone who understands what you’re trying to achieve and can help ensure your loan application is approved. Contact a Liberty Adviser to see how they can help you with a secured business loan today.


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Experts in free-thinking finance

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Other loans you might like:

Flexible business loan

Get the funds you need without mortgage security.

  • Loans up to $2M*
  • A flexible loan with no mortgage security needed
  • Ideal for growing businesses
  • Up to 5-year loan terms



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Low doc business loan

Access the funds you need without all the paperwork.

  • Loans up to $2M*
  • Secured against commercial or residential property
  • Alternative income verification
  • Up to 30-year loan terms



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Business line of credit

Access to credit when you need it most.

  • An approved line of credit loan
  • Ideal for all kinds of business borrowers
  • Improved cash flow benefits
  • Access funds when you require them



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Things you should know:

*Loan amounts may vary based on information provided.

^Interest only available for a maximum of 3 years at an additional interest rate loading of 0.50%.

**Fee can be capitalised into the loan.

***Applicable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement.

****Additional documentation may be required upon assessment.