Debt Consolidation
What is a Secured Debt Consolidation Loan?
A secured debt consolidation loan is a strategic financial tool that allows your business to roll multiple high-interest or short-term liabilities into one structured facility. Unlike unsecured consolidation, this loan is backed by the equity in your commercial or investment property, allowing for more competitive rates and sustainable terms.
Many successful Australian businesses find themselves managing a “debt web”-juggling equipment finance, merchant cash advances, and high-interest credit lines with conflicting schedules. At PBL, we use our own money to clear these obligations, replacing financial noise with a single, transparent repayment plan tailored to your business’s actual cash flow.
The Benefits of Consolidating with PBL
Managing scattered debt isn’t just a financial burden; it’s a drain on your time and focus. Consolidating your business liabilities into a first or second mortgage through PBL provides immediate operational advantages:
- Lower Your Interest Expenses: Replace expensive, short-term “non-bank” debt with a property-secured facility starting from 10%.
- Unlock Immediate Cash Flow: By restructuring your debt into a single 1 to 12-month term, you reduce the monthly “burn rate” and give your business breathing room.
- Total Management Simplicity: Say goodbye to multiple payment portals and due dates. You deal with one lender, one schedule, and one direct point of contact.
- Protect Your Credit Profile: Consolidating allows you to stay ahead of obligations, preventing the missed payments or arrears that occur when managing too many scattered facilities.
- Rapid Resolution: With our internal evaluation team and 150K to 10M capacity, we can often finalize a consolidation plan and fund it within 24 hours.
Why Choose Property Based Lending?
As a direct lender with over 30 years of experience, we specialise in providing first and second mortgage solutions that traditional banks often overlook.
- Fast Funding, Often Within 24 Hours: Our internal property evaluation team streamlines approvals, often providing funding within 24 hours to meet urgent business deadlines.
- Direct Lender Certainty: We use our own capital and do not syndicate deals to outside investors, meaning you deal directly with the decision-makers.
- Flexible Loan Amounts: We provide loans from 150K to 10M, tailored specifically to your company’s repayment capacity and growth goals.
- Specialist Expertise: Benefit from 30 years of private lending experience in the Australian market, with rates starting from 10%.
- Transparent & Upfront: We pride ourselves on clear pricing and terms – no surprises, just straightforward business solutions.
Take Control of Your Business Finances
At Property Based Lending, we make the process fast, transparent, and tailored to your needs.
Contact our team today for a confidential, no-obligation assessment and discover how a Secured Debt Consolidation Loan can help you regain financial clarity and focus on growth.
First Mortgage Finance
Gain access to capital by using your property’s title as security — a straightforward way to unlock funds at competitive rates.Learn more
Second Mortgage Finance
Tap into your property’s existing equity for additional funding, all without needing to refinance your current loan.Learn more