Private business lending, secured by property
Business funding that’s fast and grows from the equity you’ve built in your property.
Loans from $20,000 up to $20,000,000
Leaf Lending arranges short-term private loans secured by first mortgage, second mortgage or caveat — for Australian business owners who need a decision on the merits of the deal, not a bank’s checklist.
- First mortgages, second mortgages & caveat loans
- Loans from $20,000 up to $20,000,000
- Interest can be capitalised — no monthly repayments
- Conditional approval you can accept online
Loans we arrange
Secured on property. Built for business owners who need to move.
First mortgages
Short-term business funding secured by a registered first mortgage — including refinancing out of an existing lender.
First mortgages →Caveat loans
Fast, short-term funding secured by a registered caveat over property you own — your existing mortgage stays where it is.
Caveat loans →Second mortgages
Borrow against the equity behind your first mortgage, with a registered second mortgage as security.
Second mortgages →Short-term business loans
Bridge a gap, clear an ATO debt or seize an opportunity, then repay from a sale, refinance or cash flow.
Short-term loans →Equity first
We look at the property and the plan to repay. A tough year or a messy tax return doesn’t automatically end the conversation.
No repayments during the term
Interest can be capitalised for the loan term, so your cash stays in the business while the plan plays out.
Pay out early, pay less
Repay the full amount early and unused capitalised interest is credited back to you.
A person, not a portal
Call and talk to Tim directly. Your approval arrives as a secure personal link you can accept online.
Common questions
What can a Leaf Lending loan be used for?
Business purposes: paying the ATO, buying stock or equipment, settling a purchase, covering a cash-flow gap, bridging until a sale or refinance, or taking an opportunity that won't wait for a bank.
How much can I borrow?
Loans range from $20,000 up to $20,000,000, depending on the property, the equity available and the plan to repay.
What security do you take?
Australian property. Depending on what is already owing, the loan is secured by a registered first mortgage, a second mortgage behind your existing loan, or a caveat, together with a charge over the borrowing business.
Do I have to make monthly repayments?
Not necessarily. Interest can be capitalised for the loan term, so there is nothing to pay month to month, or paid monthly if you prefer.
What if I repay early?
Repay the full amount early and the unused portion of capitalised interest is credited back to you.
How do I receive my approval?
Your conditional approval arrives by email as a personal, secure link. You can read it, ask questions and accept it online.
Want a straight answer on your deal?
Call Tim or send the details by email. You'll get a clear yes, no or what-it-would-take — usually the same day.