Asset Based Lending
Need funding, but the banks keep shutting the door? You’re not alone.
Many Australian businesses are sitting on valuable assets like property, vehicles, and equipment, but still struggling with cash flow.
We help you turn those idle assets into working capital through flexible, fast, and smart asset-based lending solutions.
Whether you’re a growing business or facing temporary financial hurdles, our funding is built around what you have, not just your credit score.
What is Asset Based Lending?
Asset-based lending is a type of secured business loan which is backed by assets, such as real estate, machinery, vehicles, inventory, or unpaid invoices. It gives you access to funds by unlocking the value of what your business already owns.
This makes it ideal for businesses that are asset-rich but need quick access to cash for expansion, cash flow, or growth.
With a trusted asset-based lending broker like Realloans Australia, the process becomes faster, smoother, and entirely tailored to your needs.
What Can Be Used as Collateral?
Our asset finance brokers can help you leverage a wide range of business assets to secure your loan, including:
- Commercial Property – Offices, warehouses, and retail buildings
- Residential Real Estate – Director-owned or investment properties
- Inventory or Stock – Goods sitting in your warehouse or store
- Business Equipment & Vehicles – Machinery, trucks, tradie tools
- Receivables or Invoices – Unpaid bills from your customers
Whatever your business holds in value, we can help you turn it into funding quickly and efficiently.
Who is Asset Based Lending For?
Asset-based loans are perfect for businesses that:
- Own property, inventory, or equipment
- Need working capital but have poor or limited credit.
- Operate in asset-heavy industries like construction, transport, or wholesale.
- We are expanding and want to free up cash fast
- Want flexible lending terms based on real assets.
From small tradies to large-scale property developers, if you’ve got assets, we’ve got the finance.
Loan Features & Benefits
Here is why asset-based lending is gaining popularity:
- Loan sizes from $50,000 to $10M+
- Fast approvals and quick access to funds
- Flexible terms up to 36 months or more
- A credit score isn’t a dealbreaker.
- Funds can be used for anything business-related
- Often have lower interest rates than unsecured loans
With the right private lending broker, the process is strategic, not stressful.
How the Process Works
Getting started is easier than you think:
- Apply Online or Reach Out: Quick and easy, no piles of paperwork
- Asset Assessment: We arrange valuations and assess your eligible collateral
- Personalised Offer:Transparent terms, tailored to your needs
- Receive Funds: Usually within 2–3 business days.
As an experienced asset finance broker, we guide you every step of the way, with no confusing jargon, no false promises.
Why Choose Realloans Australia?
We’re not your average finance company; we’re your Asset Based Loans broker who fights for your business. Our team works closely with private lenders, specialists, and institutions across Australia to find funding solutions that other brokers often miss.
We have:
- Years of experience in asset-based lending in Australia
- Real relationships with asset-friendly lenders
- Fast turnarounds and custom deals
- Tailored private construction loan, logistics, manufacturing, and more
- Team of professional asset finance brokers, not a call centre script.
From day one, we focus on making funding work for you, not just getting it approved.
Ready to Use Your Business Assets to Access Capital?
Don’t let your assets sit idle. With Realloans Australia, you can tap into their value to fuel your business forward. Whether you need funds for growth, operations, or opportunities, our expert asset-based lending brokers are here to help.
Frequently Asked Questions
Q1: What Exactly Is Asset-Based Lending?
It’s a secured loan where your business assets, like property, inventory, or invoices, are used as collateral. It helps you turn existing value into liquid capital.
Q2: Do I Need Perfect Credit?
Not at all. With asset-based lending, your approval is based on asset value, not credit score.
Q3: How Much Can I Borrow?
Anywhere from $50,000 to several million dollars, depending on the asset’s worth and type.
Q4: What Industries Do You Work With?
We help businesses in construction, transport, warehousing, retail, and, basically, anyone with valuable business assets.
Q5: How Fast Is The Process?
Approvals can happen within 24–48 hours, with funding often released in just a few days.