Funding for
Urgent working capital
Payroll is due Friday, a BAS or supplier deadline is on you, or a large invoice is still weeks out — and the cash is sitting in property, not the account. Lienhouse releases equity from property your company or trust already owns to cover the gap, secured and settled in days. It's assessed on your security and a clear exit, not on full financials.
Indicative only — subject to assessment. Placeholder figures.
When payroll or a deadline lands before the money does
Cash flow rarely fails because a business is unprofitable. It fails on timing. The wages run is due Friday, a BAS, PAYG or superannuation payment has a date on it, or a key supplier wants paying before they ship — and the money to cover it is real, but it is sitting in receivables 30 to 60 days out, or locked in property the business already owns. From 1 July 2026, payday super tightens this further: superannuation now goes out with every wage run rather than quarterly, so the payroll number is larger and lands more often. A bank can rarely turn around a working-capital facility inside the window that matters.
How releasing equity covers the gap
The capital is already on your balance sheet — in property. Lienhouse releases it. A second mortgage sits behind your existing mortgage and draws on the equity without touching or refinancing your first facility; where the deadline is inside days, a caveat over the title can move faster still. Either way the funds clear the immediate obligation, and the facility is repaid when the receivables land, the season turns, or a planned refinance completes. The assessment is on the security and a clear exit — not on full financials, a recent soft month or a single down quarter — which is why it can settle in days rather than weeks.
When this works — and when it doesn’t
This suits a genuine timing gap: the money is coming, it is just not here yet, and there is a clear, near-term exit. Used that way, short-term secured funding does exactly one job — it bridges the mismatch, then it is gone.
It does not suit an ongoing operating shortfall. If each month’s gap is really the business spending more than it earns, borrowing against the property only defers the problem and enlarges it — the debt grows while the underlying issue stays put. That is not a working-capital question; it is a restructure or turnaround conversation, and the honest first move is to have it with your accountant before taking on more secured debt. Saying so is the point: sometimes the right answer is not to borrow.
What we’ll need
The essentials, kept light: the property offered as security and its rough position behind any existing mortgage, the amount and how soon you need it, and the exit — when and how it is repaid. From there we confirm what’s possible against your security and come back quickly. Indicative terms are representative and subject to assessment; the full detail sits on the rates and fees page.
- Companies or trusts with equity in property and a genuine short-term timing gap
- A payroll run, BAS, super or supplier deadline landing before receivables do
- A clear, near-term exit — invoices due, a sale settling, or a refinance in train
- A business funding an ongoing operating loss rather than a one-off gap
- Owner-occupier consumer borrowers (business-purpose only)
- Anyone without a realistic repayment or refinance exit
How it compares
FAQ
How fast can funding for payroll reach my account?
Often within days once we have the security details and a clear exit. A caveat can move fastest when a deadline is inside the week.
Do you assess my financials or my trading?
The assessment is on the property security and a clear exit, not full financials — so a tight month or a recent loss need not stop it.
What can the funds cover?
A payroll run, a BAS, PAYG or super payment, a supplier deadline, or a short gap while receivables land — any genuine business-purpose working-capital need.
What if the gap is really an ongoing shortfall?
Then short-term secured debt only defers the problem. If the business is funding an operating loss rather than a one-off timing gap, the honest first step is a conversation with your accountant about a restructure, not more debt.
Is this consumer credit?
No — this is business-purpose lending to companies and trusts, secured against property, and it is not regulated consumer credit.
Cover the gap against your property.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
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