Loans
Asset-backed lending
Asset-backed lending is capital raised against an asset your company or trust already owns — primarily property — assessed on the security and a clear exit rather than full financials. It is the umbrella over a set of specific instruments: caveat loans, second mortgages, bridging, equity release and commercial mortgages. The right one depends on how fast you need it, how much, and how it is repaid.
Indicative only — subject to assessment. Placeholder figures.
Asset-backed lending is a category, not a single product — so this page sets out what it means and points you to the specific instrument that fits.
How asset-backed lending works
Asset-backed lending raises capital against an asset your company or trust already owns — most often property. The asset secures the loan, and the file is assessed on that security and a clear exit — a refinance, a sale, or trading through — rather than on years of financials. That assessment basis is what lets it settle in days where a bank, judging historical serviceability, runs weeks. It is business-purpose finance for companies and trusts, sized to the equity in the asset and the strength of the exit.
The instruments under the umbrella
“Asset-backed lending” is the term people search; the demand sits in the specific products underneath it. Where speed matters most, a caveat loan lodges against title and moves quickly. To release equity behind an existing mortgage without refinancing it, a second mortgage or broader equity release fits. For a settlement or refinance gap, bridging finance covers the timing. For senior security against commercial property, a first mortgage or private commercial mortgage applies. And for projects, development, construction, mezzanine, land and low-doc finance each carry their own structure. Start with the job, not the umbrella.
What every asset-backed loan has in common
Whichever instrument you reach for, the through-line holds: the asset and the exit do the work, not income or a long trading history; the borrowing is business-purpose, for companies and trusts; indicative terms come back in 24–48 hours; and clean files settle in days, not weeks. Combined LVR — the total of all borrowing against the asset — is usually the real constraint, commonly up to around 75% on suitable security and lower against bare land. All figures are representative and subject to assessment; the full ranges sit on the rates and fees page and on each product page.
Where it fits — and what we’ll need to start
Asset-backed lending suits a company or trust with real equity in an asset and a credible exit. It does not suit consumer borrowing, anyone without an asset to secure against or a realistic way to repay, or a strong, well-documented borrower with time to wait — a bank will usually price that more sharply. To start, we need the asset and the rough numbers, the amount and purpose, and the timeframe and exit. The documentation stays light until an enquiry is progressing.
- Companies and trusts with equity in property (or other assets) they already own
- Borrowers who need capital faster or more flexibly than a bank can move
- Business-purpose borrowing with a clear exit — a refinance, a sale, or trading through
- Owner-occupier consumer borrowers (business-purpose lending to companies and trusts only)
- Anyone without an asset to secure against or a realistic exit
- Strong, well-documented borrowers with time to wait, whom a bank will price more sharply
How it compares
FAQ
Is asset-backed lending the same as a secured loan?
Yes — it is capital secured against an asset you already own, most often property. The asset and a clear exit carry the file, rather than years of financials.
What can it be secured against?
Primarily property: commercial, residential held for business purposes, industrial, or land. The security and the exit do the work, not income or a long trading history.
Which instrument is right for me?
It depends on speed, size and your exit. A caveat loan is fastest; a second mortgage or equity release sits behind an existing mortgage; bridging covers a gap. The product pages set out each one.
Is it regulated consumer credit?
No — this is business-purpose lending to companies and trusts, not consumer credit. The borrowing entity and purpose sit outside the consumer credit rules.
How is the rate set?
By the instrument, the asset and the position. Short-term equity-release structures are usually quoted per month; senior structures per annum. Figures are representative and subject to assessment — full ranges are on the rates and fees page.
Raise capital against what you own.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
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