Large business loans

By Shaun Johnson · Updated 25 October 2026

Borrowing $500,000 or more for growth, an acquisition, property or refinancing, through a panel of 100+ non-bank, private and bank lenders.

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In a nutshell

Large business loans, from about $500,000 into the millions, are available from banks, non-bank lenders and private lenders. Above a few hundred thousand dollars, most lenders want security, usually a first or second mortgage over residential or commercial property, although some non-banks lend up to $2 million or more unsecured to businesses with strong revenue. Banks offer the lowest cost and longest terms but want full financials; non-bank and private lenders move faster and are more flexible, at a higher cost.

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At a glance

Loan amounts: $500,000 to $10 million+
Security: Usually property; some unsecured to $2M+
Bank terms: Up to 25 to 30 years
Private lender terms: Usually 3 to 24 months
Documents: Usually full financials
Interest rates: Vary by lender and loan

What counts as a large business loan?

Most unsecured small business loans top out at a few hundred thousand dollars. Once you need $500,000 or more, for an acquisition, a new site, a large order, refinancing or growth, lenders look more closely at your financials and, in most cases, want security.

When a first or second mortgage might be necessary

For most loans above a few hundred thousand dollars, lenders want property security. A first mortgage over property with no existing loan, or a refinance of your current loan into one larger facility, gives the lowest cost and longest term. If you'd rather keep your existing home loan, a second mortgage lets you borrow against the remaining equity. Private lenders can also lend large amounts against property within days, as a bridge to longer-term finance. See business loans secured by property and second mortgage business loans.

Unsecured options for larger amounts

Some non-bank lenders lend $1 million to $2 million or more unsecured to businesses with strong, steady revenue, usually over terms of up to 5 years. Expect a higher cost than a secured loan, and directors' guarantees.

How to prepare

Up-to-date financial statements, tax returns and BAS
A clear plan for the funds and how the business will repay
Cash flow forecasts, especially for growth or acquisitions
Details of any property or assets you can offer as security
A list of existing loans and payout figures

A broker can help you present a large application well and approach only the lenders likely to say yes.

Eligibility and documents

What lenders usually look for

Revenue and cash flow that support the repayments
Usually 2 years or more of trading and financial statements
Property or other security for most loans above a few hundred thousand dollars
A clear purpose and, for short-term loans, a clear exit

Documents you may need

2 to 3 years of financial statements and tax returns
Recent BAS and business bank statements
Cash flow forecasts and a plan for the funds
Property details and statements for any existing loans

Requirements vary by lender. All lending is subject to each lender's credit criteria and assessment.

What lenders publish about larger loans

Here's a selection of what lenders publish about larger business loans. It isn't a full list of lenders or a ranking.

Equity-One lends $50,000 to $10 million on first or second mortgages to commercial borrowers, over 1 month to 3 years with interest-only repayments, and says borrowers can repay early without break costs. Profile →
Velociti Capital lends up to $2 million without property security, for businesses trading at least 3 months with $10,000 or more in monthly turnover. Profile →
Bizcap lends up to $7.5 million across its business loans. Profile →
IMB Bank lends $100,000 to $10 million over up to 25 years, secured by residential or commercial property. Profile →
Private Mortgages Australia offers short-term commercial loans of $250,000 to $5 million on first or second mortgages at up to 75% LVR, without relying on serviceability. Profile →
Platinum Mortgage Securities arranges property-secured business loans of $250,000 to $4 million, with larger loans on application, and says it gives decisions in principle within hours. Profile →
Balmain offers commercial loans of $500,000 to more than $100 million, secured against land, construction, property, equipment and debtors. Profile →

A sample of lenders, as published by each lender, checked 25 October 2026.

Bank, non-bank or private lender for a large loan?

Security

Bank: Usually property
Non-bank: Unsecured to about $2M+ with some; property for more
Private lender: Property

Speed

Bank: Weeks
Non-bank: Days to weeks
Private lender: Often days

Documents

Bank: Full financials
Non-bank: Bank statements to full financials
Private lender: Focused on the property and exit

Term

Bank: Up to 25 to 30 years
Non-bank: Up to 5 years unsecured; longer secured
Private lender: Usually 3 to 24 months

Cost

Bank: Usually lowest
Non-bank: Higher
Private lender: Usually highest

Bank, non-bank or private lender for a large loan?
	Bank	Non-bank	Private lender
Security	Usually property	Unsecured to about $2M+ with some; property for more	Property
Speed	Weeks	Days to weeks	Often days
Documents	Full financials	Bank statements to full financials	Focused on the property and exit
Term	Up to 25 to 30 years	Up to 5 years unsecured; longer secured	Usually 3 to 24 months
Cost	Usually lowest	Higher	Usually highest

Related guides

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FAQs

Questions about large business loans

Sometimes. Some non-bank lenders lend up to $2 million or more unsecured to businesses with strong, steady revenue; Velociti Capital, for example, lends up to $2 million without property security. Above that, most lenders want property or other substantial security.

Unsecured lenders size loans against your revenue and cash flow. Secured lenders also look at the value of the security, usually lending up to a percentage of the property's value. Your broker can estimate a realistic range before you apply.

Banks usually take several weeks for larger loans, mainly for credit assessment, valuations and legal work. Non-bank and private lenders can often move in days.

If you have strong financials, property security and time, a bank usually costs the least. If you need speed, lighter documentation or flexibility, a non-bank or private lender may suit better, and you can refinance to a bank later.

No. There's no cost to you for our service. We're paid by the lender when your loan settles, and there's no obligation to proceed.

This page is general information only and isn't credit, tax or financial advice. Lender details are taken from each lender's published information, checked 25 October 2026, and can change. All lending is subject to each lender's credit criteria and assessment.