Private business lending, secured by property
Business funding that grows from the equity you’ve built.
Leaf Lending arranges short-term private loans secured by caveat or second mortgage — for Australian business owners who need a decision on the merits of the deal, not a bank’s checklist.
- Caveat & second mortgage loans
- 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.
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.
What security do you take?
Australian property. Depending on what is already owing, the loan sits behind your existing mortgage as a registered caveat or second mortgage, 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.