Funding for
How we help
Most funding comes down to the job it has to do, clearing an ATO debt, covering a settlement gap, refinancing a maturing private loan, or buying commercial premises. Lienhouse funds the purpose, secured against property your company or trust already owns, and assessed on the asset and your exit rather than your income.
Lienhouse funds the purpose, not the product. You don’t have to know whether you need a caveat loan or a second mortgage - you tell us what the money is for, and we structure the loan against property your company or trust already owns.
The jobs we fund
The most common reasons businesses come to us fall into a few groups.
Pressure that’s moving. Paying out an ATO tax debt before enforcement escalates, clearing the debt behind a director penalty notice, paying creditors, or covering a payroll gap. The ATO has shifted firmly back to active recovery, and these situations move on short, fixed timeframes.
Timing. Bridging a settlement when funds are due in but not yet landed, buying before you sell, or funding a deal that closes this week.
Refinancing. Refinancing a maturing private loan before it expires, or consolidating high-rate caveats and second mortgages into one cleaner facility.
Growth and capital. Buying commercial premises, funding a development, buying stock or equipment, funding an acquisition, a shareholder or partner buyout, or simply releasing equity to redeploy.
Each of these has its own page with the detail; the four above are live now, and the rest are being built out.
How one loan reaches many jobs
The same instrument can do very different jobs. A caveat loan that pays out a tax debt this week is the same structure that covers a settlement gap or funds a quick purchase. A second mortgage that releases equity for growth is the same one that consolidates higher-rate short-term debt.
That’s why we start with the job, not the product. You describe the situation, the amount and the timeframe; we work out whether a caveat loan, a second mortgage, bridging or an equity release fits, and how it sits against your existing mortgage. The structure follows the purpose.
What every funding purpose has in common
Whatever the job, the assessment is the same. We look at the asset and your exit - how the loan gets repaid or refinanced - rather than your income or full financials. Funding is business-purpose only, for Australian companies and trusts. Indicative terms usually come back within 24 to 48 hours, and a clean file can settle in days. Every figure is representative and subject to assessment, and the rate ranges sit on the rates and fees page rather than being repeated per purpose.
What we’ll need to start
Four details get us to indicative terms: the amount you need, the security (the property and any existing mortgage on it), the purpose, and the timeframe. From there it’s light - a rates notice, photo ID and a current statement on any existing mortgage, only once an enquiry is progressing. No business plan, no full financials to begin. You can start it yourself or have your accountant make the introduction.
Common questions
Do I pick a loan product, or describe the problem?
Describe the problem. Tell us the amount, the property, the purpose and the timeframe, and we structure the loan around it - usually a caveat loan, a second mortgage, bridging or an equity release. You don't need to know which one fits before you enquire.
Is the funding always secured against property?
Primarily, yes. The funding is asset-secured - most often against property your company or trust already owns. Other assets can sometimes support a deal; the security and the exit are what we assess first, subject to assessment.
What kinds of purposes do you fund?
Business and investment purposes - paying out an ATO debt, refinancing a maturing private loan, bridging a settlement, buying commercial premises, releasing equity, funding stock or a deal. We fund companies and trusts on a business-purpose basis, not consumer borrowing.
How fast can funding move on an urgent purpose?
Formal terms come back within 48 hours, and a clean file can settle within 7 days. Where enforcement or a settlement date is moving, speed is the point, though every deal is subject to assessment.
Can my accountant start this for me?
Yes. Accountants often sit at the moment of need - a tax debt, a notice, a deal on the table. They can make a short introduction with the four details and step back; you deal with us start to finish.
Don’t see your situation?
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