Who we fund
Business owners
As a business owner, the capital you need is often already sitting in property you own - your premises, an investment property, or a director-held asset. Lienhouse helps you raise it for a business purpose, read on the equity and a clear exit rather than two years of lodged tax returns. Indicative terms, structured properly, subject to assessment.
Raise capital against what you've built.
The amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction. Reply to it and they’ll be in touch.
- No cost and no obligation. An enquiry is not a commitment to anything.
- We match you with a funder and email you their introduction. Reply to it and they take it from there.
- Your details stay with us until you reply to the introduction.
Enquire
Send an enquiry
Takes two minutes.
If you own property and run a business, you can usually raise capital against that equity for a business purpose - without refinancing a facility you want to keep, and without producing two years of lodged financials.
When the bank reads your tax return, not your business
A bank decline on business finance is usually a policy-fit problem, not a credit problem. The major banks have pulled back from smaller business lending, tightened documentation, and lean on a servicing calculator that often understates a healthy trading business - and even a clean file can sit in a 21-to-35-day queue. For an owner-operator whose lodged returns lag where the business actually is, that is the difference between a yes and a no on the same deal.
Asset-secured lending starts from the other end. It reads the property, the equity going in, the purpose, and whether the exit is real - so a strong business with imperfect paperwork can still move quickly.
How owner-operators raise capital against what they own
The right structure depends on the asset and the job. To release equity from a property you already own - premises, an investment property, or a director-held asset - a second mortgage or equity release sits behind your existing first facility, so there is no refinance. Where speed is the priority, a caveat loan is the lighter, faster path for short-term needs. To put a new senior facility in place, or to buy your own premises, a low-doc first mortgage is read on the asset with alternative evidence such as BAS or bank statements rather than full returns.
Whichever fits, the borrowing is business-purpose and structured around the entity that holds the title - a company, a trust, or you as director. Indicative terms run from around 0.975% per month for equity behind a first facility, up to roughly 75% combined LVR, on amounts from $50k to $5m - representative ranges, subject to assessment.
What we’ll need
Less than a bank asks for. The property and its rough value, your existing first facility if there is one, the amount and purpose, and a clear exit - a sale, a refinance, or trading cash flow. From there we confirm the position, the indicative terms and the structure that fits.
- Owner-operators with equity in premises, an investment property or a director-held asset
- Self-employed directors whose lodged tax returns lag a strong trading position
- A clear business purpose and a realistic exit - sale, refinance or trading cash flow
- Consumer or owner-occupier home borrowing (business-purpose only)
- Owners with no usable equity and no realistic exit
- Anyone needing unsecured cash-flow funding with no asset behind it
Sounds like your situation?
Tell us the amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction.
How it compares
FAQ
Can I borrow against my home if I own the business?
Often yes, where the borrowing is for a business purpose. A director-held residential property can sit behind a business-purpose facility, structured around the entity that holds the title. It is assessed as commercial, business-purpose lending - not a consumer home loan.
Do I need full financials or tax returns?
Not always. Many owner-operator facilities are read on the asset and a clear exit, with lighter evidence such as recent BAS or business bank statements rather than full lodged returns. We confirm what your file needs upfront.
What if my business holds the property through a company or trust?
That is common and well-handled. The facility is structured around the entity on the title - see our companies and trusts pages - and the borrowing stays business-purpose throughout.
How fast can it settle?
Often within days once we have the security details, the rough numbers and a clear exit. A caveat-based facility is usually the quickest path; a registered mortgage takes a little longer.
Raise capital against what you've built.
No cost, no obligation. The form is back up the page and takes two minutes.