Business Loans
Consolidate business debt against property — one repayment.
Roll multiple business debts into a single property-secured facility on cleaner terms — placed across our panel.
One facility, one repayment, clearer terms.
Business debt has a way of piling up — a short-term loan here, a tax bill there, a maxed line of credit and a few high-rate facilities. As a brokerage rather than a lender, X Private places deals, it doesn't fund them: we arrange property-secured debt consolidation and place it with the right funder from our panel of 50+ non-bank and private lenders, rolling the lot into one cleaner facility.
Securing the consolidation against property typically means a lower blended rate and a single, manageable repayment, which frees up cashflow and simplifies the books. This is business-purpose finance for owners with an ABN and real property security.
We look at the full picture, structure the facility around the equity available and your trading, and place it with a lender comfortable taking out your existing debts. Indicative answer within 24 hours.
Why consolidate through X Private.
One repayment
Replace a tangle of facilities with a single, manageable, property-secured repayment.
Lower blended rate
Property security typically prices well below high-rate unsecured and short-term debt.
Free up cashflow
A cleaner structure can reduce total repayments and ease day-to-day pressure.
Clear tax and arrears
Roll ATO debt, supplier arrears and short-term loans into the consolidation.
1st or 2nd position
Structured as a first mortgage or behind your existing loan, depending on the equity.
Fast, sensible placement
Indicative answer in 24 hours from lenders comfortable taking out your existing debts.
What we consolidate.
Property-secured consolidation of genuine business debt. Common scenarios:
- Multiple short-term or private business loans
- High-rate unsecured business facilities
- ATO and tax debt
- Supplier and trade arrears
- A maxed-out business line of credit
- Equipment and asset finance balances
- A maturing bridge plus other debts
- Tidying the balance sheet before a refinance
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we place property-secured consolidation with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. This consolidates business debt secured by property — not personal debt or an owner-occupied home loan.
Yes. Tax and ATO arrears are commonly rolled into a property-secured consolidation, clearing the pressure and replacing it with a single repayment.
Often, yes. A property-secured rate usually sits well below high-rate unsecured and short-term debt, so consolidating can reduce your blended rate and total repayments — we'll show you the numbers.
Yes, where there's equity. We can arrange a second mortgage to consolidate without refinancing a good first-mortgage rate, or a fresh first mortgage if that works out better.