Borrow against equity in commercial or residential property for larger loan quantums and more competitive rates than unsecured financing typically allows.
What is an equity term loan?
A loan secured against the equity in a commercial or residential property, used for business purposes such as expansion, refinancing, working capital, or acquisitions. Because it's asset-backed, lenders can typically offer larger sums and longer tenures than unsecured business loans.
Who this suits
Business owners with property equity but limited unencumbered cash
SMEs needing larger loan quantums than unsecured facilities allow
Owners looking to refinance existing property loans at better terms while extracting equity for business use
What's typically required
Property valuation and title documents
Outstanding mortgage details, if any
Business and personal financial documents
ACRA profile
Because the loan is secured against property, it's worth understanding the terms fully — including what happens in case of default — before proceeding. We'll walk you through this clearly as part of the process.
Why Reliance Advisors
Property-backed business financing involves more complex structuring than unsecured loans. We coordinate valuation, lender matching, and paperwork so you get a clear like-for-like comparison of terms.