Secured Business Loans

A Business Loan can help you fund company growth or finance a business initiative. Business Loan is available for business loans over $50,000 where the loan term is not less than one year. You have the choice of the following interest rate options:

  • Fixed rate (minimum loan amount $50,000). Can be fixed for between one and seven years (up to 10 years for agribusiness customers), protecting you from upward movements and providing the assurance of fixed payments.
  • Fixed rate residentially secured (minimum loan amount $100,000). Can be fixed for between one to five years. The interest rates are linked to the home loan fixed interest rates.
  • Variable rate. Allows you to benefit from downward interest rate movements and gives you the flexibility to redraw funds paid in addition to the minimum loan repayments.
  • Variable rate residentially secured. The applicable rate is the residential equity rate (does not move in line with the Home Loan Standard Variable Rate or Residential Equity Rate). This allows you to benefit from downward interest rate movements and gives you the flexibility to redraw funds paid in addition to the minimum loan repayments.

Flexible loan structuring

Your loan can be split between fixed and variable interest rates:
  • At the end of any fixed interest rate period, you have the option of switching from a fixed to a variable rate at no cost.
  • For a variable rate loan, you can switch to a fixed rate at any time at no cost.
  • Interest-only or principal and interest repayments are available.

Flexible terms

Terms range from one year up to 30 years (depending on the security provided) to help meet your funding needs.
You will be able to:
  • Manage your cash flow with flexible repayment options
  • Manage your interest rate risk by gaining flexibility around fixed and variable rates
  • Benefit from a fee-free redraw facility (variable rate loans only)


What our client say?

"I needed capital in June … but was turned down for a bank loan because of my credit score. S.P.K gave us the chance we needed, they stuck their neck out for us.”"
–Dave Wilkins (Ireland)

“With the lenders I’ve dealt with before, I could never get a straight answer on what it was going to take to borrow money, and exactly what it was going to take for me to pay it back. With S.P.K, it was awesome. Every question got answered, there was no red tape, it was straight to the facts…they understand small business.” –Rochelle Hunter Mosley, Owner of Salon 804 (Berlin)

“I already had an existing dry cleaning business in another city, and an opportunity came to expand. We tried to go through traditional banks and private lenders, and unfortunately the experience was very hard and the terms were harder. So I called Credibly, and within two days I was able to get the funds that I needed. We were able to improve our business and the process was very, very easy.” –Eli Kik, Owner of Somerset Cleaners (Atlanta)

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S.P.K
Level 10,
goztepe mah, Tanzimat sok
No 8/2, Kadikoy, Istanbul.
Email: info@spkinvestment.com
Link: www.spkinvestment.com