Get cash from your property without selling it
A secured loan lets you unlock cash and direct it into your business to grow working capital, open new branches, and launch new ventures.
Make your house, office building, or commercial property work as hard as you do.
Whatever you own, wherever it is, there's a lender for it
A family home, a commercial shophouse, farmland out in the provinces. Our panel is wide enough that there's a lender for your property, anywhere in the country.
Get matched, free
Two ways businesses use secured capital
Secured loans use your assets as collateral to unlock rates well below unsecured financing. Most businesses use that for one of two things.
Access new capital
Borrow against what you already own
Unlock a large share of your unencumbered property value for expansion, inventory, or equipment, turning a static asset into working capital without selling anything.
Refinance expensive debt
Swap a high rate for a low one
Replace costly unsecured loans with property-backed financing at a far lower rate. The interest you save each year often covers the cost of moving several times over.
Illustrative figures only. Actual rates, loan-to-value, and amounts depend on each financial institution partner's assessment.
A single lender can take months, and still say no. Not with Buhay.
Going to one lender at a time can drag on for months, and you can still be turned down with nothing to show for it. Buhay takes your file to several secured lenders at once, which spreads the risk and makes it far more likely you walk away with a real term sheet, sooner.
How the deal compares
On the parameters that decide your loan
Statement
| Alone | With Buhay | |
|---|---|---|
| Lenders engaged | 1 | Full panel |
| Time to a decision | Months | Weeks |
| Applications to file | One per lender | Just one |
| If a lender says no | Back to zero | Others still in |
| Rate you're offered | Take it or leave it | Competed down |
| Follow-ups chased by | You | Buhay |
| Bottom line | Slow & uncertain | Faster, better terms |
01 · Assess
Tell us about your property and what you need. We size up the borrowing power and the rate range you can realistically reach.
02 · Compete
Your file goes to every secured lender on our panel at once, packaged the way each one evaluates collateral, so they compete for you.
03 · Close
Compare the offers side by side and pick the one that fits. We coordinate the paperwork through to funding.
Secured is cheaper. Our network, cheaper still.
Secured rates already sit well below unsecured. And because our panel competes for your deal, a Buhay secured offer typically lands under the market average too.
Average annual interest rate · lower is better
Average unsecured
Going it alone
Average secured
One lender, market rate
Buhay network secured
Our panel competes for you
Illustrative averages, not a promise of any specific rate. Actual offers depend on each financial institution partner's assessment.
Ready to unlock your property's value?
Tell us about your property and a Buhay specialist will line up competing secured offers for you. You'll hear back within 24 business hours, and comparing them is free.