When you’re buying or operating an aged care facility, timing rarely lines up neatly. Settlement dates don’t wait for approvals. Compliance work can’t be postponed. And staffing, suppliers, and essential upgrades keep moving whether your long-term finance has landed or not. That’s where bridging finance for aged care facilities fits: it gives you a short-term cash solution secured against property, so you can act now and refinance later. Contact us today to discuss your scenario.
What Bridging Finance Does Well in Aged Care
A bridging loan is designed for a specific job: cover a time-sensitive gap. In aged care, that gap is common because you’re balancing a regulated operating environment with property-driven transactions, multiple stakeholders, and strict timelines.
Here’s where bridging finance is typically most useful:
- Acquisition settlement certainty. If a vendor wants an urgent settlement, bridging finance can be the difference between securing the asset and losing it.
- Funding while a refinance is in progress. Long-term funding can take time due to valuation, due diligence, and bank credit cycles. Bridging gives you breathing room.
- Operational stability during transition. Even well-run facilities can face timing gaps when ownership changes, occupancy shifts, or expenses spike.
- Immediate capex and compliance works. Fire safety, accessibility, and refurbishment items are often non-negotiable. Waiting can cost more in delays.
- Opportunity capture. If you’re acquiring a second facility or expanding services, speed matters. A bridging solution can help you commit quickly.
Importantly, bridging finance is not about “more debt for the sake of it”. It’s about sequencing: you use short-term funding to meet a deadline, then exit via sale, refinance, or longer-term facility funding once the timeline pressure has eased.
Where Aged Care Borrowers Get Stuck
Aged care finance can stall for reasons that have nothing to do with your capability as an operator or investor. Common friction points include:
- Bank timeframes that don’t match settlement. A strong application can still take weeks.
- Complex security and valuation considerations. Specialist property can require more conservative lending treatment.
- Multiple moving parts. Legal, operational, and property workstreams often run in parallel, and one delay can affect all of them.
This is why borrowers use a secured business loan as a practical tool. They want certainty, not promises.
How Secured Lending Structures Bridging Finance for Aged Care Facilities
Our job is to make the process clear and fast, while keeping the structure sensible for your exit plan. We focus on property-secured lending, so the conversation is grounded in what you’re buying, what you’re holding, and how you’re exiting.
You’ll generally see us support aged care borrowers in two main categories:
Funding for Aged Care Facility Acquisition
If you’re acquiring a facility and need to meet a firm settlement date, we can coordinate a bridging loan so you can proceed while your longer-term strategy catches up. That may include:
- Bridging to settle while a bank refinance is underway
- Bridging to settle pending a sale of another property
- Bridging to settle while final approvals and documentation are completed
When you need fast, we focus on what matters: a clean view of the property security, the transaction timeline, and your exit.
Funding for Aged Care Facility Operations
Operational bridging is often about stability and control. You might need funds for short-term working capital, essential upgrades, or timing gaps during transition. Done properly, this helps you protect service continuity and avoid unnecessary disruption to staff and residents.
Speed and Certainty When Deadlines Matter
Aged care deals can be time-sensitive. If you’re facing an urgent settlement or a genuine emergency timing gap, speed is not a luxury. It’s the requirement.
Secured Lending is built for fast execution. Depending on the scenario, we can work toward same day settlement and funding within 24 hours. That doesn’t mean skipping due diligence. It means we run a tight process, prioritise the right documents, and coordinate directly so you’re not stuck in avoidable back-and-forth.
If your brief is “private lender urgent” funding to prevent a deal from collapsing, we understand the pressure and we know how to move.
Loan Sizes and Pricing That Match Real Transactions
Aged care facility transactions aren’t small, and your bridging lender needs to be able to match the scale.
With Secured Lending, you can borrow up to $10million for the right scenario. Pricing is risk-based, but we can offer an interest rate starting at 9.2% p.a on suitable files. The point of bridging isn’t to be the cheapest money in the market. It’s to be reliable money at the moment you need it most, with a clear exit.
For more information on commercial bridging finance, see our dedicated page.
Private Lender for Bridging Finance Australia Wide
As a private lender in Australia, Secured Lending is a non-bank lender and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That matters when you need action rather than committee delays, and when your facility is outside a single lender’s comfort zone.
You still get a structured approach. We review the security, confirm the timeline, and arrange a loan that is designed to be temporary, not burdensome.
How We Can Help
If you’re acquiring an aged care facility or keeping operations steady through a transition, we can help you structure bridging finance that matches your timeline and exit plan. We’ll review your scenario, coordinate the valuation and documentation pathway, and work toward fast outcomes when you have a settlement date you can’t move. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
FAQs
1. What can a bridging loan be used for in an aged care facility purchase?
Common uses include funding a deposit shortfall, completing settlement on time, and bridging while a longer-term refinance is finalised.
2. How quickly can Secured Lending fund a bridging loan?
If the file is straightforward and security is clear, we can work toward same day settlement or funding within 24 hours.
3. What security is required for secured business loans?
Our loans are secured by residential or commercial property. The property security is central to how we assess and structure the facility.
4. Can I use bridging finance to fund operations, not just acquisition?
Yes. Bridging can support short-term operational funding needs such as essential upgrades, timing gaps, or transition costs, provided the structure and exit make sense.
5. What loan size is available for aged care bridging?
Subject to the scenario and security, you may be able to borrow up to $10million.
6. What should I have ready to get assessed quickly?
A clear outline of the property being used as security, the purchase or funding timeline, the amount required, and your exit strategy (refinance, sale, or other planned repayment pathway).
