Need funding fast? When banks take too long, a short term lender can be the difference between growth and shutdown.
At Secured Lending, we specialise in fast, flexible short term business loans that are secured, straightforward, and designed for real-world business needs. This case study shows how we helped a regional NSW construction business bridge a critical cash flow gap using a bridging loan, secured by existing assets — and settled within 24 hours.
Loan Snapshot
Loan amount: $150,000
Loan type: Bridging loan
Lender: Short term lender (Secured Lending)
Purpose: Urgent business cash flow for payroll and suppliers
Security: Unencumbered equipment
Turnaround time: 24-hour approval, next-day funding
The Business Problem: Cash Flow Delay, Payroll Crisis
John runs a small construction business in regional New South Wales. Like many builders, his projects depend on tight schedules and reliable subcontractors. But when client payments were delayed, his business cash flow dried up. Payroll was due in five days. Suppliers were waiting. His options were limited — and the bank couldn’t help quickly.
If he missed payroll, he risked losing key contractors and triggering delays that would lead to contractual penalties. He needed fast funding to keep his team paid, his projects live, and his reputation intact.
The Solution: Asset-Backed Bridging Finance from a Short Term Lender
John turned to Secured Lending, a trusted short term lender in Australia. We assessed the situation immediately and structured a $150,000 bridging loan, secured against his unencumbered business equipment. This wasn’t long-term financing. It was strategic short term finance, used to plug a temporary cash flow shortfall while he waited for receivables due in 6–8 weeks.
No business plans needed
No drawn-out credit checks
No early exit penalties
The loan was approved within 24 hours and funded the next business day — a typical timeframe for non-bank short term lenders like us.
Why Short Term Lending Works When Banks Don’t
Traditional lenders often take weeks to assess applications. That delay doesn’t work when timing is critical. John’s experience highlights how short term business lending fills the gap when:
You’re waiting on late-paying clients
Projects are mid-stream and can’t afford delays
Traditional lenders are too slow or rigid
You need working capital fast without long-term debt
The repayment structure was clear: a 3-month term with fortnightly repayments. John repaid the loan in just two months — with zero penalty. That’s the kind of flexibility short term lenders offer, built around your timeline, not the bank’s.
More Than Just Fast Business Loans — Strategic Lending for Real Business Needs
What set this solution apart wasn’t just the speed — it was the understanding. As an experienced short term lender, we knew John didn’t need a five-year loan. He needed bridge financing for an immediate cash mismatch.
We offered a fast decision, structured around the asset, the timing, and the business narrative. That’s how we work across all industries — construction, manufacturing, logistics, and more.
Need a Short Term Lender Who Can Move in 24 Hours?
At Secured Lending, we specialise in short term finance solutions for Australian businesses. Whether it’s a bridging loan, caveat loan, or second mortgage, we provide fast, asset-backed loans with transparent terms and tailored repayment structures.
We’re not a bank — we’re a responsive partner that understands business moves fast, and sometimes you need capital to move even faster.
Get the funding you need. Fast. Reliable. Short Term.
