When arrears start to build up, the issue is rarely a lack of assets or long-term capacity. More often, it’s timing. You might be waiting on a property settlement, a refinance approval, a business sale, or a large invoice run that hasn’t landed yet. In the meantime, loan or creditor arrears can trigger default notices, penalty interest, or restrictions that make everything harder. Contact us today if you need urgent support.
What Bridging Finance Does for Arrears Clearance
Bridging finance is short-term capital designed to solve a specific time-sensitive problem: you need funds now, because a bigger event is coming soon. For arrears clearance, that “bigger event” is typically a refinance, sale, settlement, or a planned restructure.
Used well, bridging can deliver three practical benefits:
- Stops the clock on pressure. Clearing arrears can halt enforcement activity, reduce the risk of a lender tightening terms, and remove distractions while you execute your next move.
- Protects the value of your position. If you’re forced to sell under pressure, you rarely get the price or terms you want. A clean-up loan can buy you time to sell properly, refinance properly, or negotiate properly.
- Restores credibility with stakeholders. Bringing accounts up to date can stabilise relationships with creditors, suppliers, and even your existing bank. It turns “we’re behind” into “we’ve addressed it.”
The key is to treat bridging as a tool, not a crutch. It works best when it’s tied to a clear exit strategy with realistic timelines and a structure that fits your situation.
Where Arrears Clearance Bridging Is Most Useful
In practice, the need for capital to bring loan or creditor arrears up to date usually appears in a handful of scenarios:
- Your bank loan is in arrears and you need immediate funds while a refinance is being assessed.
- You’ve had a short-term cash gap due to a delayed settlement, delayed invoices, or an unexpected tax or operating cost.
- You’re managing multiple creditor arrears and want to consolidate pressure into one controlled plan.
- You need an urgent settlement to prevent default escalation, protect a property transaction, or avoid reputational fallout.
In these moments, speed matters. The right lender and the right process can turn “weeks of uncertainty” into a structured, time-bound solution.
How Secured Lending Makes Arrears Clearance Practical
Arrears clearance is not just “give me money fast.” It’s a sequencing exercise. You need the right amount, paid at the right time, to the right parties, with clear evidence trails, and with an exit you can actually execute. That’s where our team focuses.
We Move Quickly When Time Is the Enemy
When arrears are involved, delays can cost more than interest. We structure deals for speed, including fast, same day settlement where it’s achievable and appropriate. In many cases, we can coordinate funding within 24 hours once the key documents, security, and payout figures are confirmed.
This is built for real-life urgency: default letters, creditor pressure, and time-sensitive settlements.
We Structure the Loan Around the Exit, Not Just the Security
A bridging loan should be short-term by design. We review your intended exit and structure the term and facility to match it. Common exits include:
- Refinance once arrears are cleared and the file is “clean”
- Sale of property with enough time to market properly
- Release of funds from a settlement or business transaction
- A planned restructure that needs breathing room
Our job is to coordinate the sequencing so the bridging loan solves the problem you have today without creating a bigger one tomorrow.
We Can Provide Meaningful Capacity When the Numbers Stack Up
If you’re clearing substantial arrears, you need a lender that can actually carry the requirement. Secured Lending can borrow up to $10million, depending on the scenario and security profile, and we offer secured business loan options designed for short-term needs.
Pricing matters too. We keep it transparent, with an interest rate starting at 9.2% p.a in suitable cases (final pricing depends on risk, security, and structure). The point is clarity: you should know the total cost of the bridge and the timeline to exit before you proceed.
Private Lender Options When Banks Can’t Move Fast Enough
Banks often have the appetite but not the speed, especially when arrears exist and credit teams need multiple layers of sign-off. If your situation is time-sensitive, a private lender urgent approach can be the difference between stabilising quickly and losing control of the timeline.
Secured Lending is a Private Lender in Australia, a non-bank lender, and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That national footprint matters when your security, settlement, or adviser team spans different states and deadlines don’t wait.
In an emergency, the goal isn’t to “beat the bank.” It’s to get the arrears cleared and the pressure reduced, so you can take the next step from a stronger position.
What the Process Typically Looks Like with Secured Lending
You don’t need a complicated process. You need a controlled one.
- We review your arrears position and confirm the payout figures required to bring accounts up to date.
- We assess the property security and the exit strategy.
- We propose a short-term bridging structure that matches the timeline.
- We coordinate settlement so funds go where they need to go, quickly, with a clean paper trail.
If speed is critical, we prioritise what matters: confirmation of arrears, security details, and the pathway out.
FAQs
Can bridging finance be used to clear both loan arrears and creditor arrears?
Yes. It can provide capital to bring loan or creditor arrears up to date, provided the overall structure and exit strategy are sound and the security supports the facility.
How fast can Secured Lending settle an arrears clearance bridging loan?
In suitable scenarios, we can deliver funding within 24 hours, and in some cases enable fast, same day settlement once documentation and payout figures are confirmed.
What security is required for an arrears clearance bridge?
These are typically structured as secured loans against residential or commercial property. The exact terms depend on the security profile and the size of the arrears being cleared.
Will clearing arrears help me refinance back to a bank later?
It often can. Bringing accounts up to date may improve your position for a refinance because it reduces active default risk and can stabilise your overall credit narrative, subject to the bank’s assessment.
How much can I borrow for arrears clearance?
Depending on your scenario, Secured Lending can borrow up to $10million. The limit is driven by the security value, existing debt, and the strength of the exit plan.
What does it cost?
Costs vary by risk and structure. Secured Lending offers pricing with an interest rate starting at 9.2% p.a in suitable cases, with final pricing confirmed after we review the full scenario.
How We Can Help
If you need to clear arrears quickly, the priority is simple: stabilise the situation, protect your options, and buy time for the right next step. Secured Lending arranges bridging finance for an Arrears clearance with speed, structure, and clear exit planning, backed by experience from facilitating over 500 strategic commercial loans to bridge the gap. If you’re seeking commercial bridging finance or a short-term lending solution you can rely on, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions.
