When a facility slips into default, speed and structure matter. You’re not looking for a lecture — you’re looking for a clear path to stabilise the account, stop the escalation, and regain control of timing. Bridging finance for Default remediation is designed for exactly that: short-term funding that gives you breathing room to fix a default position while you execute a stronger longer-term plan. Contact us today to discuss your scenario.
At Secured Lending, we’ve advised and assisted borrowers through Default remediation scenarios where traditional options weren’t moving fast enough. We have also facilitated over 500 strategic commercial loans to bridge the gap. Secured Lending can help you move fast with a bridging loan for Default remediation. Assess your scenario today.
What bridging finance does in a default situation
A default position usually becomes expensive because it’s time-sensitive. Default interest, penalty fees, enforcement costs, and reputational pressure can stack up quickly. A well-structured bridging loan can stabilise the account so you can negotiate from a position of strength and protect your asset base.
In practical terms, bridging finance for Default remediation can help you:
- Clear arrears and stop default interest compounding
- Meet an urgent settlement deadline tied to a refinance or sale
- Pay out a creditor and prevent enforcement action while you restructure
- Create time to finalise an exit strategy (sale, refinance, or recapitalisation)
The benefit isn’t “more debt.” The benefit is time on your terms — and time is usually the difference between an orderly solution and a forced outcome.
The key benefits of bridging finance for Default remediation
Used correctly, a bridging loan can be a controlled reset. The most common advantages include:
- Speed: when the priority is Fast action rather than lengthy bank processes
- Certainty: clear conditions, a defined term, and a plan to exit
- Flexibility: tailored structures that match your timing (sale timelines, refinance approvals, settlements)
- Asset protection: reducing the risk of forced sale by stabilising the default position
- Momentum: once the account is stabilised, you can progress refinance or sale without constant pressure
The goal is straightforward: fund the gap, stabilise the default, and execute a clean exit.
How Secured Lending facilitates Default remediation bridging loans
Default remediation is not just about funds hitting an account. It’s about sequencing. You need the right loan size, the right term, and a realistic exit plan that your lender will support. Our role is to review your scenario quickly, structure the facility sensibly, and coordinate the moving parts so you can act before the situation tightens.
1. Rapid assessment and a clear plan
We start by mapping the default timeline and pressure points. That means confirming what’s due, when it’s due, and what happens if it isn’t met. From there, we align the bridging loan to a defined purpose: funding to stabilise accounts in default, not open-ended cash flow.
2. Funding that matches the urgency
If you’re facing an urgent settlement, you don’t benefit from “maybe.” We focus on deliverable timeframes, including same day settlement (where feasible), funding within 24 hours (subject to due diligence and documentation), and reliable execution when the situation is genuinely emergency.
We’ve built our process for urgent transactions because delays are often what triggers the most costly outcomes.
3. Sensible leverage and clear limits
If you need to borrow up to $10million, we structure the request around the security position and your exit pathway. Default remediation funding should be sized to solve the problem cleanly — arrears, payout figures, settlement amounts, and costs — without creating a new problem later.
4. Straightforward commercial terms
Cost matters, especially when you’re already managing default expenses. Where applicable, we can offer an interest rate starting at 9.2% p.a (based on risk and structure). We’ll keep it practical: what the loan costs, what it achieves, and what you need to do to exit it.
5. Execution and coordination
Default remediation often involves multiple stakeholders: your existing lender, solicitors, settlement agents, and sometimes a buyer or incoming financier. We coordinate documents, confirm payout figures, and work to keep the process moving so you can meet deadlines without last-minute surprises.
Private Lender options when timing is critical
Private Lender support across Australia
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That matters when you need a decision-maker who can move quickly and assess a real situation without the delays of a rigid credit process.
When a bank timeline doesn’t match your default timeline, a private lender urgent facility can be the difference between stabilising the account and being forced into a decision you wouldn’t otherwise make.
Where this works best in real life
Bridging finance for Default remediation is most effective when there is a credible exit, such as:
- Refinance in progress but not yet ready to settle
- A property sale underway, but settlement is weeks away
- A restructuring event where creditor pressure needs to be paused
- A short-term gap created by delayed receivables or a timing mismatch
We’ve facilitated secured business loan solutions for borrowers who needed immediate funding to stop a default from escalating, then transitioned out once the refinance or sale completed. The common thread is a short timeframe, a clear purpose, and a practical exit.
How We Can Help
Secured Lending specialises in bridging finance for Default remediation, with a focus on funding to stabilise accounts in default quickly and cleanly. We review your scenario, confirm the urgency drivers, and structure a bridging loan that matches your timeline — whether you need an urgent settlement solution, a payout to stop default interest, or a short-term facility to hold the line while your exit completes. 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, including commercial bridging finance for complex scenarios.
FAQs
1. What is bridging finance for Default remediation used for most often?
Most commonly, it’s used to clear arrears, stop default interest and enforcement action, and provide time to complete a refinance or sale without being forced into a rushed outcome.
2. How fast can Secured Lending settle a bridging loan?
Depending on the scenario, documentation, and due diligence, we may be able to achieve Fast outcomes including same day settlement or funding within 24 hours for genuine urgent settlement matters.
3. Can a bridging loan be used to pay out my existing lender in default?
Yes, if the loan is structured to settle the payout figure and stabilise the position, and there is a clear exit strategy such as refinance or sale.
4. What security do you require for these loans?
These facilities are structured as secured business loans, typically supported by property security, with the loan amount and terms aligned to the security position and exit plan.
5. How much can I borrow and what rates apply?
Loan size can range up to borrow up to $10million, and pricing can vary by risk and structure. In some cases, interest rate starting at 9.2% p.a may be available.
6. What makes Default remediation funding more likely to be approved?
Clear documentation of the default amount and timeframes, a realistic exit plan (sale or refinance), and a structure that solves the immediate issue without relying on uncertain assumptions.
