If you’ve received a Director Penalty Notice (DPN), the pressure is immediate. The ATO timetable doesn’t wait for your next cash flow cycle, a property settlement, or a refinancing approval. In that moment, a bridging loan can be a practical way to create time and control—without forcing you into rushed asset sales or reactive decisions. Contact us today if you need urgent support.
At Secured Lending, we’ve advised and assisted borrowers dealing with director penalties, including finance to address personal director penalty notices. We also understand that speed and certainty matter most in this situation. We have facilitated over 500 strategic commercial loans to bridge the gap, including facilities arranged for urgent settlement timeframes where every day counts. Secured Lending can help you move fast with a bridging loan for Director penalties. Assess your scenario today.
What bridging finance does in a director penalty situation
A bridging loan is short-term secured finance designed to cover a gap. In the context of a personal DPN exposure, that “gap” is often the time between:
- when the ATO requires action, and
- when your longer-term funding or liquidity event will complete (sale, refinance, business restructure, settlement, or other planned cash release).
This is not “set and forget” debt. It’s a tool you use deliberately to meet a deadline, stabilise the situation, and then exit with a clearer plan.
Why a bridging loan can be the right move
Director penalties can become personal quickly. Even when your business is fundamentally sound, timing issues and compliance events can create an emergency. Bridging finance can help you respond with intent rather than panic.
Key benefits include:
- Speed when timing is tight: a Fast approval pathway can matter more than a perfect long-term solution when a deadline is near.
- Short-term flexibility: a bridge can cover the period while you finalise a refinance, sell a property, or complete a settlement.
- Certainty for urgent timelines: if you’re staring down an urgent settlement or an imminent payment requirement, the right structure can reduce the risk of last-minute surprises.
- Protecting your negotiating position: when you’re not forced to sell or refinance under pressure, you often make better decisions.
Used correctly, bridging finance is about buying time—so you can choose the next step, not have it chosen for you.
How Secured Lending approaches bridging finance for Director penalties
When you’re dealing with a DPN, you don’t need generic lending talk. You need a lender who can review the scenario quickly, confirm whether it’s fundable, and then coordinate the moving parts.
At Secured Lending, we focus on short-term secured business loans that can be structured around time-sensitive outcomes. We’ll look at your situation in plain language: what’s due, when it’s due, what security is available, and what your exit strategy is.
Here’s how we typically help you move forward.
We start with the deadline and work backwards
The DPN timetable, settlement dates, and any parallel commitments (like a refinance discharge or sale contract) dictate the structure. We will:
- review the timing and the amount required
- confirm what can realistically be achieved within the available window
- map the exit (sale, refinance, or other planned liquidity event)
This keeps the loan aligned with the real-world timeline, not a theoretical one.
We focus on speed and execution
In DPN scenarios, delays can be costly. Where the transaction supports it, we can work toward same day settlement or funding within 24 hours. Not every matter can settle that quickly—legal and valuation steps still matter—but our job is to remove avoidable friction and drive the process.
If you need finance for an emergency, or you’re dealing with an ATO-driven deadline that feels like a private lender urgent scenario, we treat it like what it is: time-critical.
Clear parameters, not vague promises
You want to know what’s possible early. We can arrange facilities where you can borrow up to $10million, subject to the security and your exit plan. Pricing depends on the risk and structure, with an interest rate starting at 9.2% p.a in suitable cases.
Just as importantly, we tell you quickly if something won’t work—so you don’t waste days on a dead end.
Structured around property-backed security
Bridging loans are typically secured against property. That security helps the deal move faster and allows the loan to be structured around your timeline, rather than relying on long cash-flow testing or lengthy bank credit processes.
Coordinated with professionals, not siloed
DPN matters often involve your accountant, solicitor, and sometimes insolvency or restructuring advice. We’re comfortable operating alongside your advisers to keep the finance piece moving, without stepping outside our lane.
Private Lender bridging finance you can use Australia wide
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That matters when you need an outcome, not a branch appointment.
Non-bank credit can be a strong fit for DPN-driven timeframes because the process is designed for speed and certainty. If the security and exit make sense, we can move decisively toward approval and settlement—especially when you’re facing urgent settlement conditions.
Practical examples of when a bridge helps
Bridging finance can be useful when:
- you’re refinancing but bank timelines won’t meet the DPN deadline
- you have a property sale underway but settlement is still weeks away
- you need to clear an immediate liability to stabilise the situation before a longer restructure
- you want to avoid a forced sale discount by securing short-term funds first
The common thread is simple: your plan is workable, but the timing is not.
FAQs
1. Can a bridging loan be used to address a personal Director Penalty Notice?
Bridging finance can be used to raise funds quickly where the purpose is to manage time-sensitive liabilities, including scenarios involving personal director penalty notices. Suitability depends on your security and exit strategy.
2. How fast can Secured Lending settle?
Where the transaction is ready and documentation can be completed, we can aim for same day settlement or funding within 24 hours. Timing depends on factors like security, checks, and legal sign-off.
3. What security do you require for secured business loans?
These are secured business loans and are typically backed by residential or commercial property. The quality of the security and your exit plan are central to approval.
4. How much can I borrow?
In appropriate circumstances you can borrow up to $10million, subject to the underlying security, loan structure, and the credibility of your exit.
5. What interest rate should I expect?
Pricing varies by risk and structure. In suitable scenarios we can offer an interest rate starting at 9.2% p.a.
6. What do you look for most in a DPN bridging scenario?
Clarity on the deadline, a strong security position, and a realistic exit (refinance, sale, or planned liquidity event). We prioritise transactions we can execute cleanly within the required timeframe.
How We Can Help
If you’re dealing with director penalties and need finance to address personal director penalty notices, we can review your scenario quickly, structure a bridging facility around your deadline, and coordinate settlement without unnecessary delays. 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 time-critical needs.
