When a critical piece of equipment becomes available, you usually don’t get to choose the timing. A replacement machine might be needed after a breakdown. A supplier might offer a short window to secure stock. Or you may have won work that depends on having the right gear on site next week. In these moments, bridging finance for an Equipment purchase can be the difference between keeping momentum and watching an opportunity slip. Contact us today to discuss your needs.
What bridging finance is and why it works for equipment
Bridging finance is short-term funding designed to solve a timing problem. It’s not meant to replace longer-term equipment finance. It’s used to get you over the line now, while you finalise a longer-term refinance, complete a sale, collect receivables, or settle another transaction.
For equipment, that timing gap is common. Suppliers want payment before delivery. Auctions settle fast. Importers require funds before shipping. And if you’re upgrading to meet a new contract, you may not want to wait weeks for a traditional approval pathway.
A well-structured bridging loan helps you:
- secure equipment immediately, then repay the bridge once your longer-term plan lands
- protect cash flow by avoiding a large upfront hit at the wrong time
- meet an urgent settlement deadline without pausing operations
- move on a time-sensitive purchase with higher certainty of execution
The key is matching the loan term and exit strategy to your real timeline. Done properly, bridging is a practical tool for capable business owners who want speed without losing control of the bigger financial picture.
Benefits of bridging finance for an Equipment purchase
Bridging finance is useful when you need equipment now, but your funding event is just slightly behind. It can suit you if you’re:
- replacing essential machinery to prevent downtime
- buying equipment to start a new contract or expand capacity
- upgrading to improve margins, throughput, or safety compliance
- purchasing a specialised asset that is available for a limited time
The advantages are straightforward:
- Speed and certainty: this is built for urgent settlement scenarios.
- Flexibility: terms can be structured around your expected cash event.
- Practical leverage: you can access capital without waiting for slow approvals.
- Momentum: you keep projects moving, staff utilised, and revenue on track.
If you’ve ever had to delay a job, rebook a crew, or decline work because a machine wasn’t ready, you already understand the real cost of waiting.
Where Secured Lending fits in
Bridging loans can look simple on paper, but execution matters. The difference between “approved” and “settled” is where most delays happen. At Secured Lending, our role is to review your scenario quickly, structure the facility cleanly, and coordinate the steps that lead to funds being available when you actually need them.
We specialise in short-term, asset-backed lending for time-sensitive needs. We’ve facilitated $500m of loans for urgent settlement needs, and we bring that experience into equipment-driven transactions where deadlines are non-negotiable.
Here’s what you can expect when you come to us for bridging finance for an Equipment purchase:
Speed without chaos
If timing is tight, you need a process that’s calm and controlled. We focus on:
- fast assessment based on your security position and exit plan
- clear documentation requirements from the start
- proactive coordination with valuers and legal parties
- a pathway to funding within 24 hours in suitable scenarios
When the situation calls for it, we work toward fast, same day settlement. We won’t promise what can’t be delivered, but we will tell you early what’s realistic and what it will take to get there.
Loan sizes that match real commercial needs
Equipment opportunities aren’t always small, especially when you’re scaling or buying specialised machinery. Depending on your circumstances, you can borrow up to $10million. This is often useful when equipment purchase is part of a broader plan, such as expanding a site, taking on a large contract, or consolidating operations.
Transparent pricing and short-term structure
Bridging is short-term money, so pricing matters and clarity matters even more. We can discuss options with an interest rate starting at 9.2% p.a (subject to your scenario, security, and overall risk). The goal is to structure the loan so the cost is proportionate to the value of acting quickly.
Built for urgent, real-world scenarios
Sometimes the need is genuinely urgent: a production line stops, a key vehicle fails, or a supplier requires immediate payment to release equipment. If you’re facing an emergency, we treat it like one and move accordingly. This is where a secured business loan can be a practical solution when the timeline is too tight for a traditional lender.
Private Lender options when timing is critical
When a bank process can’t meet your deadline, a private lender urgent solution is often the difference between acting and waiting. Secured Lending is a Private Lender in Australia, and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are a non-bank lender, which means we can focus on the security, the exit, and the timeframe, rather than forcing you into a slow, rigid approval path.
This approach is particularly useful when you need urgent settlement for an Equipment purchase and you want a lender who can make decisions quickly and execute with less friction.
How the process typically works with Secured Lending
You don’t need a long drawn-out process. You need a clear one. In most cases, we:
- Review your security position and the reason for the bridging request
- Confirm your exit strategy and expected timeframe
- Provide indicative terms quickly
- Coordinate valuation and legal steps
- Settle as soon as the file is ready, including same day settlement where achievable
Our job is to keep you moving, while ensuring the facility is structured responsibly.
FAQs
1. What is bridging finance for an Equipment purchase used for?
It’s used to fund the equipment now when your longer-term funding, sale, or cash event is not yet available, but expected soon.
2. How fast can Secured Lending settle an equipment bridging loan?
In suitable scenarios, we can arrange funding within 24 hours, and in some cases work toward fast, same day settlement, depending on valuations, legal readiness, and your exit plan.
3. How much can I borrow?
Subject to your scenario and security, you can borrow up to $10million.
4. What security do I need to provide?
These are secured business loans, typically supported by property security. We’ll review your situation and confirm what works and what doesn’t early in the process.
5. Is this only for businesses in major cities?
No. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, and other locations where the security and transaction are suitable.
6. What does pricing look like?
Pricing depends on the specifics, but we can discuss options with an interest rate starting at 9.2% p.a, subject to assessment and the overall structure.
How We Can Help
If you need bridging finance for an Equipment purchase, you’re usually trying to protect time, certainty, and operational momentum. That’s exactly what we focus on. We’ll review your scenario, structure the loan around a clear exit strategy, and coordinate the steps required to reach settlement quickly. 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 equipment and business needs.
