When you’ve issued a large invoice to a blue-chip customer or government-linked buyer, you’ve done the work, delivered the outcome, and booked the revenue. But your cash is still tied up until that invoice is paid. That’s where bridging loans for Large invoice funding can make a practical difference—especially when you need to cover payroll, place a stock order, fund a project phase, or meet an urgent settlement date. Contact us today to discuss your scenario.
What bridging finance for large unpaid invoices actually does
Bridging finance is short-term funding designed to get you from “now” to “paid.” In the context of large unpaid invoices, the purpose is simple: you access capital today, while you wait for a confirmed receivable to clear. It’s particularly relevant when your invoice terms are 30, 60, or 90 days, but your business commitments are immediate.
This is not about taking on long-term debt to cover operating losses. It’s about smoothing a timing mismatch that even strong businesses face, especially when invoices are large enough to distort monthly cash flow.
When a large unpaid invoice becomes a genuine constraint
Large invoices can create a cash flow pinch in very specific, predictable situations:
- You have supplier deposits due before your customer pays
- A project milestone is complete, but the next phase requires upfront costs
- You need to secure inventory while pricing and availability are favourable
- You’re facing an urgent settlement linked to property, a buy-in, or a commercial opportunity
- Your customer is reliable, but slow (or has strict payment cycles)
The bigger the invoice, the bigger the “gap” you may need to cover. In practice, bridging can act as a stabiliser so you’re not forced into poor trade-offs, like discounting the invoice heavily, deferring critical spend, or missing a time-sensitive opportunity.
Key benefits of bridging loans for Large invoice funding
Bridging finance is attractive for Large invoice funding because it prioritises speed, certainty, and flexibility.
- Time-critical access to capital
When you need Fast movement, the value is in execution. The right structure can support urgent settlement and keep momentum. - Control and optionality
Instead of waiting and hoping, you can act—secure stock, fund contractors, or lock in a purchase while others are still waiting on receivables. - Short-term by design
It’s built to be repaid when cash arrives, which can make it cleaner than stretching longer-term facilities for a short, specific need. - Designed around real-world timelines
The point is to match funding to the likely payment timeline, with a buffer for the real world.
That’s the theory. The practical difference is who structures it, how quickly they can confirm terms, and how reliably they can settle.
How Secured Lending structures bridging finance against large unpaid invoices
If you’re sitting on a large unpaid invoice, you usually don’t need a lecture—you need a plan, a clear pathway to settlement, and a lender who understands time pressure. That’s what we focus on.
1. We start with the invoice and the story behind it
We review what the invoice relates to, who the payer is, the payment terms, and the confidence level around collection timing. The goal is to understand the reliability of the receivable without turning the process into a drawn-out interrogation.
2. We structure the bridging loan around property security
Secured Lending specialises in secured business loan solutions where property is used as security. This is often the most practical way to access meaningful funding quickly, particularly when the invoice is large and time is tight.
3. We focus on execution timelines, not just “approval”
Many borrowers come to us after discovering that a conditional yes from a lender doesn’t help if settlement drags on. We coordinate the steps that actually get you to funding, including document flow and settlement scheduling, so you can plan with confidence.
Depending on your scenario, we can support outcomes like same day settlement or funding within 24 hours where it’s feasible and the file is ready to move.
4. We size the facility to suit the real need
Some businesses only need a clean bridge to cover one critical payment. Others need a larger buffer because the invoice is genuinely outsized.
With Secured Lending, you can borrow up to $10million, depending on your security and scenario. If you need a smaller, sharper facility, we keep it tight. If you need scale, we can structure for it.
5. We keep pricing transparent
You need to be able to assess the cost of speed and certainty. In many scenarios, we can discuss an interest rate starting at 9.2% p.a (subject to your situation, security, and risk profile). The key is clarity: you should know what you’re paying and why.
Private Lender solutions that move when banks can’t
As a private lender in Australia, Secured Lending operates Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are a non-bank lender, which means our process is designed for real deadlines, not committee calendars.
If you’re dealing with a private lender urgent scenario—an emergency, a contract date, or an unexpected timing blowout—our job is to assess quickly, confirm a workable structure, and move to settlement without unnecessary friction.
Importantly, we’re not here to overcomplicate something that’s straightforward: you have value tied up, and you need short-term funding to bridge the gap. If you’re looking for commercial bridging finance that actually settles, we can help.
How We Can Help
If you’re holding a large unpaid invoice and you need bridging finance that actually settles, Secured Lending can review your scenario, structure the right secured solution, and coordinate a path to Fast funding—often aligned to same day settlement or funding within 24 hours when feasible. We’ve facilitated $500m of loans for urgent settlement needs, and we’ve facilitated over 500 strategic commercial loans to bridge the gap—so you’re dealing with a team that understands both pressure and process.
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.
FAQs
1. What can I use bridging finance for if my cash is tied up in one large invoice?
Common uses include payroll, supplier payments, inventory deposits, project continuation costs, tax obligations, and urgent settlement deadlines tied to property or commercial transactions.
2. How quickly can a bridging loan be arranged?
If your security and documents are ready, it may be possible to achieve same day settlement or funding within 24 hours. Timing depends on the quality of information and settlement logistics.
3. Do you fund the invoice itself, or do you provide a loan secured by property while I wait for the invoice to be paid?
Secured Lending typically provides secured business loans using property as security, structured as a bridge while you wait for the receivable to clear.
4. How do you assess risk when the loan is linked to a large unpaid invoice?
We review the payer profile, invoice terms, the underlying contract or delivery evidence (where applicable), and your overall exit plan—usually repayment once the invoice is paid.
5. How much can I borrow for Large invoice funding?
You may be able to borrow up to $10million, depending on property security, serviceability, and the specifics of the transaction and exit.
6. What should I prepare to speed up assessment for an urgent settlement?
Have your invoice details, payer information, payment terms, and property security information ready. A clear timeline and purpose for funds also helps us structure the facility quickly.
