When you’re restructuring an existing loan facility, time has a habit of working against you. A bank review date arrives earlier than expected. A covenant breach triggers a “please explain”. A lender decides they no longer want the exposure. Or you’ve negotiated a better long-term facility, but you can’t reach the new settlement date without a clean payout of the old one. Contact us today to discuss your scenario.
What bridging finance does in a Loan restructure
A bridging loan is short-term capital secured against property that gives you breathing room while you complete a restructure. In practical terms, it can provide the funds to:
- Payout or reduce an existing facility before an extension expires
- Clear arrears, default interest, or enforcement pressure
- Reposition your balance sheet ahead of a refinance
- Buy time while you sell an asset, finalise approvals, or resolve a valuation gap
This is not about “more debt for the sake of it”. Done properly, bridging finance is a tactical move: you use short-term capital to regain control of timing, protect your negotiating position, and transition into a more suitable long-term structure.
Why restructure capital often becomes time-critical
Restructures usually fail for one reason: the timeline is tighter than the paperwork. Even strong borrowers can get caught between:
- A lender demanding an urgent settlement date to exit
- A new lender needing more time for credit sign-off
- Disputes over valuations, presales, or serviceability presentation
- Multiple securities across entities that must be released in the right order
Bridging finance helps you avoid “forced decisions”. Instead of accepting a poor refinance, selling under pressure, or paying expensive default fees, you can create a controlled window to restructure properly.
Key benefits of bridging finance for a Loan restructure
Here’s what borrowers typically value most:
- Speed and certainty: You can achieve Fast, same day settlement in the right scenario, or funding within 24 hours when the file is ready and security is clear.
- Negotiating leverage: Clearing the outgoing lender reduces pressure and improves your ability to negotiate long-term terms.
- Cleaner refinance path: A short-term bridge can simplify your position before presenting to banks or non-bank funders.
- Protection from escalation: It can stop a default from snowballing into enforcement, reputational issues, or an emergency fire sale.
- Flexible exit options: You can repay from refinance, sale proceeds, or a planned restructure milestone.
Used well, bridging finance is a tool for control: you manage the transition, rather than being managed by it.
How Secured Lending structures bridging finance for a Loan restructure
When you come to us for capital to restructure existing loan facilities, our job is to reduce friction and shorten the path to a clean outcome. We focus on what matters:
1. We start with the end in mind
A bridging loan is only as good as its exit. We’ll review your proposed refinance, sale plan, or restructure step so the loan term and structure match reality. That means confirming:
- What you need to pay out now versus what can stay in place
- Your settlement deadline and stakeholder timelines
- The order of discharges, caveats, and releases required
- How you’ll transition to the next facility without delays
2. We prioritise speed for urgent settlement
If you’re facing urgent settlement, timing is not a “nice to have”. It’s the whole point. We’re built for short timeframes, including scenarios that require a private lender urgent solution.
Depending on the security and documents available, we can move quickly, including Fast, same day settlement where feasible, or funding within 24 hours for straightforward files.
3. Capital that fits the scale of your restructure
Restructures often involve real numbers. We can borrow up to $10million, which means you can address meaningful facility payouts rather than applying a temporary band-aid.
And because this is bridging finance, the focus is on the security, the plan, and the timeline—so you can keep momentum while the longer-term restructure completes.
4. Clear pricing and commercial terms
You need transparent economics so you can compare options. We offer secured business loan solutions with an interest rate starting at 9.2% p.a (pricing depends on the specific scenario, security and risk profile). We’ll set expectations early so you can make a decision quickly and with confidence.
5. We handle complexity without making it feel complex
Loan restructures often involve multiple parties: accountants, solicitors, outgoing lenders, incoming lenders, brokers, and sometimes receivers or monitoring teams. We coordinate so the moving parts don’t become the delay.
You’ll see this in how we manage:
- Document sequencing for payout and discharge
- Communication with solicitors to avoid settlement-day surprises
- The practical realities of getting a restructure over the line on time
Private Lender support when banks can’t move fast enough
As a private lender in Australia, Secured Lending operates Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are a non-bank lender, which means we can act decisively when a bank process is too slow for your timeline.
If your Loan restructure is sitting in a holding pattern—waiting for committee, policy exceptions, or extended valuations—a private bridging facility can keep your plan intact and prevent the situation from turning into an emergency.
Common Loan restructure scenarios we see
You may recognise one of these:
- Your current lender won’t extend, and you need a bridge to complete a refinance
- You’re exiting a higher-cost or restrictive facility and need capital to transition
- You need to pay out a portion of debt to rebalance LVR before a bank will proceed
- You need a short-term facility to stop default interest and enforcement steps
- You’re restructuring across entities and need time to clean up securities
In each case, the purpose is the same: secure short-term capital so you can execute the restructure with control and proper timing. If you’re seeking commercial bridging finance, we can help bridge the gap.
FAQs
1. Can bridging finance be used specifically to restructure existing loan facilities?
Yes. It’s commonly used to pay out or reduce an existing lender so you can refinance, rebalance leverage, or complete a planned restructure without missing settlement deadlines.
2. How quickly can Secured Lending settle a bridging loan for a Loan restructure?
In suitable scenarios, we can achieve Fast, same day settlement. Otherwise, funding within 24 hours may be possible once security, documents, and settlement arrangements are confirmed.
3. What security is required for your secured business loans?
Our bridging loans are secured against residential or commercial property. The property security and the clarity of your exit plan drive speed and structure.
4. Can I use a bridging loan if my bank refinance is approved but not ready to settle?
Yes. That’s a classic use case: bridging finance covers the timing gap so you can complete payout obligations now and transition into the longer-term facility once it settles.
5. How much can I borrow for a restructure?
You can borrow up to $10million, subject to the property, overall risk profile, and the strength of the exit strategy.
6. Is a private lender urgent option more expensive than a bank?
Often, yes—because it’s short-term capital designed for speed and certainty. The question is whether the cost is lower than the alternative (default interest, enforcement pressure, missed settlement, or a rushed asset sale). We’ll help you compare the true numbers.
How We Can Help
If you need capital to restructure existing loan facilities, Secured Lending can review your current position, confirm a workable exit path, and arrange bridging finance built for urgent settlement timeframes. Secured Lending has facilitated $500m of loans for urgent settlement needs, and we bring that practical experience to your Loan restructure so you can move with clarity and control. 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.
