If you’re moving from a bank facility to a non-bank lender, timing is rarely your friend. Banks can be slow to discharge, documentation can drag, valuations can change, and settlement dates don’t wait. This is exactly where bridging loans for a Non-bank funding transition make sense: a short-term facility designed to keep momentum while your longer-term non-bank funding is finalised. Contact us today to discuss your scenario and keep your transaction on track.
What a Non-bank Funding Transition Really Looks Like
A Non-bank funding transition is usually not about “can you get funded?” It’s about the path between lenders and the practical friction in the middle. Common pressure points include:
- Your bank approves release, but the discharge timing is unclear
- Your incoming lender is ready, but needs a final valuation or compliance sign-off
- You have an urgent settlement coming up for a purchase, refinance, or time-sensitive opportunity
- You’re restructuring facilities across entities or properties and need clean sequencing
- A bank covenant, review, or credit appetite change forces a quicker move than planned
A bridging loan sits in the middle and keeps you moving. It can provide the cash you need now, secured against property, while the non-bank lender completes their process or the bank completes discharge.
Benefits of Bridging Finance for a Non-bank Funding Transition
A well-structured bridge is less about “extra debt” and more about control. Here are the practical benefits you can actually feel:
- Speed when timing is tight. If your matter is time-sensitive, you may need fast action, potentially including same day settlement or funding within 24 hours (subject to assessment and documentation).
- Certainty for settlement and negotiations. When you can confirm funds, you can negotiate from strength. That matters in property settlements, business acquisitions, or when a counterparty expects an urgent settlement.
- Continuity of operations. A bridge can protect working capital while the longer-term non-bank facility is still being finalised. You avoid the “gap week” that creates unnecessary stress.
- A buffer against process risk. Valuations, payout figures, and lender conditions can shift late. A bridge is a risk-management tool so one delay doesn’t derail the whole transition.
Where Secured Lending Fits In
You don’t need a lecture on finance. You need a clear plan, clean documents, and a lender who can act. This is where we’re practical.
We start by mapping the transition end-to-end: what you’re paying out, what the incoming non-bank lender requires, the settlement date, and how funds will flow. Then we structure a bridging loan that’s built for the real-world sequence of events—not an idealised version.
Secured Lending can arrange a secured business loan to bridge the timing gap, typically secured by residential or commercial property. In many cases, you can borrow up to $10million (subject to lending criteria, security, and assessment). Pricing depends on the scenario, and we can discuss options including an interest rate starting at 9.2% p.a for suitable deals.
Private Lender Support When Time Matters
Sometimes you don’t need a committee. You need a decision. Secured Lending is a private lender in Australia and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We are also a non-bank lender, so we understand how non-bank funding works in practice and how to coordinate a smooth handover from a bank.
If you’ve been searching for a private lender urgent solution, or you’re in an emergency window where delays are costly, we focus on clarity and action: confirm security, confirm payout, confirm timeline, then move.
How We Structure the Bridge So the Transition Is Clean
A Non-bank funding transition can fail for avoidable reasons: unclear payout figures, mismatched settlement dates, or conditions that don’t align. We reduce those risks by doing the “unsexy” work upfront.
Here’s what we typically coordinate with you and your advisers:
- Review your current bank facility, payout process, and discharge timing
- Confirm the incoming non-bank lender’s requirements and likely timing
- Set a realistic settlement plan, including contingencies for valuation or docs delays
- Structure the bridge so it can be repaid cleanly from the incoming facility or asset sale
- Keep documentation tight so you’re not re-explaining the same story to multiple parties
This is also where bridging finance helps you avoid compounding stress. If your bank drags discharge, a bridge can keep the transaction on track instead of forcing you into renegotiations.
Common Scenarios We See and Solve
- Bank discharge delays the non-bank settlement. Your incoming non-bank lender is ready, but the bank’s discharge timeline becomes the bottleneck. A bridge can cover the payout and allow the transition to proceed.
- You need funds now, refinance later. You may need to settle a purchase or complete a business-critical move before the new lender’s process is complete. This is where funding within 24 hours can matter.
- You’re restructuring multiple properties. When several securities or entities are involved, sequencing matters. A bridge can simplify the transition and reduce timing risk.
- You have an urgent settlement and need certainty. If timing becomes an emergency, the value of bridging finance is speed and reliability, not complexity.
FAQs
1. How fast can a bridging loan be settled for a Non-bank funding transition?
If the scenario and documentation are straightforward, we can move fast and may be able to support same day settlement or funding within 24 hours, subject to assessment.
2. Can I use bridging finance while my new non-bank lender finalises their approval?
Yes. This is one of the most common uses: the bridge provides short-term funds while the longer-term non-bank facility is completed.
3. What can I borrow and what security is typically required?
Loan amounts depend on the property security and overall scenario. In many cases you can borrow up to $10million, subject to assessment.
4. Is this suitable if I’m facing an urgent settlement or an emergency timeline?
Yes. Bridging loans are specifically designed for urgent settlement needs where timing is critical and delays are expensive.
5. Are you a non-bank lender or a broker?
Secured Lending is a non-bank lender and Private Lender in Australia. We work directly with borrowers to structure short-term solutions.
6. What does pricing look like for bridging finance?
Pricing depends on security, timeline, and complexity. For suitable deals, we can discuss options with an interest rate starting at 9.2% p.a.
How We Can Help
If you’re transitioning from a bank to a non-bank lender, the biggest risk is usually the gap in timing—not the long-term plan. Secured Lending structures bridging finance to keep your transaction moving, coordinate settlement steps, and give you certainty when deadlines don’t move. 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 business and property transactions.
