If you run a physio or allied health practice, you already know growth rarely waits for “perfect timing”. A new site becomes available, a landlord wants a fit-out completed quickly, a competitor is selling a clinic, or a settlement date lands right in the middle of a cash flow cycle. That’s where a bridging loan can help. Contact us today to discuss your scenario and move quickly on your next opportunity.
What Bridging Finance Does for Allied Health Practice Growth
Bridging finance is short-term funding designed to cover a timing gap. In allied health, that gap is often created by a mismatch between when you need to act (lease, settlement, build, acquisition) and when cash arrives (rebates, invoices, refinance approvals, business sale proceeds).
Used well, it helps you stay in control of the opportunity instead of being forced into compromises.
- Move on time-sensitive premises: Secure a tenancy or purchase when the right location appears, rather than missing it while waiting on longer finance.
- Fund fit-outs and refurbishments: Treatment rooms, reception redesign, compliant access, signage, and patient flow upgrades that directly lift capacity.
- Acquire a practice or book: Bridge the deposit or settlement period while longer-term funding is finalised.
- Stabilise working capital during change: Cover payroll, contractors, and suppliers while you open a new site or integrate a new practitioner team.
- Avoid forced decisions: You don’t have to sell an asset quickly or accept unfavourable terms just to meet an urgent settlement.
In plain terms: bridging finance can be the difference between “we’d love to” and “we’ve done it”.
When Bridging Makes Sense in Allied Health
Bridging is most useful when you can clearly see the exit path, but the timing is tight. Common scenarios include:
- You’re buying new premises and need to settle before a bank refinance completes.
- You’ve exchanged on a property (or business acquisition) and the settlement window is short.
- You’re expanding and need to pay builders and suppliers before the new rooms start generating revenue.
- You’re consolidating multiple clinics and need short-term liquidity to simplify the transition.
This is not about taking on unnecessary risk. It’s about using short-term funding to keep momentum, while your longer-term structure catches up.
Why Speed Matters When You’re Growing a Practice
In healthcare, delays have a real cost. If an expansion pushes out by eight weeks, that can mean lost billings, practitioner start dates slipping, and marketing spend that doesn’t convert. A bridging facility is designed for those moments where “fast” isn’t a nice-to-have, it’s the whole point.
Depending on your scenario, we can structure solutions that target Fast, same day settlement, funding within 24 hours, and support for an urgent settlement. If you’ve been hit with an emergency timing issue and need a private lender urgent solution, bridging can be the cleanest path forward.
How Secured Lending Helps You Structure the Right Bridging Loan
Most borrowers don’t need “a loan”. You need a clear plan: how much, how quickly, what security, and how the exit works. That’s where our experience matters.
Secured Lending focuses on short-term, property-backed lending solutions that are built for time pressure. We’ve facilitated over $500m of loans for urgent settlement needs, and we bring that same calm, methodical approach to allied health scenarios.
- We review your timeline first
Settlement dates, build milestones, and when your longer-term finance or sale proceeds are expected. This avoids a facility that matures before you’re ready. - We confirm the security and borrowing range
Our solutions are structured as secured business loan options backed by residential or commercial property. In the right scenario, you can borrow up to $10million. - We structure for a clean exit
Exit strategies might include refinancing to a bank once financials or valuations are ready, selling an asset, or moving to a longer-term commercial facility after the practice stabilises. - We coordinate documentation quickly
The goal is fewer bottlenecks, clear conditions, and a practical path to settlement. - We keep terms straightforward
You’ll know the loan term, fees, and repayment expectations upfront. Where suitable, we can discuss pricing with an interest rate starting at 9.2% p.a (actual pricing depends on the deal specifics and risk profile).
Private Lender Bridging Finance Australia Wide
Secured Lending is a private lender in Australia and a non-bank lender. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. That matters when you’re expanding across states, buying property in a different market, or simply need a lender that can move without the delays common in larger institutions.
When timing is tight, being a private lender means we can focus on the real drivers of the deal: the property security, the plan, and the exit.
Bridging Finance Built for Real Practice Scenarios
Allied health is operationally complex. Rostered clinicians, utilisation targets, treatment room capacity, and patient demand all affect cash flow. We don’t pretend a practice is a simple retail business. We take the time to understand what’s changing in your business and then structure the finance around it.
- Bridging a purchase while you finalise longer-term lending
- Bridging a fit-out so you can open and start billing sooner
- Bridging to secure a strategic site before competitors do
- Bridging to reduce stress around an urgent settlement date
The point is certainty. Not perfection—certainty.
FAQs
1. What can I use bridging finance for in a physio or allied health practice?
Common uses include purchasing or leasing premises, funding fit-outs, bridging a practice acquisition, or covering short-term working capital gaps during expansion or consolidation.
2. How fast can Secured Lending settle a bridging loan?
If the scenario and security support it, we can work toward Fast, same day settlement and funding within 24 hours. Not every deal qualifies, but speed is a core focus.
3. Do you support urgent settlement situations?
Yes. We regularly assist borrowers facing urgent settlement deadlines, including time-sensitive property settlements and business-related transitions.
4. What is the typical loan size?
Facility sizes vary, but in the right scenario you can borrow up to $10million, depending on the property security and overall structure.
5. What interest rate should I expect?
Pricing depends on the details, but we can discuss options with an interest rate starting at 9.2% p.a where appropriate.
6. What does Secured Lending need to assess my deal quickly?
Typically: the property details, your required amount and timing, the purpose (purchase, fit-out, acquisition), and your exit plan (refinance, sale, or longer-term facility).
How We Can Help
If you’re planning growth, navigating a settlement deadline, or facing an unexpected timing gap, we’ll review your scenario, structure the right facility, and coordinate a practical path to funding—without dragging the process out. 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 physio and allied health practices.
