Private equity transactions move on deadlines, not on good intentions. You can have strong due diligence, a clear value-creation plan, and committed investors — and still face a timing gap that puts completion at risk. That’s where a bridging loan for a private equity deal becomes practical: short-term funding to get you to settlement, then out again once the longer-term capital structure is finalised. At Secured Lending, we’ve advised and assisted borrowers through private equity deals where timing was the main pressure point. We have also facilitated over 500 strategic commercial loans to bridge the gap. Secured Lending can help you move fast with a bridging loan for private equity deals. Contact us today to assess your scenario.
What Bridging Finance Does in a Private Equity Transaction
Bridging finance is short-term capital designed to solve one problem: time. It gives you a way to proceed when the transaction is ready but the permanent funding stack is still catching up.
In private equity, bridging finance is commonly used to:
- Protect an acquisition timetable when equity calls, bank approvals, or intercreditor documents are still in motion
- Cover an urgent settlement when the seller won’t extend
- Provide temporary certainty while a refinance, recapitalisation, or asset sale is being finalised
- Fund a quick value step before exit or refinance (for example, a small but critical capex item that lifts earnings and improves debt terms)
The benefit is not just access to money. It’s control. You keep momentum, maintain negotiating strength, and avoid letting a delay become a pricing issue.
Key Benefits You Actually Feel on the Deal
Bridging finance can be a disciplined tool when you use it for defined, short windows. The advantages are straightforward:
- Speed and certainty when timing is tight, including urgent settlement scenarios
- A clean way to “bridge” to a known event: refinance approval, equity injection date, or settlement of another transaction
- Flexibility of structure when traditional lenders move too slowly for deal timelines
- The ability to keep the acquisition moving while legal and documentation work continues in parallel
In short: it buys you time without giving up the opportunity.
Where Bridging Finance Fits in the Capital Stack
In practice, bridging loans are used as a temporary layer, not a permanent solution. You might use it to:
- Complete the acquisition now, then refinance to a bank or specialist lender once accounts, valuations, or security registrations are finalised
- Bridge between signing and completion when conditions precedent drag on
- Support a time-sensitive acquisition where the seller won’t wait for a lengthy credit process
What matters is having a clear and realistic exit plan. That’s the difference between a smart bridge and an expensive distraction.
How Secured Lending Helps You Move Quickly and Cleanly
When you’re mid-deal, you don’t need generic lending advice. You need a lender who understands transaction pressure and can coordinate decisively with your solicitor, broker, and counterparties.
We Structure for the Deal Timeline, Not the Perfect World
You’ll know exactly what the bridging loan is doing and what it’s bridging to. We review your scenario, confirm security and exit strategy, and structure the loan term and conditions around your settlement date and next capital event.
We Move Fast When Timing Becomes the Risk
Private equity deals can change pace overnight. If the seller brings settlement forward, or a funding leg shifts, you need an option that can respond. We’re built for Fast execution, including same day settlement where feasible, and funding within 24 hours for urgent scenarios (subject to standard checks and completed documentation).
You Can Use Property-Backed Security for Commercial Outcomes
For many investors and operators, the simplest way to unlock short-term capital is through property-backed lending. That’s the foundation of a secured business loan: clear security, clear terms, clear path to exit.
Practical Loan Ranges and Straightforward Pricing
We can lend up to $10million for the right scenario. Pricing depends on risk and structure, but we can offer an interest rate starting at 9.2% p.a for suitable applications. The point of a bridge is not to be the cheapest money you’ll ever use — it’s to be the money that protects the deal and lets you refinance onto longer-term terms once the dust settles.
We Help Coordinate the Transaction, Not Just Approve a Loan
A bridge succeeds or fails on execution. We coordinate with your legal team and key parties to keep the path clear: valuations, settlement mechanics, payout figures, and the sequencing of funds. If this is an emergency timing issue, we focus on what must happen today versus what can follow after settlement.
Private Lending Support When Banks Can’t Move in Time
Secured Lending is a private lender in Australia and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We’re a non-bank lender, which means we’re not tied to the slower credit rhythms that can derail time-sensitive acquisitions. If you’re facing a private lender urgent requirement — the kind where the deal is ready but the clock is running — we can step in with a structured bridging solution.
What a Good Private Equity Bridging Application Includes
You don’t need a 50-page pack to start. What matters is clarity:
- The settlement date and what triggers it
- The security offered and current position
- The exit plan and timing (refinance, sale, equity injection)
- The transaction story in plain language: what you’re buying, why now, and what changes post-close
From there, we’ll tell you quickly whether the scenario fits and what the path to settlement looks like.
FAQs
1. How quickly can a bridging loan settle for a private equity transaction?
If the security and documents are ready, we can move quickly. In urgent cases, we can aim for same day settlement or funding within 24 hours, subject to checks and legal completion.
2. What is the typical term for bridging finance in a private equity deal?
It’s usually short-term by design. The term should match your exit event, such as a refinance approval window or a planned asset sale timeline.
3. What makes a strong exit plan for a private equity bridging loan?
A defined and realistic next step: approved or near-approved refinance, a scheduled equity injection, or a sale with credible timing. Vague “we’ll sort it out later” exits don’t help you or the lender.
4. Can bridging finance help if the seller won’t extend settlement?
Yes. This is one of the most common urgent settlement use cases. The goal is to complete on time, then refinance to the longer-term facility once the transaction is bedded down.
5. How much can I borrow and how is pricing set?
For suitable scenarios, you can borrow up to $10million. Pricing depends on the security, structure, and risk profile, with interest rate starting at 9.2% p.a for qualifying deals.
6. Is a non-bank private lender suitable for private equity transactions?
Often, yes — particularly when bank timeframes don’t match the deal timetable. A non-bank lender can provide speed and certainty for the bridge, then you can transition to longer-term funding when ready.
How We Can Help
If you’re managing a time-sensitive private equity transaction, we can review your scenario, confirm the security and exit, and arrange a bridging loan built around your settlement date — including emergency timelines where traditional lenders can’t respond. 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 private equity deals.
