Serviced accommodation is one of those property strategies where timing matters. Settlement dates don’t move, trades and furniture need paying, and a strong booking calendar can be lost if you miss the launch window. That’s where bridging finance for serviced accommodation can be the difference between “good deal on paper” and a real, income-producing asset. Contact us today to discuss your scenario.
What bridging finance does for serviced accommodation
A bridging loan is short-term funding secured against property. It’s designed to give you speed and flexibility when the opportunity is time-sensitive, or when your longer-term finance isn’t ready yet.
In serviced accommodation, bridging finance commonly helps when you need to:
- Settle a purchase quickly while your longer-term funding is being finalised
- Buy before you sell, or avoid being forced into a discounted sale
- Complete a renovation or fit-out so the property can trade at a higher nightly rate
- Refinance away from a loan that no longer suits the asset’s new use
- Act on an urgent settlement where conventional lenders can’t meet the deadline
The main benefit is simple: you keep control of timing. You’re not forced to pause your strategy because a bank process is slow, or because a valuation or policy issue has introduced delays.
Why serviced accommodation funding needs a specialist lens
Serviced accommodation sits in a grey zone between residential property and commercial-style income. Even when the underlying asset is straightforward, the operating model can create funding friction. You might have:
- A property that will be improved and stabilised, so current income doesn’t reflect future performance
- A time-bound settlement that doesn’t align with standard credit timelines
- A value-add plan where the uplift is created by fit-out, furnishing, and presentation, not just location
- A need for quick capital deployment so you can capture peak season demand
Bridging finance can give you breathing room to execute properly. You complete the works, stabilise operations, then move to a longer-term solution when the asset is performing and the story is clean.
Key benefits of bridging loans for serviced accommodation
If you’re weighing up whether bridging finance is “worth it”, focus on outcomes rather than just headline cost. In serviced accommodation, bridging can help you:
- Move fast on a time-sensitive purchase without losing the deal
- Avoid costly delays that impact bookings and revenue momentum
- Consolidate your timeline so renovation, styling, and launch happen in the right order
- Create a clearer refinance exit by improving the asset and demonstrating performance
- Protect your negotiating position by offering stronger settlement terms
When the asset is good and the plan is clear, speed can be a genuine competitive advantage.
How Secured Lending helps you fund serviced accommodation assets
This is where we’re practical. Your serviced accommodation plan might be simple, or it might involve multiple moving parts. Either way, our role is to structure a short-term facility that matches your deadlines and your exit strategy.
We structure for speed and certainty
If you’re facing an urgent settlement, you don’t need a drawn-out process. We focus on the essentials: the security property, the scenario, and the exit. Where it fits, we can work toward Fast outcomes, including same day settlement and funding within 24 hours.
That’s particularly useful when you’re buying under pressure, fixing a settlement issue, or responding to an emergency that needs a clean funding solution.
We fund the asset strategy, not just the property type
Serviced accommodation works when execution is tight. We review your plan and structure the loan term and amounts so you can do what actually drives value: acquisition, renovation, and stabilisation. If you’re planning an uplift, we’ll align the facility with the timeframe required to complete works and reach refinance-ready condition.
We handle urgent scenarios without noise
Sometimes the need is simple: a bank delay, a valuation issue, or a conditional approval that won’t land before settlement. Sometimes it’s more serious: a secured business loan urgent requirement to prevent default, or a gap caused by an unexpected delay in sale proceeds. In these situations, we focus on getting a decision and a pathway quickly, using secured business loans against property to bridge the gap.
Clear parameters and meaningful capacity
We can structure facilities with an interest rate starting at 9.2% p.a (risk and scenario dependent). For the right secured deals, you can borrow up to $10million. This makes bridging workable not only for single-property serviced accommodation, but also for investors building a small portfolio or upgrading higher-value assets in premium suburbs.
Private Lender for serviced accommodation bridging
Secured Lending is a private lender in Australia. We are a non-bank lender and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That matters because non-bank credit is built for speed and real-world scenarios, especially where a traditional lender’s timeline doesn’t match your settlement date.
If you need private lender urgent funding for serviced accommodation, the goal is not complexity. It’s a clear facility, a clear exit, and a coordinated settlement process.
What a typical bridging process looks like with us
You don’t need jargon. You need steps you can rely on:
- We review the property, your timeline, and your exit strategy.
- We confirm the loan structure and indicative terms quickly.
- We coordinate valuation, legals, and settlement requirements.
- We aim to settle in line with your deadline, including urgent settlement timeframes where feasible.
The result is a short-term facility designed to keep your serviced accommodation strategy moving, without forcing you into a poor decision just to meet a date.
How We Can Help
If you’re buying, refinancing, or upgrading a serviced accommodation asset and timing is tight, bridging finance can give you control and certainty when it matters most. Secured Lending has facilitated over 500 strategic commercial loans to bridge the gap, and we know how to structure short-term funding around real settlement deadlines and practical exits. 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. Learn more about commercial bridging finance for your next project.
FAQs
1. Can bridging finance be used to purchase a serviced accommodation property before selling another asset?
Yes. Bridging is commonly used to buy now and sell later, so you don’t miss the opportunity or accept a discounted sale purely for timing.
2. How fast can Secured Lending settle a bridging loan for serviced accommodation?
Where the scenario fits and documents line up, we can work toward same day settlement or funding within 24 hours. Timeframes depend on the property, valuation, and legal readiness.
3. What security is required for a serviced accommodation bridging loan?
Bridging is secured against property (residential or commercial). The strength and location of the security property and your exit strategy are key.
4. Can I use bridging finance to renovate and launch the serviced accommodation quickly?
Yes. Many borrowers use bridging to acquire and complete value-add works so the asset can be stabilised and refinanced on stronger terms.
5. What loan sizes are available for serviced accommodation bridging?
Subject to the scenario and security, you can borrow up to $10million.
6. How do I plan the exit from a bridging loan for serviced accommodation?
Common exits include refinancing to a longer-term facility once the asset is improved and trading well, or selling another property. We’ll review and confirm the exit plan upfront so the loan term matches your timeline.
