When a property or business opportunity is sitting in front of you, time is rarely on your side. Settlement dates don’t move, vendors don’t wait, and delays in documentation can cost real money. That’s where bridging finance for Trust structures can make a practical difference—especially when the asset is held in a family trust, unit trust, or a corporate trustee arrangement. Contact us today to discuss your scenario.
Why bridging finance suits trust-based ownership
Bridging finance is designed to cover the gap between a time-sensitive need for funds and a near-term exit (like a sale, refinance, distribution event, or settlement on another asset). In trust-based ownership, that gap can be more common than people expect, because trust administration and lender requirements can create timing friction.
Here are the practical benefits when your asset is held in a Trust structure:
- Keep control of timing. You can meet an urgent settlement while your longer-term refinance or sale runs its course.
- Avoid forced decisions. You don’t have to discount an asset sale simply to meet a deadline.
- Work with trust realities. Trust deeds, trustee resolutions, and beneficiary considerations can add steps—bridging finance helps you stay moving while these are coordinated properly.
- Support portfolio strategy. Trust ownership is often about flexibility and long-term planning; bridging finance can support that without unraveling your structure.
- Speed matters. When structured well, you can target Fast outcomes, including same day settlement in exceptional cases, and funding within 24 hours when the file is ready.
Bridging finance is also useful when the trust holds property that needs a quick uplift—renovation to secure a higher valuation, completing a project milestone, or managing a cash call tied to a purchase or settlement chain.
Where trust-based deals usually get stuck
Most delays aren’t because the deal is bad. They happen because trust-based ownership introduces additional checks. Common sticking points include:
- Confirming the trustee (individual vs corporate trustee) and signing authorities
- Reviewing the trust deed and any amendments
- Preparing trustee resolutions and ensuring the borrowing purpose is allowed
- Managing multiple parties (accountants, solicitors, agents) under tight deadlines
- Handling situations where the incoming lender wants a clean, simple path to security
If you’ve ever been told “we just need one more document” for the third time, you already know how quickly a straightforward purchase becomes an emergency.
How Secured Lending structures bridging finance for Trust structures
This is where we’re most useful: we remove friction, coordinate the right parties, and keep the focus on settlement certainty.
We arrange secured business loans that are built around the realities of trust ownership. That means we don’t try to force you into a one-size-fits-all application process. We look at the asset, the timeline, and your cleanest exit path, then structure the bridging loan so it actually works in practice.
What you can expect from us:
- Scenario-first assessment. We review your trust-based ownership position, your settlement deadline, and the property security, then confirm the most workable structure.
- Document coordination. We’ll tell you exactly what’s needed from the trustee side (deed, resolutions, ID, company documents if applicable) and align it with your solicitor’s process.
- Speed with control. If the deal stacks up, we push for Fast outcomes—because urgent settlement is the whole point of a bridging loan.
- Clear loan sizing. We can help you borrow up to $10million (subject to the property, equity position, and exit strategy).
- Pricing transparency. We can consider solutions with an interest rate starting at 9.2% p.a (pricing varies by risk, structure, and timeframe).
- Exit-driven lending. The loan is designed to be temporary. We keep the focus on your refinance, sale, or other planned exit so you’re not left “rolling” a short-term facility longer than intended.
If you need a commercial bridging finance solution because a bank timeline won’t match your settlement date, bridging finance can be the difference between securing the asset and losing it.
Private Lender bridging finance you can use Australia wide
Secured Lending is a private lender in Australia and a non-bank lender, operating Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. This matters when time is tight, because non-bank credit can be more responsive and more practical when a trust structure is involved.
If you’re dealing with an emergency deadline, we focus on what actually drives approval: the quality of the property security, the equity position, and a credible exit. That’s how we help clients move toward same day settlement where possible, and funding within 24 hours when the legal and valuation steps are ready to proceed.
Typical trust-based scenarios we see
Bridging finance for Trust structures is commonly used when:
- You’re buying before selling and the trust holds the current property
- A refinance is approved “in principle” but not ready in time for settlement
- You need to complete a purchase while trust documentation is being finalised
- A time-sensitive acquisition comes up and you need certainty now
- You’re replacing an expiring facility and can’t afford a gap in funding
These are not unusual situations. They’re simply time-sensitive—and that’s exactly what bridging finance is designed for.
How We Can Help
Secured Lending helps you turn a trust-based ownership situation into a workable, settlement-ready plan. We review your structure, confirm what your solicitor needs, coordinate the trust documentation, and arrange a bridging facility that matches the reality of your timeline. We’ve facilitated over 500 strategic commercial loans to bridge the gap, and we apply that experience to keep your transaction moving, even when it’s private lender urgent, an emergency, or an urgent settlement that can’t slip.
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.
FAQs
1. Can a trust (with a corporate trustee) take out bridging finance?
Yes, bridging finance can be structured with an individual or corporate trustee, as long as the trust deed permits borrowing and the correct trustee resolutions and signatories are in place.
2. What documents are typically required for a Trust structure bridging loan?
Commonly: the trust deed (and amendments), trustee details, company documents if there’s a corporate trustee, identification, trustee resolutions, and property/security documents. Your solicitor usually helps finalise execution.
3. How fast can a bridging loan settle for a trust?
Timeframes depend on readiness of documents and property security. Where everything lines up, we can target funding within 24 hours, and in exceptional cases same day settlement.
4. What can the bridging funds be used for?
Most commonly for property settlements, refinance gaps, or time-sensitive acquisitions where waiting for bank credit would risk the deal. It’s designed as short-term capital with a defined exit.
5. How much can I borrow and what are the rates?
Depending on the security and exit, you may be able to borrow up to $10million. Rates can start from an interest rate starting at 9.2% p.a, with final pricing based on risk and structure.
6. What makes a Trust structure deal harder, and how do you reduce the friction?
Trust deeds, resolutions, and signing authority can slow traditional lenders. We reduce friction by reviewing the structure early, confirming the approval pathway, and coordinating with your solicitor so you’re not chasing documents at the last minute.
