Quick snapshot
- Loan Size & Type: $5.25 million bridging finance secured by a completed residential development
- Location: High-quality suburb (details client-preferred confidential)
- Initial Exit Strategy: Sell property to repay lender
- Problem: Market conditions changed; borrower chose long-term hold
- Solution: Restructured loan, part pay‑down and term extension—with Secured Lending’s support
When your $5.25 million project wraps up and the market shifts under your feet, what do you do next? You need a lending partner ready to pivot just as fast as you are.
Imagine finalising construction on a premium residential development. You have a bridging loan in place, confidence in your exit strategy, and a clear path to repay through a sale. But then market dynamics shift—interest rates tick up, buyer sentiment stalls—and suddenly that planned sale no longer makes sense.
You’re facing a big decision. That’s when our borrower, a seasoned entrepreneur, called Secured Lending. He’d built the project, listed it, and planned to sell—but now, seeing the opportunity in holding, he wanted to refinance and retain the property as a long-term asset.
Deferred sale, accelerated insight
It might sound simple to say, “we’ll just hold it”—but behind that lie serious cashflow, risk and timing considerations. The borrower needed to prove to us that holding made sense financially and that he could realistically refinance through a major bank.
He sat down with us. He showed his numbers—income forecasts, loan serviceability, market yield research—and displayed his track record in property. We saw opportunity. We also saw risk, but knew how to manage it.
How Secured Lending stepped in
Loan pay‑down to reset risk
To demonstrate commitment, the borrower chipped in a significant equity injection. This reduced the loan from $5.25 million to a more conservative figure, lowering our exposure and increasing his skin in the game.
Term extension for runway
Instead of forcing an unwanted sale, we agreed to a short-term loan variation. That flexibility gave him enough runway—several months—to secure traditional banking refinance, rather than rush to sell on an uncertain market.
Transparent plan, strong borrower
He laid out a step-by-step refinancing strategy: approach major lenders, lock rate offers, and meet security and covenants. His record instilled confidence—Secured Lending could see he was capable of delivering.
Within a few months, the borrower executed the plan flawlessly: he obtained traditional finance, refinanced the $5.25 million bridge, and repaid us in full.
Why this matters — and what it means for you
- Flexibility isn’t a buzzword—it’s essential
Real estate deals rarely go perfectly. Market shifts, policy changes, buyer sentiment—each can upset your exit plans. Having a lender who can reshape the structure quickly makes all the difference. - A collaborative approach builds success
When communication is open—no hidden agendas, just facts and clear intentions—we can design solutions tailored to you, not off-the-shelf fixes. - We look beyond security
We didn’t just evaluate the bricks and mortar—we assessed the borrower’s capacity, the business plan, and the long-term viability of the investment. - Strategic tools for transitions
Bridging finance can be more than stop-gap capital. Used purposefully, it’s a tool for strategic asset repositioning—like turning a planned sale into a long-term investment.
So, how does Secured Lending help you?
You might be a developer who needs time to pivot from building to refinancing. Or an investor spotting long-term opportunity in what was once a quick turnover play. Either way, our focus is on fast decisions, tailored solutions, and minimal friction—so you can execute your revised plan with confidence.
We specialise in short‑term business loans—including caveat loans, bridging loans, and first‑ and second‑mortgage finance. We move quickly when traditional lenders can’t. We structure to deliver flexibility when you need it most.
Here’s what we bring to the table:
- Fast funding decisions
Our team are decision‑makers; no layers of bureaucracy slowing you down. - Structured for your goals
Whether it’s part-paydown, term-extension, or hybrid structures—we design with your strategy in mind. - Cashflow-friendly commitments
If you’re switching to hold rather than sell, your repayments and timing need to match your income path—and we’ll structure accordingly. - Transparent, client-led communication
We set expectations up front. No hidden fees. No surprises.
How can Secured Lending help?
Short-term business lending isn’t just for emergencies. It’s for strategy. For opportunistic holds. For projects like our $5.25 million case that need agility. Ask yourself: Could your business benefit from a finance partner who adapts as quickly as you do?
Let’s talk about your latest project or pivot. Whether you need bridging, caveat lending, first or second mortgage—we can help with fast-funding, flexible structures, short turnaround.
It’s not about lenders keeping matters moving—it’s about keeping your business moving.
