Quick snapshot:
- Loan Details: $3.5 million second mortgage finance for an Australian-based company
- Challenge: Imminent shareholder ultimatum threatening loss of control
- Approach: Bespoke, fast-tracked funding delivered in 72 hours
- Outcome: Successful buyout, ASX relisting and revitalised business
- Solution: Agile caveat and bridging finance from Secured Lending enabled strategic execution
Nine months ago, a visionary business owner in Australia faced a defining moment: internal shareholder conflict had escalated to a critical ultimatum. A group of dissenting investors demanded $3.5 million in exchange for their shares—paid within a very tight window or face losing control of a business they had sacrificed years to build.
For any entrepreneur, being coerced into surrendering control due to shareholder discord is every nightmare rolled into one. It restricts decision-making, halts innovation, and threatens long-term growth. In this case, traditional banks and mainstream lenders simply couldn’t swing into gear fast enough. Lengthy approval processes and rigid underwriting pipelines meant the window would close well before funding could be secured. This borrower needed a solution that matched both the urgency and the calibre of the opportunity.
What if access to fast, flexible funding could be the difference between failure and transformation?
The Urgent Challenge: Control Teetering on a Deadline
The shareholder ultimatum wasn’t merely financial—it was existential. The borrower risked losing the company they had painstakingly shaped. A delayed payment meant handing over the reins to others who might not share their vision, undermining years of strategic planning and cultural investment.
Traditional bank loans can drag on for months—years even when multiple facilities are involved. Covenants, credit scores, financial statements, extensive due diligence—all necessary, but too slow when business ownership itself is at stake. Without funding on the borrower’s terms and timeline, the momentum and opportunity would evaporate.
This was more than a loan request; it was a critical pivot point. And meeting it would require flexibility, speed and strategic insight.
Bespoke Short-Term Finance in 72 Hours
That’s where Secured Lending stepped in. With a deep understanding of the business’s fundamentals and strategic trajectory, we fast-tracked a tailored financing package. Over just three days, our team undertook a rapid but thorough assessment—recognising not only the urgent buyout need but also the long-term potential of the enterprise.
Rather than defaulting to cumbersome loan processes, our team offered a second mortgage facility of $3.5 million—structured to address the immediate deadline while aligning with the client’s future plans. This was not a standard “tick-the-box” transaction. It was an agile financial solution, responsive to both the human and strategic stakes of the moment.
This approach exemplifies the difference between traditional finance and specialised short-term lending: swift availability when control hangs in the balance, without disrupting existing financing.
From Buyout to Breakthrough: Business Reborn
With the funding secured, the client completed the buyout, restored full control, and embarked on a comprehensive business overhaul. Freed from internal conflict and misaligned partnerships, they began to:
- Streamline operations, reducing complexity and improving efficiency
- Reallocate resources, focusing investment on core strengths
- Execute strategic initiatives, underpinned by clear leadership
Within nine months, these focused actions culminated in the company’s successful relisting on the ASX—a powerful endorsement of the business’s rejuvenated structure and strategy. Market sentiment responded positively, driving a healthy uplift in valuation.
This transformation illustrates a crucial point: with timely access to the right form of capital, a business doesn’t just survive a crisis—it can thrive in its aftermath.
Why Fast, Flexible Lending Matters
This case goes beyond a single success story. It offers these insights for Australian businesses and commercial mortgage brokers:
- Timing is everything: Buyouts, acquisitions and strategic moves often come with strict deadlines. Accessing finance quickly can be the difference between seizing opportunity and missing out.
- Know the business behind the request: The best lenders look past balance sheets to understand vision, people, and strategic rationale.
- Use second mortgages strategically: These facilities enable capital injection without altering primary loan structures—ideal when time is short.
- Non-bank lenders offer agility: Without legacy systems and burdened processes, they can move fast and tailor packages to unique needs.
- Partnering with agile lenders strengthens brokers: Offering timely, creative funding options enhances your value proposition and opens doors to transformative deals.
How Secured Lending Steps In
Secured Lending specialises in short-term business finance tailored for moments exactly like this. Our solutions include:
- Caveat loans and bridging finance: Fast-turn loans against property, ideal for tight timelines
- Second mortgage finance: Ranked behind existing loans, offering additional capital without disturbing existing arrangements
- First mortgage finance: Full property-backed lending for growth or restructure
All delivered with priority turnaround—because timing matters most when control, growth or relisting opportunities are on the line.
If your client is navigating complex buyouts, shareholder disputes or capital bottlenecks, Secured Lending can be the partner that enables decisive action. Our team offers fast, professional guidance and delivers finance options aligned to your client’s strategic goals.
Could your client’s next growth opportunity hinge on getting finance fast?
Contact Secured Lending today on 1300 795 175 or email us at info@securedlending.com.au to explore how our short-term lending can support your client’s business journey.
