Running an aged care facility in Australia is a complex, high-stakes responsibility. You’re balancing resident care, compliance, staffing, and the ongoing need to invest in your property and operations. Whether you’re expanding, upgrading, or simply managing cash flow, access to fast, reliable funding can make all the difference. Over the years, we’ve advised and assisted borrowers with secured loans for aged care facilities, helping them move quickly when opportunities or challenges arise. Secured Lending can help you move fast with a secured loan for aged care facilities. Assess your scenario today.
Why Secured Loans Make Sense for Aged Care Facilities
A secured loan is a practical way to unlock capital using your existing property as collateral. For aged care facilities, this means you can leverage your residential or commercial real estate to access larger loan amounts, often at more competitive rates than unsecured options. The process is straightforward: you offer security (usually your facility or another property), and in return, you get access to funding that can be used for a range of business needs.
Real-World Scenarios Where Secured Loans Help
- Cash Flow Gaps: Government payments, resident fees, and supplier invoices don’t always line up. A secured business loan can bridge the gap, ensuring you meet payroll and supplier obligations without stress.
- Renovations and Upgrades: Regulations change, and so do resident expectations. Whether you’re updating rooms, adding new amenities, or improving accessibility, a secured loan gives you the capital to invest in your facility’s future.
- Equipment Purchases: Medical and mobility equipment is expensive, but essential. Secured loans allow you to purchase or upgrade equipment without draining your working capital.
- Expansion: If you’re acquiring another facility or expanding your current one, a secured loan can provide the upfront capital needed for deposits, settlements, or construction.
- Urgent Settlement Needs: Sometimes, opportunities or challenges arise with little notice. Fast, same day settlement and funding within 24 hours can be the difference between seizing an opportunity or missing out.
The Benefits of Secured Loans for Aged Care Facilities
- Larger Loan Amounts: By leveraging your property, you can access more substantial funding than with unsecured loans.
- Lower Interest Rates: Security reduces risk for the lender, which often means more competitive rates for you.
- Flexible Use: Funds can be used for almost any business purpose—renovations, equipment, working capital, or expansion.
- Fast Approval and Settlement: With Secured Lending, you can secure urgent settlement, sometimes with funding within 24 hours.
- Certainty and Control: You know exactly what you’re offering as security, and you retain control of your property throughout the loan term.
Bridging Loans: A Practical Solution for Transitional Needs
Bridging loans are a type of short-term secured loan designed to “bridge the gap” between two financial events. For aged care facilities, this might mean covering the period between purchasing a new property and selling an existing one, or funding urgent renovations while waiting for government grants or other payments to come through. With a business bridging loan, you get the flexibility to act quickly—whether you’re acquiring a new facility, managing a transition, or responding to an unexpected opportunity. Secured Lending specialises in structuring bridging loans for aged care facilities, ensuring you have the capital you need, when you need it.
Why Work with a Private Lender?
As a Private Lender in Australia, Secured Lending operates nationwide—serving Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. We’re a non-bank commercial lender, which means we’re not bound by the same rigid processes as traditional banks. This allows us to review, structure, and settle loans quickly, often providing same day settlement and funding within 24 hours.
Working with a private lender gives you options. We understand the unique pressures of running an aged care facility and can tailor solutions to your specific needs. Whether you need a second mortgage, a bridging loan, or a secured business loans, we coordinate the process from start to finish, so you can focus on running your facility.
How Secured Lending Supports Your Goals
Secured Lending has facilitated over $500 million in loans for urgent settlement needs, including for aged care facilities. Our approach is simple: we review your scenario, confirm your security, and arrange funding—often within 24 hours. We don’t require obscure assets as collateral; you can leverage your residential or commercial property to secure the funding you need.
We’ve provided strategic lending advice for aged care facilities in the past, helping owners and operators move quickly and confidently. Whether you’re facing a cash flow gap, planning a major upgrade, or seizing a time-sensitive opportunity, we’re here to help you move forward.
How We Can Help
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 loan solutions such as bridging finance, second mortgage, and caveat loans. We’ve provided strategic lending advice for aged care facilities in the past and can help assess your scenario.
FAQs
1. What types of property can I use as security for a loan for my aged care facility?
You can use residential or commercial property as collateral. We do not accept other types of assets as security.
2. How quickly can I access funds for my aged care facility?
With Secured Lending, you can often receive same day settlement and funding within 24 hours, depending on your scenario and the documentation provided.
3. Can I use a secured loan for renovations or equipment upgrades?
Yes, secured business loans can be used for a wide range of purposes, including renovations, equipment purchases, and working capital.
4. What is the difference between a second mortgage and a bridging loan?
A second mortgage is an additional loan secured against your property, while a bridging loan is a short-term solution designed to cover a gap between two financial events, such as buying a new facility before selling an existing one.
5. Do you operate Australia wide?
Yes, as a private lender and non-bank lender, we operate across Australia, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.
