If you’re managing a business or investment portfolio, you know that opportunities can appear in unexpected places—sometimes in the form of distressed assets. These are properties or businesses under financial pressure, often available at below-market value. Acting quickly is essential, but traditional finance can be slow, rigid, and risk-averse, especially when time is tight or the asset is outside the usual lending box.
Over the years, we’ve advised and assisted borrowers in Australia to secure funding for distressed assets, helping them move fast and with confidence. If you’re considering a purchase, refinance, or urgent settlement involving a distressed asset, a secured loan can be the practical, reliable solution you need. Assess your scenario today.
Why Secured Loans Make Sense for Distressed Assets
A secured loan is a straightforward concept: you borrow funds using your residential or commercial property as collateral. This security gives lenders confidence, which means you can access larger amounts, better rates, and—most importantly—faster approvals. When you’re dealing with distressed assets, speed and certainty are everything.
- Fast access to capital: When a distressed asset hits the market, you often have days—not weeks—to act. Secured Lending can arrange funding within 24 hours, with same day settlement possible for urgent settlement needs.
- Flexible terms: Unlike traditional banks, we can structure loans to suit your timeline, whether you need a short-term business bridging loan, a second mortgage, or a secured business loans.
- Leverage your existing assets: By using your property as security, you can unlock capital without selling down other investments or disrupting your business cash flow.
- Certainty and control: You know exactly what you’re borrowing, on what terms, and how you’ll repay. This clarity is essential when you’re managing multiple moving parts.
How Secured Lending Supports Your Distressed Asset Strategy
Secured Lending is a Private Lender in Australia with deep experience in urgent, short-term finance. We’ve facilitated over $500 million in loans for time-sensitive opportunities, including distressed assets. Our process is designed for business owners and investors who need to move quickly, with minimal friction.
- Rapid assessment: We review your scenario and confirm eligibility within hours, not days.
- Simple documentation: We focus on the asset and your security, not endless paperwork.
- Direct communication: You deal with decision-makers, not call centres.
- Australia-wide reach: Whether you’re in Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, or Canberra, we can coordinate and settle your loan fast.
Bridging Loans: A Practical Tool for Distressed Asset Purchases
Bridging loans are a common solution when you need to secure a distressed asset before your existing property sells or your long-term finance is in place. They’re short-term, interest-only loans that “bridge” the gap between transactions.
For example, you might spot a commercial property in distress, but your capital is tied up in another asset. A bridging loan lets you act now, secure the property, and then repay the loan once your other asset settles or you arrange longer-term finance.
With Secured Lending, bridging loans can be arranged quickly, with funding within 24 hours and same day settlement for urgent settlement scenarios. This speed can make the difference between seizing an opportunity and missing out. If you need even faster access to funds, caveat loans may also be an option for urgent scenarios.
Why Work with a Private Lender?
Traditional banks are cautious with distressed assets. They often require lengthy approvals, strict valuations, and rigid criteria. As a non-bank commercial lender, Secured Lending operates differently. We assess each scenario on its merits, focusing on the value of your security and the viability of your plan.
We operate Australia-wide, with a presence in Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, and Canberra. Our team understands the local markets and can coordinate fast, flexible solutions wherever you are.
As a private lender, we’re not bound by the same red tape as banks. This means we can offer secured business loans, second mortgage finance, and bridging loans tailored to your needs—without the delays or uncertainty.
Real-World Scenarios: How Secured Loans Unlock Value
- Urgent settlement: You find a property at auction with a short settlement window. We can arrange funding within 24 hours, using your existing property as collateral.
- Business turnaround: You acquire a distressed business with valuable assets but need fast working capital to stabilise operations. A secured business loan provides the breathing room you need.
- Portfolio expansion: You want to add a distressed commercial property to your portfolio but need to move before competitors. A second mortgage or bridging loan gives you the edge.
- Renovation or repositioning: You purchase a distressed asset with potential but need funds for upgrades. A secured loan lets you unlock value, then refinance or sell on your terms.
How We Can Help
Secured Lending is here to help you move quickly and confidently when distressed assets present an opportunity. We’ve provided strategic lending advice for these scenarios in the past and can help assess your situation today. Our team specialises in urgent short-term loan solutions, including bridging finance, second mortgages, and secured business loans. We only accept residential or commercial property as collateral, ensuring a clear, reliable process.
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.
FAQs
1. What types of assets can I use as security for a secured loan?
We accept residential or commercial property as collateral. We do not accept other asset types such as vehicles, equipment, or shares.
2. How quickly can I access funds for a distressed asset purchase?
We can arrange funding within 24 hours, with same day settlement possible for urgent settlement needs.
3. Can I use a secured loan as a bridging loan for a distressed asset?
Yes, bridging loans are a common solution for purchasing distressed assets when you need to act before your existing property sells or long-term finance is arranged.
4. Do you operate outside major cities?
Yes, we are a private lender operating Australia-wide, including Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, and Canberra.
5. What is the process to apply for a secured loan for a distressed asset?
Contact us with your scenario. We’ll review your situation, confirm eligibility, and coordinate documentation. Once approved, we arrange settlement—often within 24 hours.
