★★★★★Trusted by 400+ Australian businesses

Private Business Bridging Loans

Fast commercial finance to bridge the gap

Experts in strategic, short-term finance

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

Bridge the gap to keep your business on track

At Secured Lending, we provide short-term secured business loans designed to help businesses cover urgent expenses, seize opportunities, or manage temporary cash flow issues—without waiting for long approvals or inflexible banking systems. We are a non-bank, private lender in Australia that can move fast for urgent funding requirements.

What is a Business Bridging Loan?

A bridging loan is a short-term loan that gives your business fast access to capital—usually for 3 to 12 months. It acts as a financial bridge between your current situation and a longer-term solution, such as securing funding, selling an asset, or collecting overdue receivables.

Unlike traditional loans, bridging finance is built for speed, flexibility, and adaptability.

When Can a Short Term Bridging Loan Help?

Business owners turn to bridging loans for situations like:

•Covering payroll during shortfalls
•Paying urgent tax debts (ATO)
•Paying super on payday, or clearing a Superannuation Guarantee Charge
•Purchasing equipment or inventory
•Funding renovations or expansion
•Settling overdue supplier invoices
•Managing unexpected expenses or legal disputes
•Consolidating business debt
•Buying time during property transitions
•Recovering from a natural disaster or cyber breach
•Avoiding foreclosure or insolvency
•Taking advantage of limited-time business opportunities

If it's time-sensitive and essential to your operations or growth—chances are bridging finance can help.

Our Bridging Loan Success Stories

Here are some case studies of our recent short term bridging loans:

→$5.25 Million: A Bridging Loan Success Story →$2.4 Million: Bridging Loan for Working Capital →$1.88 million: Urgent Bridge Secured in 48 Hours →$1.8 Million: Bridging Loan with First Mortgage →$3.6 Million: Bridging Loan Secured by 1st & 2nd Mortgage Unlocking Value in a Luxury Property Sale

Industries

Industries We Service

Bridging finance for property developers

A bridging loan funds a site settlement that the completed stock has not paid for yet. We lend against the site, the finished stock, or another property in the portfolio, as a first or second mortgage, and we lend our own funds with our own credit authority, so the answer does not go to a committee.

It is repaid when the stock settles or a construction facility takes over. That lets a site be secured on a fixed settlement date without discounting the last few lots of the previous project to raise the cash, and because our valuation team is in house, a queue for a valuer is not what costs you the deal.

A bridging loan can help you:

Settle a site purchase before the previous project has sold down
Cover a shortfall when a construction facility is approved but slow to settle
Fund holding costs on a site while approvals are finalised
Release capital tied up in residual stock that is built and not yet sold
Buy out a joint venture partner mid-project
Borrow behind a first facility that stays in place, as a second mortgage

Private lending for Property Development

A bridging loan can help you:

Settle a site purchase before the previous project has sold down
Cover a shortfall when a construction facility is approved but slow to settle
Fund holding costs on a site while approvals are finalised
Release capital tied up in residual stock that is built and not yet sold
Buy out a joint venture partner mid-project
Borrow behind a first facility that stays in place, as a second mortgage

Private lending for Property Development

"With bridging finance, it really comes down to exit certainty, and that is where we like to start. Once we can see the contract, walk through the settlement timeline with you, and understand what retires the debt, we can move quickly. Where those pieces line up and the LVR sits under 70%, we are glad to have a term sheet in front of you within 24 hours."

Gino Tabila

Associate Director

Frequently Asked Questions

We lend from $250,000 up to $10 million against commercial or residential property security. If your funding requirement sits within that range, we can structure a facility that matches it. For deals above $10 million, contact us directly to discuss what's possible.

Yes. As a private lender, we assess your application primarily on the strength of the security property and the viability of your exit strategy — not on whether your financials tick every bank checkbox. If your business has seasonal income, is early-stage, or carries some credit history complexity, a private bridging loan is often the most practical path to funding.

Your exit strategy is central to how we assess your application. The most common exits we see are: sale of the security property, refinance to a long-term bank or non-bank lender once your financials settle, or completion of a development or business transaction that generates the repayment. Whatever your exit looks like, we need to see a realistic, documented path to repayment before settlement.

A bank overdraft or line of credit is designed for ongoing, recurring cash flow — it's a revolving facility tied to your trading history and serviceability. A private bridging loan is a short-term, asset-secured facility designed to solve a specific, time-bound funding need. The approval criteria are different, the speed is different, and the purpose is different. If your need is urgent and tied to a transaction or asset event, a bridging loan is almost always the more appropriate tool.

Our rates start from 9.7% p.a. The rate you're offered depends on factors including the loan-to-value ratio (LVR) of your security, the strength and clarity of your exit strategy, the loan term, and the complexity of your application. Lower LVR and a clean exit typically attract the best pricing.

Our loan terms run from 1 to 24 months, and we understand that business timelines don't always go to plan. If you're approaching the end of your term and your exit is delayed, contact us as early as possible. Extensions can be considered on a case-by-case basis. The worst position you can put yourself in is saying nothing until you're in default.