If you’re planning a Growth recapitalisation, you’re usually doing something smart: reshaping your capital so the business can expand with less friction. The issue is timing. Restructuring equity, refinancing bank debt, negotiating investor terms, or selling a non-core asset can take weeks or months. Meanwhile, the growth opportunity you’re targeting often has a fixed window. Contact us today to discuss your scenario and move quickly.
What bridging finance does in a Growth recapitalisation
Bridging finance is short-term funding secured against property, designed to solve timing gaps. For a Growth recapitalisation, that “gap” is usually between your plan (refinance, restructure, raise, sell, acquire) and the point where longer-term capital is actually available.
Used well, a bridge helps you:
- Execute the recapitalisation steps in the right order, not the fastest order
- Avoid being forced into a discount sale or rushed equity deal
- Keep control of a time-sensitive transaction while paperwork catches up
- Stabilise cash flow while you restructure debt or rebalance working capital
Common Growth recapitalisation scenarios a bridging loan can support include:
- Paying out an existing lender so you can refinance into a better long-term structure
- Funding an acquisition or buyout while a longer-term facility is being finalised
- Injecting growth capital for inventory, equipment, or fit-out upgrades while equity or sale proceeds are pending
- Covering an urgent settlement tied to a strategic purchase or property transaction
In practice, bridging finance is about preserving your negotiating position. When you’re not pressed for time, you make better capital decisions. Learn more about commercial bridging finance options.
Key benefits of bridging loans for recapitalisation-led growth
A Growth recapitalisation isn’t just “more debt” or “more equity.” It’s a deliberate restructure that aims to unlock growth while managing risk. A bridging loan can support that by offering:
Speed and certainty
When you need fast action, bridging can provide momentum. In the right scenario, it can support same day settlement or funding within 24 hours, especially when the priority is an urgent settlement.
Flexibility around the exit
Recapitalisations often have moving parts. A bridge can be structured around clear exit paths such as refinance, asset sale, or capital raise completion, without forcing you into a rigid bank timeline.
Clear, asset-backed lending
For capable borrowers, a secured business loan against real property can be a practical way to access capital quickly while you complete the larger restructure.
Scale for meaningful transactions
A Growth recapitalisation often involves real numbers, not small top-ups. Depending on the security and structure, you may be able to borrow up to $10million.
How Secured Lending helps you structure bridging finance for growth
When you’re recapitalising for growth, you don’t just need funds. You need the loan to fit the plan. Our role is to reduce friction and confirm the moving parts quickly, so you can act with confidence.
We start with your recapitalisation outcome, not just the loan amount
We’ll review what you’re trying to achieve: paying out a lender, rebalancing debt, funding a strategic purchase, or releasing equity to reinvest. Then we work backwards to structure the bridge around:
- The purpose of funds
- The timing of the transaction
- The exit strategy and realistic timeframes
- The property security and supporting documents
This approach matters because a Growth recapitalisation can fail on sequencing. We help you get that sequencing right.
We move quickly when timing is non-negotiable
Some situations are genuinely urgent: a settlement date, a refinance deadline, a vendor that won’t extend, or an opportunity that disappears if you wait for bank credit to catch up. If it’s private lender urgent or even an emergency timeline, we focus on what is achievable and get straight to the point: can we confirm security, confirm the exit, and settle?
Secured Lending has facilitated $500m of loans for urgent settlement needs. That experience shows in how we coordinate the steps, communicate clearly, and keep momentum.
Pricing that is direct and disclosed upfront
Bridging is short-term by nature, so clarity matters more than clever structures. We outline costs early so you can make a clean decision. In suitable scenarios, we can offer interest rate starting at 9.2% p.a, depending on your security, loan structure, and risk profile. We’ll also explain the trade-offs between speed, flexibility, and pricing so you can choose what best supports your recapitalisation.
We coordinate the practical details so you can focus on the deal
Most recapitalisations involve multiple parties: accountants, solicitors, brokers, existing lenders, and sometimes buyers or investors. We will coordinate, confirm, and arrange the lending steps so you’re not chasing updates across five different people. The objective is simple: reduce delays and deliver funding when you need it.
Private Lender options Australia wide
Secured Lending is a private lender in Australia and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. We’re a non-bank lender, which means we can focus on speed, practicality, and real-world security rather than slow internal credit layers. If your priority is moving quickly through a Growth recapitalisation, a private lending approach can be the most direct path from decision to settlement.
How We Can Help
If you’re planning a Growth recapitalisation, we can help you review the capital restructure, confirm the fastest workable path to settlement, and structure a bridging loan that aligns with your exit. Whether you need fast execution, same day settlement, funding within 24 hours, or support for an urgent settlement, we’ll keep it clear and outcome-driven. 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 loans solutions.
FAQs
1) When does bridging finance make sense in a Growth recapitalisation?
When your long-term capital plan is sound, but the timing doesn’t match your settlement or growth window. Bridging finance can cover that gap so you can execute without compromising the recapitalisation terms.
2) What can the funds be used for during a recapitalisation?
Common uses include paying out an existing lender, funding an acquisition deposit or completion, injecting growth working capital, or covering transaction costs tied directly to the restructure and growth plan.
3) How fast can Secured Lending settle?
Timeframes depend on security and documentation, but we can support urgent settlement scenarios and, where suitable, same day settlement or funding within 24 hours.
4) What security is required for secured business loans?
Our bridging loans are secured against residential or commercial property. The property security and the exit strategy are key to approval and structure.
5) How much can I borrow and what rates apply?
In suitable transactions you may be able to borrow up to $10million. Pricing varies by scenario, and in some cases we offer interest rate starting at 9.2% p.a, subject to assessment.
6) What does a strong exit strategy look like for a Growth recapitalisation bridge?
Typically, a refinance to a long-term facility, verified sale proceeds from a property transaction, or a clearly progressing capital event that can retire the bridge within an agreed timeframe. You want an exit that is realistic, documentable, and not dependent on “hope.”
