When an existing loan term is expiring, a facility is being called in, or a refinance is taking longer than expected, time becomes your biggest risk. This is where a bridging loan for refinancing existing debt can be the difference between staying in control and being forced into a decision you wouldn’t normally make. At Secured Lending, we’ve advised and assisted borrowers through refinancing existing debt scenarios like these for years, and we’ve facilitated over 500 strategic commercial loans to bridge the gap when timing matters. Secured Lending can help you move fast with a bridging loan for refinancing existing debt. Contact us today to assess your scenario.
What Bridging Finance Does When You’re Refinancing Existing Debt
Bridging finance is short-term funding secured against property that gives you breathing space while you complete a longer-term refinance, asset sale, or restructure. In a refinance context, the purpose is simple: pay out an existing obligation now, then replace the bridging facility with a longer-term solution once the paperwork, valuations, approvals, or settlements catch up.
This approach is often used when:
- Your current lender won’t extend, or their renewal conditions have changed
- A loan is in default or close to it, and you need an emergency exit
- You’re selling an asset, but settlement is weeks away
- You’re moving from one lender to another and timing doesn’t line up
- You need to consolidate multiple debts quickly before negotiating a cleaner long-term facility
The main benefit is control. Instead of reacting to a lender deadline, you create your own timeline.
Benefits of Bridging Finance for Refinancing Existing Debt
Used properly, bridging finance is a practical tool, not a last resort. Key advantages include:
- Speed when timing is tight: If you’re facing an urgent settlement date, bridging can be arranged fast, with the right preparation and security.
- Prevents forced sales: You can refinance an existing obligation without discounting an asset just to meet a payout deadline.
- Protects negotiating position: Once the pressure is off, you can negotiate the longer-term refinance from a position of strength.
- Simplifies complex transitions: Bridging can help you tidy up a structure, clear arrears, or consolidate facilities so the next lender sees a cleaner story.
- Short-term only, by design: You’re not locking yourself into a multi-year facility while circumstances are changing.
For the right borrower, it’s simply a time-management tool backed by property.
Why Secured Lending Is the Practical Solution
When you’re refinancing, the problem is rarely “can you pay?” It’s usually “can you pay by Tuesday?” That’s where we focus: speed, certainty, and clean execution.
At Secured Lending, we coordinate bridging loans specifically to refinance existing obligations, including commercial and business-related facilities secured by property. We’ve facilitated over $500m of loans for urgent settlement needs, and our process is built around removing friction when the stakes are high.
We Start with the Outcome and Work Backwards
You tell us what must happen first: discharge an existing mortgage, stop enforcement action, meet a settlement date, or clear a shortfall. Then we structure the bridging facility around:
- The payout figure and timing
- Your realistic exit strategy (refinance, sale, or restructure)
- The security position and what’s required to settle cleanly
This keeps the loan fit-for-purpose and avoids delays caused by unnecessary complexity.
Fast Approvals and Funding Focus
In bridging, speed matters, but so does accuracy. We move fast because we know what information actually drives a decision and what’s just noise. Where the scenario supports it, we work toward funding within 24 hours and in some cases same day settlement. That’s critical when you’re dealing with an urgent settlement deadline or a lender that won’t wait.
If you’re searching for a commercial bridging finance solution because a bank timeline doesn’t match your reality, we can step in with a property-secured structure designed for short timeframes.
Clear Parameters, Not Vague Promises
You want certainty on what’s possible. We’ll confirm:
- Whether the deal is viable based on the security and exit
- The expected timeframe to settlement
- A sensible loan amount (you may be able to borrow up to $10million depending on the security and scenario)
- Pricing guidance, including where an interest rate starting at 9.2% p.a may apply (pricing depends on risk and structure)
We keep the conversation direct so you can make decisions quickly.
Secured Business Loans That Match Real-World Pressure
Many refinance situations aren’t tidy. You might have multiple facilities, changing revenue, a development timeline, or a sale pending. We arrange secured business loan options that acknowledge this reality, with bridging terms that support your next step rather than blocking it.
If your situation feels like an emergency because the clock is running, we’ll treat it with the urgency it deserves—without turning it into drama.
Private Lender Bridging Across Australia
As a private lender in Australia, Secured Lending is a non-bank lender and we operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. That matters when you need speed and practical decision-making. Bank processes are often built for standard deals and long timeframes. Bridging to refinance existing obligations is often neither. Our job is to assess the scenario, confirm the pathway to exit, and arrange funding that meets the deadline.
What a Smooth Bridging Refinance Looks Like with Secured Lending
You’ll generally move through a tight, practical sequence:
- We review the existing debt and payout requirements.
- We confirm the property security and likely timing to settlement.
- We agree on the exit strategy (sale or refinance) and align the term accordingly.
- We coordinate documents and settlement so the existing obligation is discharged properly.
- You move onto the longer-term facility or complete the sale once ready.
The goal is simple: refinance the existing obligation now, then transition cleanly—without unnecessary cost, delay, or risk.
FAQs
1. When does a bridging loan make sense for refinancing existing debt?
When your payout deadline is sooner than your bank refinance timing, or when you need to clear an existing obligation quickly to protect an asset sale or restructure.
2. How fast can Secured Lending settle a bridging loan?
If the security, documents, and discharge figures are clear, we can work toward funding within 24 hours, and in some scenarios same day settlement is possible.
3. What can the bridging funds be used for in a refinance scenario?
Primarily to pay out existing loans, clear arrears, meet urgent settlement requirements, or consolidate facilities so you can refinance into a longer-term structure.
4. How much can I borrow?
Subject to the property security and the overall scenario, you may be able to borrow up to $10million.
5. What interest rate should I expect?
Rates depend on risk, term, and structure. In suitable cases, pricing may start from an interest rate starting at 9.2% p.a.
6. What does Secured Lending look for to approve a bridging refinance?
A clear property security position, a realistic exit strategy (sale or refinance), and a practical plan to complete the transition within the agreed term.
How We Can Help
If you need bridging finance for refinancing existing debt, Secured Lending will review your scenario, confirm what’s achievable, structure the loan around your exit, and coordinate settlement so you can meet deadlines without losing leverage. 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.
