Bridging Loans for Businesses
Fast bridging finance that keeps your business moving.
Over $400 million in business loans Australia-wide.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
Bridging finance that keeps your business on track
At Secured Lending, we provide short-term bridging 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.
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 Bridging Loan Help?
Business owners turn to bridging loans for situations like:
Covering payroll during shortfalls
Paying urgent tax debts (ATO)
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.
The Secured Lending Advantage: Why Choose Us for Your Bridging Finance Needs?
At Secured Lending, we understand that navigating the complexities of short-term financing can be daunting. We offer a comprehensive Bridging Finance solution designed to empower your business with the following key advantages:
- Fast Funding and Approvals: We recognise the time-sensitive nature of business decisions. Our streamlined application process and efficient evaluation system allows for rapid loan approvals, often completed within 24 hours. This ensures you receive the capital you need swiftly to capitalise on opportunities or navigate unexpected hurdles.
- Tailored Loan Solutions: We understand that one-size-fits-all solutions rarely work in the dynamic business landscape. Secured Lending offers customised Bridging Finance solutions to meet your specific needs. We collaborate with you to determine the ideal loan amount, structure a flexible repayment schedule that aligns with your cash flow, and choose the most appropriate collateral option for your situation.
- Competitive Interest Rates: Our dedicated team negotiates on your behalf to secure the most competitive interest rates possible for your Bridging Finance loan. This translates to significant cost savings over the loan term, allowing you to invest more resources back into your business and fuel further growth.
- Expertise and Transparency: Our team of experienced financial professionals is dedicated to providing you with clear communication and personalised support throughout the entire process. We explain the nuances of Bridging Finance, answer any questions you may have, and guide you through each step, ensuring you feel confident and well-informed throughout the engagement.
Why Choose Secured Lending?
Over $400 Million in loans serviced Australia-wide.
Frequently Asked Questions
How can we help you?
Bridging loans can be a valuable tool in your business toolbox, offering a quick and flexible solution for short-term funding needs.
It’s important to understand how they work and if they’re the right fit for your business.
A bridging loan is a short-term loan designed to “bridge” the financial gap between two events. For businesses, it’s commonly used in property transactions. Imagine you’ve found the perfect new location for your business, but selling your existing property takes time.
A bridging loan provides the upfront capital to secure the new space without waiting for the sale of your current one. Bridging loans can also be used for renovations, seizing time-sensitive investment opportunities, or covering unexpected expenses.
Bridging loans are ideal for property-related needs where traditional financing might be too slow or cumbersome. Here are some scenarios where a bridging loan can be beneficial:
- Purchasing new commercial space: Found your dream location but can’t wait for your current property to sell? A bridging loan allows you to secure the new space and avoid missing out on a prime opportunity.
- Auction properties: Bidding on an auction property often requires immediate access to funds. Bridging loans provide the capital to participate in auctions, potentially securing a great location at a competitive price.
- Funding renovations: Renovating your existing space can be crucial for growth. A bridging loan helps cover renovation costs while minimizing disruption to your business operations.
- Property chain gaps: Sometimes, property sales become entangled in a chain, with each transaction contingent upon the previous one closing. A bridging loan helps overcome these gaps and ensures a smooth property transaction.
Bridging loans are versatile and can be utilized by a wide range of businesses:
- Startups: New businesses might lack the established financial history required for traditional loans. Bridging loans can provide the necessary capital to secure initial property or equipment.
- Established companies: Expanding businesses may need quick access to funds for additional space, renovations, or equipment upgrades. Bridging loans offer a fast solution to capitalize on growth opportunities.
- Property developers: Developers often operate in fast-paced environments. Bridging loans help secure land purchases or finance development projects before securing permanent financing.
- Businesses seeking relocation or expansion: Bridging loans can help businesses move quickly to secure new locations or expand existing ones without waiting for the sale of their current property.
Bridging loans are short-term solutions, typically lasting from a few weeks to a maximum of 12 months. The exact repayment term depends on the lender, the loan amount, and the agreed-upon exit strategy. This exit strategy outlines how the loan will be repaid, often through the sale of the existing property, securing alternative long-term financing, or a combination of both.
While bridging loans offer numerous advantages, there are potential drawbacks to consider:
- Higher interest rates: Bridging loans typically come with higher interest rates compared to traditional loans due to the short-term nature and associated risk for the lender. It’s crucial to factor in the interest cost when evaluating if the benefits outweigh the expense.
- Collateral requirements: Bridging loans often require collateral, which could be your existing property or another valuable asset the lender can repossess if you fail to repay the loan.
- Exit strategy pressure: Having a clear and realistic exit strategy for repaying the loan within the agreed timeframe is crucial. Miscalculating the sale time of your property or encountering difficulties securing long-term financing can create financial strain.
By understanding the benefits and drawbacks of bridging loans, you can determine if they are the right fit for your business needs. Consulting with a financial advisor and carefully evaluating your specific situation will equip you to make informed decisions regarding your short-term financing options.
Why Choose Secured Lending?
- Finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
Case Studies & Success Stories
Business Loans With Secured Lending
Proven secured lending strategies that drive business growth.
