When you’re running a business or managing a portfolio of assets, lending structures can become messy over time. A facility that once made sense can turn into multiple loans with different covenants, mismatched terms, and renewal dates that don’t align. That’s where bridging finance for Facility reset can be the difference between feeling boxed in and getting back to a clean, workable structure. Contact us today to discuss your scenario.
What a Facility Reset Really Means in Practice
A Facility reset is about simplifying and repositioning your lending so it supports what you’re doing now, not what you were doing years ago. You might be:
- Consolidating multiple facilities into one cleaner structure
- Clearing short-dated debt before refinancing onto longer terms
- Removing outdated conditions or cross-collateralisation that’s limiting flexibility
- Aligning maturities so you’re not constantly renegotiating under pressure
The challenge is that resets are often time-sensitive. A lender may offer a refinance, but their process and valuation timelines can be slow. Meanwhile, your existing facility might be expiring, a discharge is delayed, or a settlement date is immovable. That’s where a bridging loan steps in.
Why Bridging Finance Helps with a Facility Reset
Bridging finance is short-term funding secured by property. It’s designed to buy time and create control. For a Facility reset, the value is straightforward: it lets you reset the structure first, then refinance properly once the dust settles.
Key benefits you can expect from commercial bridging finance for a Facility reset include:
- Speed when the clock is the enemy. If you’re facing an urgent settlement, you don’t want your reset to hinge on a bank’s internal timeline.
- Simplicity. A bridging facility can clear out legacy loans so you can rebuild the structure in a deliberate way.
- Reduced friction. You can remove immediate pressure points (expiry dates, rollover conditions, covenant breaches) while you work toward a longer-term solution.
- Cleaner negotiating position. Once the immediate problem is solved, you’re often in a stronger position to refinance, because the structure is easier to understand and present to incoming lenders.
In plain terms: bridging finance is the short-term tool that lets you reset, simplify, and move forward without being cornered by dates and paperwork.
Where Secured Lending Fits and Why Borrowers Use Us
Most borrowers come to us when they’re capable, organised, and clear on the goal—but they need a lender who can execute quickly. A Facility reset isn’t theoretical. It’s practical. It requires timing, coordination, and certainty.
Secured Lending specialises in secured business loan solutions designed for speed and certainty. We step in when you need fast action, when you’re in an emergency timeline, or when a bank process doesn’t match the commercial reality you’re operating in.
We Start with the End in Mind
A bridging loan should never be “money now, figure it out later.” We review what you’re resetting and why, then structure the bridge to match the exit pathway—sale, refinance, or consolidation onto longer-term debt.
That includes confirming the key dates, discharge requirements, and sequencing. For example, if you need to clear multiple lenders and release securities to simplify the structure, we map the steps so the bridging facility actually solves the bottleneck.
We Move Quickly When Timing is Tight
When you’re facing urgent settlement, speed is not a luxury. It’s risk management.
Secured Lending is built for fast execution, including same day settlement where the file is straightforward and all parties are aligned. In many scenarios, we can arrange funding within 24 hours. If you’ve been told “it’ll take weeks,” we’re the lender you call when the timeline is measured in days.
We Fund Real-World Facility Reset Scenarios
A Facility reset can show up in several common situations. We regularly help borrowers who need to:
- Pay out an expiring facility and reset into a single, cleaner loan
- Clear private or second-tier debt before refinancing to a mainstream lender
- Simplify cross-collateralised structures so assets can be sold or refinanced independently
- Bridge through a restructure where timing of valuations and approvals doesn’t align
The point isn’t that your structure is “bad.” It’s usually that it has grown complicated. Bridging finance lets you simplify without losing momentum.
Private Lender 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 make credit decisions quickly and structure lending around the commercial outcome, not a rigid template. If you need private lender urgent support for a Facility reset, we’re set up for exactly that kind of timeline.
Clear Loan Parameters, with Practical Flexibility
For Facility reset bridging, borrowers want clarity on what’s possible. With Secured Lending, you can borrow up to $10million, depending on the security and scenario.
Pricing matters too, particularly when you’re using short-term funding to simplify lending structures. We keep it clear: interest rate starting at 9.2% p.a (subject to assessment, security, and structure). The goal is not to “keep you in short-term debt.” The goal is to use short-term funding to reset the facility, then transition you to the right long-term structure.
We Coordinate the Moving Parts So You Don’t Carry the Whole Load
Facility resets are paperwork-heavy. Discharges, payout figures, settlements, and timing with multiple parties can create unnecessary delays. We coordinate with your broker, solicitor, accountant, and incoming lender where needed to keep the sequence clean.
That’s how bridging finance should feel: controlled, not chaotic.
FAQs
1. What is the typical term for a bridging loan used for a Facility reset?
Usually short-term. The term depends on your exit strategy (refinance or sale) and how quickly that can be executed, but the purpose is to cover the transition period while the structure is reset.
2. Can bridging finance help if my current lender is refusing to extend the facility?
Yes. This is one of the most common Facility reset triggers. Bridging can pay out the existing facility and give you breathing room to refinance properly rather than accept poor rollover terms under pressure.
3. How fast can Secured Lending settle a bridging loan?
Where the file is straightforward and documentation and security are ready, we can achieve same day settlement. In many cases we can provide funding within 24 hours, especially for urgent settlement requirements.
4. Will a bridging loan help simplify cross-collateralised properties?
Often, yes. A well-structured bridge can pay out and replace multiple facilities, helping you separate securities and reset the structure so each asset can be managed or refinanced on its own merits.
5. How much can I borrow for a Facility reset bridge?
Subject to security and assessment, you can borrow up to $10million with Secured Lending.
6. What should I have ready to speed up approval for a Facility reset bridging loan?
A clear outline of the current facilities, payout figures (or authority to request them), the security property details, and your intended exit strategy. The clearer the plan, the faster we can confirm structure and move.
How We Can Help
If you’re looking at a Facility reset and the timing doesn’t suit traditional lenders, Secured Lending can arrange bridging finance that clears the blockage and simplifies the structure. We focus on speed, certainty, and clean execution—so you can reset your facility and move forward with control. 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.
