When you’re negotiating a longer-term loan restructuring, time is often the one thing you don’t control. Lenders have credit committees, valuation timelines, document backlogs, and competing priorities. Meanwhile, your obligations keep moving: a payout figure expires, a default notice deadline lands, or an urgent settlement is required to prevent a problem becoming a much bigger one. Contact us today if you need immediate assistance.
That’s where a caveat loan for a Loan Restructure Bridge can be practical. At Secured Lending, we’ve advised and assisted borrowers using this kind of Loan Restructure Bridge when they needed speed, certainty, and breathing room while they finalised longer-term terms. We’ve also facilitated over 500 strategic commercial loans and over $500m of loans for urgent settlement needs. Secured Lending can help you move fast with a bridging loan for a Loan Restructure Bridge. Assess your scenario today.
What a Caveat Loan Does in a Restructure Scenario
A caveat loans is a short-term, property-secured loan where the lender typically registers a caveat on title as part of the security process. In plain terms, it’s a way to access capital quickly against real property, without the full timeframes you’d normally see with traditional bank credit.
In a restructure context, the goal usually isn’t to “solve everything” with short-term funding. The goal is to buy time while negotiating longer-term loan restructuring and to stabilise the situation so you can negotiate from a stronger position.
Used correctly, a Loan Restructure Bridge can help you:
- Meet a deadline that can’t move (payout, settlement, statutory demand timing)
- Reduce pressure while you negotiate terms with your existing lender
- Prevent value-destructive decisions (forced sale, fire-sale refinance, or missed settlement)
- Keep a project, business, or asset strategy intact while the long-term solution is documented
Key Benefits of Caveat Finance for a Loan Restructure Bridge
The main advantage is speed and certainty, not complexity. When the clock is running, a caveat loan can be the difference between controlling the process and being controlled by it.
Practical benefits include:
- Fast access to capital when timing matters most
- Potential for same day settlement in suitable scenarios
- In many cases, funding within 24 hours once the security and documents are ready
- A clear, short-term runway to finalise negotiations and paperwork
- A property-secured structure that suits real-world, time-sensitive lending decisions
This can be especially relevant if you’re trying to restructure facilities, refinance away from a bank, settle a dispute, or manage a transition between lenders.
Where Secured Lending Fits In
Secured Lending is a Private Lender in Australia, a non bank business lender, and we operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Our role is to help you structure short-term finance that is simple, practical, and aligned with your exit plan.
A Loan Restructure Bridge is not just “money quickly.” It’s a coordinated outcome: the loan, the security, the payout figures, your solicitors, and the timing all have to line up. This is where our team adds real value.
We Focus on the Outcome You Actually Need
In a restructure, you usually want one of two outcomes:
- Time to negotiate and document the longer-term restructure, or
- Time to complete a refinance, sale, or restructure event that’s already in motion
We help you pressure-test the plan and structure the loan around it, so you’re not left with a short-term facility and no clear way forward.
Funding Size and Pricing Built for Real Transactions
Depending on your property, equity position, and scenario, you may be able to borrow up to $10million. We also structure secured business loan where the security is property and the purpose is business-related.
Pricing depends on risk and structure, but we can offer an interest rate starting at 9.2% p.a on suitable deals. The key is matching the term, amount, and exit to what your negotiations and documentation timeline realistically require.
Speed Matters, and We’re Built for It
If your matter is an emergency, you don’t need a long educational process. You need decisions, documents, and a clear path to settlement. We regularly assist borrowers where timing is tight, including private lender urgent scenarios.
Our process is designed to move quickly once the basics are confirmed:
- We review your property, equity, and purpose
- We confirm the required loan amount and timeframe
- We coordinate with your solicitor for security and settlement
- We work toward settlement with a focus on certainty, not delays
In appropriate cases, this can support same day settlement or funding within 24 hours. Not every scenario qualifies, but we will be direct with you about what’s realistic and what isn’t.
We Help You Negotiate from a Position of Control
A restructure discussion goes better when you’re not negotiating under immediate pressure. A caveat loan used as a Loan Restructure Bridge can help you remove the “deadline leverage” from the other side, so you can focus on:
- better terms,
- clearer covenants,
- realistic timeframes,
- and a plan that protects your broader portfolio or business objectives.
That’s often the difference between a restructure that works and a restructure that creates another problem six months later.
Private Lending
As a private lender, we understand the urgency and complexity of loan restructure scenarios. Our experience allows us to deliver practical solutions that align with your business objectives and timelines.
Common Situations We See
You might consider a caveat loan for a Loan Restructure Bridge if you’re facing:
- A refinance delay while valuations or approvals drag out
- A settlement deadline while longer-term funding is still being negotiated
- A time-sensitive payout or arrears position you want to clear while restructuring
- A transition from bank to non-bank funding that needs a clean handover
The consistent theme is simple: you’re not looking for permanent finance today. You’re looking for time, structure, and certainty.
FAQs
1. How does a caveat loan help during loan restructuring?
It gives you short-term funding secured by property so you can meet deadlines and keep negotiations moving without being forced into a rushed long-term decision.
2. Can Secured Lending settle quickly if my deadline is imminent?
Yes, in suitable scenarios we can be Fast, including potential same day settlement or funding within 24 hours, depending on documents, security, and settlement readiness.
3. What can I use as security for a Loan Restructure Bridge?
Typically, residential or commercial property in Australia is used as security. The strength of the property and available equity will shape how much you can borrow and how quickly we can proceed.
4. How much can I borrow and what are typical terms?
Subject to assessment, you may be able to borrow up to $10million. Terms are usually short and aligned to your restructure timeline or refinance plan.
5. Is Secured Lending a bank?
No. Secured Lending is a non-bank lender and a Private Lender in Australia, providing short-term, property-secured lending solutions Australia wide.
6. What should I have ready to move quickly?
A clear purpose (your Loan Restructure Bridge goal), property details, the required loan amount, and your intended exit strategy (restructure completion, refinance, or sale). If solicitors are already engaged, settlements can move faster.
How We Can Help
If you need a caveat loan for a Loan Restructure Bridge, we’ll review your scenario, confirm what’s achievable, and structure a clear path to settlement using secured business loans where appropriate. We operate Australia wide across Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra, and we’re used to time-sensitive matters where delays are costly. 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.
