Running an aged care facility is operationally intense and capital hungry. Payroll does not wait. Compliance timelines are fixed. Maintenance can turn urgent overnight. At the same time, the best growth opportunities are often time-sensitive. Bridging finance for aged care facilities exists for these moments. It gives you short-term funding secured against property, so you can act now and refinance or repay later. Contact us today if you need to move quickly and want to discuss your scenario.

What a bridging loan does in aged care

A bridging loan is designed to cover a gap. It is not built for a multi-year term. It is built for speed, certainty, and control when timing is working against you.

In aged care, the gap usually looks like this:

• You need funds before a refinance is finalised.
• You are waiting on a sale, a valuation, a resident agreement cycle, or a DA outcome.
• You have an acquisition or urgent settlement date that will not move.
• You are upgrading rooms, kitchens, nurse call systems, lifts, or fire compliance, and you cannot delay the work.

A bridging loan lets you keep operations steady while you execute the next step. It can also help you capture growth while you line up longer-term funding.

Practical benefits for aged care facility operations and growth

Bridging finance is useful when it reduces risk, not when it adds complexity. Used well, it can:

• Protect operational continuity. You can meet wages, suppliers, insurance, and critical contractors without waiting on slow processes.
• Support compliance and safety works. You can fund essential capex that impacts accreditation outcomes and resident wellbeing.
• Create negotiating power. Stronger deposit capacity can help you secure a property or business purchase on better terms.
• Give you time to optimise a refinance. You can avoid rushing into a long-term facility that is not priced or structured well.
• Keep momentum during change. If you are transitioning ownership, renovating, or repositioning the facility, bridging can smooth the cash flow curve.

This is especially relevant when your opportunity is paired with an urgent settlement, or when an unexpected repair or regulatory requirement becomes an emergency. The right structure can turn a stressful timeline into an orderly plan.

How Business Bridging Loans helps you move fast

You do not need a lecture on finance. You need a lender who can assess the asset, the exit, and the deadline, then execute.

Business Bridging Loans is a Private Lender in Australia. We are also a non-bank lender, which means our process is built for speed and commercial reality. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.

Here is what you can expect when you work with us.

We start with your timeline and your exit

Every bridging loan should have a clear exit strategy. Common exits in aged care include sale proceeds, refinance to a term facility, or refinance after stabilising occupancy and financials.

We review your scenario with a lender’s lens and an operator’s understanding. We focus on what matters:

• What is the security property?
• What is the true deadline and what happens if it is missed?
• What is your clean exit path and realistic timeframe?
• What is the minimum funding required to remove pressure, and what is the maximum you want to carry?

This is where many borrowers waste time. They chase a perfect loan structure instead of a workable one. We keep it practical.

Secured business loans with clear parameters

Our bridging solutions are secured business loans. That means the loan is supported by property security, with terms aligned to short timeframes.

We can structure funding that matches the real use case in aged care, including:

• Settlement funding for a purchase where bank timelines are too slow
• Short-term capital for renovations and compliance works
• Liquidity support during refinance, transition, or sale
• Funding to bridge between acquisition and longer-term commercial funding

Where it fits, you may be able to borrow up to $10million. Pricing depends on the risk and structure, but we can offer an interest rate starting at 9.2% p.a in suitable scenarios.

Speed when speed is the point

In bridging, speed is not a perk. It is the product.

If your deal requires fast execution, we can work toward fast, same day settlement in the right conditions. In many scenarios, we can arrange funding within 24 hours once the key items are in place and the structure is sound.

This is also where we are useful when you are facing an urgent settlement and need a private lender urgent response that is realistic, not theoretical.

Calm coordination under pressure

Aged care transactions often involve multiple moving parts. Accountants, brokers, solicitors, vendors, agents, valuers, and sometimes multiple properties. We coordinate directly and keep the process tight.

You get:

• Straight answers on feasibility
• Clear steps to approval and settlement
• A structure designed to be refinanced or repaid cleanly
• A lender who understands that delays create real operational consequences

When timing is critical, we treat it like it matters. Because it does.

When bridging is a good fit for your facility

Bridging finance can be a strong fit if you have a clear exit and quality security, and you need capital faster than traditional channels can deliver.

It may suit you if:

• You are buying or expanding and the settlement date is fixed
• You are upgrading the facility to protect revenue and standards
• You are mid-transition and want breathing room before a refinance
• You want certainty now, then optionality later

If you are dealing with an emergency timeline, our role is to reduce friction and help you execute the plan without compromising your longer-term position.

FAQs

1. What can bridging finance be used for in an aged care facility?

Common uses include acquisition deposits or completion, urgent settlement gaps, essential upgrades, compliance works, and short-term working capital support tied to a clear exit like refinance or sale.

2. How fast can Business Bridging Loans settle?

Where the security and exit are clear and documents are ready, we can work toward fast, same day settlement. Many scenarios can be structured for funding within 24 hours.

3. How much can I borrow?

Depending on the security and overall structure, you may be able to borrow up to $10million. We assess the deal on its merits, including the asset, location, and exit strength.

4. What security do you take for these secured business loans?

Our loans are secured against property. We focus on straightforward property security so the loan can be assessed and executed quickly.

5. Are you a bank?

No. Business Bridging Loans is a non-bank lender and a Private Lender in Australia. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra, and can act when bank timelines do not match your deadline.