A default notice is a time problem before it becomes a control problem. You may have a strong asset base and a clear plan, but the lender’s timeline is rarely flexible. When you need urgent refinancing to address loan default notices immediately, Contact us today. Bridging finance can buy you the time and leverage to reset your position.

At Business Bridging Loans, we’ve advised and assisted borrowers through default notice refinancing scenarios where speed, discretion, and certainty mattered most. We have also facilitated over 500 strategic commercial loans, including urgent settlement needs across Australia. Business Bridging Loans can help you move fast with a secured bridging loan for default notice refinancing. Assess your scenario today.

Why bridging finance works for default notice refinancing

Bridging finance is short-term capital secured by property. It is designed for tight timeframes. It can be used to refinance an existing loan, clear arrears, stop enforcement from escalating, or meet an urgent settlement while you arrange a longer-term solution.

When a default notice lands, the goal is simple. Remove the immediate breach. Protect your asset. Then negotiate from a position of stability.

• Speed. You can move from assessment to approval quickly when the security and exit are clear. In the right scenario, this can mean funding within 24 hours.
• Certainty of execution. Bridging can be structured to meet a hard deadline, including fast, same day settlement when required.
• Breathing room. You get time to refinance to a lower rate lender, sell an asset on your terms, or stabilise cash flow.
• Reduced knock-on damage. Acting early can help prevent escalation to enforcement, receiver appointment, or forced sale.
• Flexibility. Bridging can support interest-only periods and tailored exits, so you are not boxed in by rigid bank policy.

This is not about masking a problem. It is about using a practical tool to manage timing. Many capable borrowers face a default notice because of a temporary disruption. A delayed settlement. A tenant change. A tax payment. A construction overrun. Bridging finance is built for those gaps.

What Business Bridging Loans does differently when time is tight

Default notice refinancing is not a standard refinance. It is a live situation. Every day matters. Your lender may be sending formal letters while you are trying to keep operations steady. You need action, not a lecture.

Business Bridging Loans is a Private Lender in Australia and a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. Our role is to help you secure fast, property-backed funding and coordinate the process end to end.

Here is how we help, in practical terms.

Step one is triage and a clear plan

We start with the facts. What does the default notice require. By when. What is the payout figure. What security is available. What is your exit strategy.

We then map the shortest path to certainty. That may mean an emergency bridging facility to clear the default first, followed by a planned refinance later. Or it may mean a bridge to facilitate a sale without accepting a discount under pressure.

Step two is structuring a secured solution that fits the deadline

Our focus is on secured business loans backed by residential or commercial property. We structure facilities with clear terms and a realistic exit.

Depending on the scenario, you may be able to borrow up to $10 million. Pricing is risk-based and depends on the asset and structure. In some scenarios, we can offer an interest rate starting at 9.2% p.a.

If you need a private lender urgent solution, we can assess whether your matter is suitable for urgent settlement and whether same day settlement is achievable. Not every file qualifies for that speed, but when it does, we move decisively.

Step three is execution support, not just an approval

Speed fails when coordination fails. Default notice refinancing often involves payout statements, caveats, settlement booking, and lawyers moving in sync. We stay close to the process.

You get clear next steps. You get realistic timing. And you get a lender who is used to time-sensitive files, including emergency refinances where enforcement is looming.

Common scenarios we help with

You do not need to fit a narrow box. Bridging is often used when the bank cannot move fast enough, or will not consider the full context.

• A default notice triggered by temporary cash flow timing, not long-term distress
• A loan expiry or rollover refused, creating an urgent refinancing deadline
• A property sale underway, but settlement is weeks away and the notice is immediate
• A tax or creditor payment needed to stabilise the position while refinancing proceeds

What you should expect from a fast bridging refinance

You should expect direct communication. You should expect a clear list of documents. You should expect transparency on fees, timeframes, and risks. And you should expect your lender to care about the outcome, not just the transaction.

Bridging is a tool. Used well, it creates options. Used late, it becomes more expensive and more constrained. If you have received a default notice, the best move is to act early, even if you are still weighing your longer-term plan.

Business Bridging Loans exists for moments like this. We have helped borrowers protect assets, meet hard deadlines, and regain control with fast, secured lending across Australia.

FAQs

1. Can bridging finance stop enforcement after a default notice is issued?

It can, if you settle the arrears or refinance the facility before the lender escalates. Timing matters. A fast refinance can stabilise the situation and give you room to negotiate.

2. How fast can you settle a default notice refinancing?

In suitable cases we can arrange funding within 24 hours, and where all parties are ready we can target fast, same day settlement. Your security, payout clarity, and legal readiness drive the timeline.

3. What security is required for your secured business loans?

We lend against residential or commercial property in Australia. The property, equity position, and exit plan determine approval and terms.

4. What does the exit strategy usually look like?

Common exits include refinancing to a bank or non-bank lender once the default is cleared, selling a property with a normal marketing period, or using a known incoming payment or settlement event.

5. Is an interest rate starting at 9.2% p.a always available?

No. An interest rate starting at 9.2% p.a depends on the overall risk profile, property type, LVR, and your exit. We set expectations upfront so you can decide quickly and confidently.