When a loan becomes non-performing, the pressure is rarely just about the debt. It affects supplier confidence, bank appetite, and your ability to make clear decisions. You still have a viable business. You just need time, liquidity, and a workable reset. Contact us today if you need urgent support.

Bridging finance for loan restructuring

Bridging finance for loan restructuring can provide that reset. At Business Bridging Loans, we have advised and assisted borrowers through loan restructuring when timelines are tight and traditional lenders move too slowly. We have also facilitated over 500 strategic commercial loans. Business Bridging Loans can help you move fast with a secured bridging loan for loan restructuring. Assess your scenario today.

What loan restructuring is really meant to do

A restructure is not a band-aid. Done properly, it restores control. The goal is to move from reactive repayments to a structure your business can actually carry.

In practical terms, restructuring a non-performing loan may involve:

• paying out arrears and default interest
• replacing a short-term or unsuitable facility with one that matches your cash flow
• clearing enforcement pressure so you can negotiate from strength
• buying time to sell an asset on your terms, not under duress

A common mistake is trying to “push through” without adequate liquidity. That often creates more fees, more stress, and fewer options.

Why bridging finance can work for non-performing loans

Bridging loans are designed for time-sensitive situations. They can be the circuit breaker when the next few days matter more than the next few years.

Key benefits when you are restructuring a non-performing loan:

• Speed. You can address an urgent settlement or an enforcement deadline before it escalates.
• Certainty. The facility is secured, so the decision is primarily based on asset position and exit plan, not months of perfect trading statements.
• Flexibility. Bridging can be used to refinance quickly, clear arrears, or consolidate pressure points into one manageable facility.
• Better outcomes. Time allows you to refinance properly later, or sell assets without a forced discount.

If you are facing an emergency timeline, bridging finance can be the difference between a controlled restructure and a distressed outcome.

Where Business Bridging Loans fits in

You do not need another vague promise. You need a clear plan, a lender who can move, and a process that respects your time.

Business Bridging Loans is a Private Lender in Australia. We are also a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. Our work is built around situations where speed and structure matter.

When you come to us for a loan restructure, we focus on three things.

First, we stabilise the situation fast

When a loan is in default, time is expensive. Default rates, legal letters, and enforcement steps can stack up quickly. We aim to stop the bleeding early.

Depending on your scenario, we can arrange fast outcomes, including same day settlement where feasible, or funding within 24 hours for time-critical deals. This is why borrowers use us for urgent settlement, including private lender urgent requests where a bank process will not meet the deadline.

We do not complicate it. We confirm the security position. We confirm the payout figure. We agree on the exit. Then we move.

Second, we structure the bridge around a real exit

A bridging loan is only helpful if the exit is credible. Your exit might be a refinance once the default is resolved. It might be a property sale. It might be a business sale or a planned liquidity event. The point is that it is clear, documentable, and timed.

We help you shape the facility so it supports the restructure, rather than becoming the next problem. That includes aligning:

• loan term to the timeline you actually need
• interest structure to protect cash flow during the restructure period
• conditions to what can realistically be delivered quickly

Our facilities sit within the secured business loans category. That matters, because security gives you options when timing is tight.

Third, we keep the process practical and lender-ready

Restructuring often fails because communication breaks down between parties. Payout figures change. Settlement dates move. Banks request more documents. Legal teams slow the chain.

We coordinate. We work with your broker, accountant, and solicitor, and we keep the path to settlement simple. Our job is to remove friction, not add it.

Typical scenarios we see

You may be in one of these situations:

• A loan has fallen into arrears after a temporary cash flow gap.
• A lender has issued default notices, and you need a refinance fast.
• A property is under pressure, but you want time to sell properly.
• A bank will refinance later, but not until the default is cleared.
• You need to consolidate multiple debts into one manageable facility short term.

In each case, bridging finance gives you time and negotiating power.

Loan size, pricing, and what you can expect

At Business Bridging Loans, you can borrow up to $10 million, subject to security and exit. Pricing depends on the risk profile and structure. In many cases we can offer an interest rate starting at 9.2% p.a, again subject to assessment.

The focus is not “cheap money.” The focus is the cost of delay. A well-timed bridge can protect asset value and prevent compounding default costs.

Why borrowers choose us for restructures

You want calm, not chaos. We bring a steady process, built on volume and repetition. We have facilitated over 500 strategic commercial loans, including urgent and complex settlements. We understand how quickly a restructure can shift, and we stay engaged through settlement.

If you need an emergency solution, we can assess the security and restructure pathway quickly, then tell you plainly what is possible and what is not.

FAQs

1. Can bridging finance be used to pay out a defaulted lender directly?

Yes. In many restructures, the bridging loan is used to refinance the existing debt, clear arrears, and stop enforcement action, subject to a clear payout figure and settlement pathway.

2. How fast can you settle if I have an urgent deadline?

If the security, valuation approach, and documents align, same day settlement may be possible. In many time-sensitive cases, funding within 24 hours can be achieved.

3. What security do I need for a secured bridging loan for restructuring?

These are secured business loans. Security is typically residential or commercial property. The suitability depends on equity, priority position, and the strength of your exit plan.

4. What is a realistic exit strategy after the bridge?

Common exits include refinancing to a bank or non-bank lender once the default is resolved, or selling a property with adequate time to achieve fair value. The best exit is the one you can execute within the loan term.

5. Will a bridging loan fix my underlying cash flow issues?

It can stabilise your position and remove immediate pressure. It also creates time to implement changes. But it is not a substitute for operational fixes. We look for a practical plan that restores your business financial health, not just a temporary pause.