When you commit to a restructure, the plan is only half the job. The hard part is implementing it. That is where cash pressure shows up. Supplier terms tighten. Key staff need certainty. Fit-outs and system changes have invoices attached. And your turnaround timeline rarely matches a bank’s credit timeline. Contact us today if you need support during this critical phase.

Why implementation funding gets tight

Restructuring plans often depend on actions that cost money before they save money. That gap can be the difference between a smooth transition and a stalled project.

• Paying out urgent creditor settlements to stabilise operations
• Funding redundancy, recruitment, or contractor costs to reset your team structure
• Covering rent arrears, tax payment plans, or critical supplier catch-ups
• Completing a site upgrade, compliance work, or fit-out so you can reopen or scale
• Buying stock so you can trade through the transition and protect revenue

You may not be “failing”. You may simply be mid-change. Timing is the problem. Not capability.

What bridging finance does well in a restructure

A bridging loan is designed for time-sensitive funding where you have a clear plan to refinance or repay. In restructuring, that speed and flexibility matter.

• Speed when you need an urgent settlement to keep a deal intact
• Ability to act on critical steps immediately, rather than in stages
• Secured business loans that can be structured around your plan and timeline
• Reduced distraction for you and your advisers, because funding is coordinated quickly
• A practical tool when banks are slow, conservative, or waiting for “post-restructure” financials

If your restructure has a defined path to stabilisation, bridging finance can buy you time and control.

How Business Bridging Loans helps you implement your restructuring plan

You do not need noise. You need a lender that understands what has to happen next, and can fund it without turning it into a three-month process.

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, Canberra. Our role is simple. We help you secure property-backed funding quickly so you can execute the plan.

We focus on the implementation milestone, not just the story

Restructuring conversations can become theoretical. We keep it practical. We look at:

• What must be paid, and when
• Which payments unlock the next step in the plan
• What needs to settle urgently to avoid compounding risk
• Your realistic exit strategy, including refinance or asset sale timing

This is where experienced structuring matters. Implementation is rarely one payment. It is sequencing.

Fast decisions and urgent funding

When timing is tight, a slow “maybe” is not helpful. We are set up for speed. Depending on your scenario, we can support outcomes like funding within 24 hours, and in some cases fast, same day settlement where an urgent settlement is required.

This is especially relevant when you are dealing with:

• A deed deadline
• A creditor agreement that expires
• A refinancing gap
• A settlement that cannot move
• A private lender urgent requirement where the alternative is an emergency scramble

You stay in control, and the restructure stays on schedule.

Loan sizes and pricing that match real projects

Implementation costs add up. So does the opportunity cost of delays.

With Business Bridging Loans you can borrow up to $10million, subject to security and assessment. Pricing depends on risk and structure, with an interest rate starting at 9.2% p.a for qualifying deals.

You get clear terms. You get a term that matches the exit. And you avoid forcing a long-term product onto a short-term problem.

Security-first lending, built for certainty

Restructuring implementation funding works best when it is secured and simple. We arrange secured business loans backed by property, which supports stronger approval outcomes and faster execution. It also helps you avoid over-complicating the restructure with multiple unsecured facilities.

We coordinate with your advisers and move the process forward

Implementation is usually managed alongside accountants, insolvency practitioners, turnaround consultants, and solicitors. We are comfortable working within that environment. We help align the loan to the restructuring steps, confirm what is required, and keep the process moving.

We have facilitated more than $500m of loans for urgent settlement needs. That experience matters when your timeline is measured in days, not quarters.

A practical example of how bridging can support implementation

You have agreed to a restructure that involves closing one site, upgrading another, and settling an overdue supplier balance so supply resumes. The plan is sound. The cash timing is not.

A bridging loan can provide the immediate capital to complete the supplier settlement, fund the upgrade, and keep trading while you execute the plan. Your intended exit might be a refinance once updated financials reflect the new operating model, or a planned asset sale once conditions are right.

You get the time to implement properly, rather than piecemeal.

Next steps

If you are ready to implement your restructure, focus on certainty. Map the payments. Map the deadlines. Then match funding to the timeline.

Business Bridging Loans can help you move fast with a secured bridging loan for restructuring implementation. Assess your scenario today.

FAQs

1. When does bridging finance make sense for restructuring implementation?

When you have a clear plan, time-sensitive steps, and a realistic exit such as refinance or sale. It is most useful when delays create more cost or risk than the loan itself.

2. How fast can Business Bridging Loans fund?

Subject to assessment and documentation, we may be able to arrange funding within 24 hours. In urgent cases, fast, same day settlement may be possible when an urgent settlement deadline must be met.

3. What can the funds be used for during implementation?

Common uses include creditor settlements, supplier catch-ups, site works, fit-outs, stock purchases, and transition costs tied directly to implementing the restructuring plan.

4. How much can I borrow and what is the rate?

You may be able to borrow up to $10million, depending on your security and scenario. Rates vary, with an interest rate starting at 9.2% p.a for qualifying deals.

5. Do you lend Australia wide and are you a bank?

We are a non-bank lender and a Private Lender in Australia. We lend Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra.