Short-term finance by situation
Urgent Secured Loans by Situation
Most people find us because something has a deadline. Find your situation, see how a secured loan handles it and what a sensible exit looks like.
A secured loan is a tool for a moment in time. The moment might be a settlement date that will not move, a tax notice with a deadline, a deposit due on exchange or a lender who wants to be repaid.
These pages start from the problem rather than the product. Each one walks through why the situation happens, which structure usually fits, what you need to show and how the loan gets repaid.
Property purchases and settlements
When a property deal needs money on a fixed date.
Settlement shortfall
Settlement shortfall loans secured by property cover the gap between funds available and the amount needed to settle a purchase, often within days.
Read more →Bank finance fell through
Bank finance withdrawn or delayed before settlement? A property-secured private loan can complete the purchase on time, then be refinanced later.
Read more →Auction purchase
Finance for property bought at auction: auction contracts are unconditional, so a property-secured private loan can guarantee settlement on the due date.
Read more →Off-market purchase
Off-market property deals often need fast, certain settlement. A property-secured private loan lets you commit to short settlements and secure the price.
Read more →Deposit funding
Use equity in property you already own to fund the deposit on business premises or an investment purchase, with a secured loan from $20k to $5m.
Read more →Stamp duty funding
Short-term secured loans to pay transfer duty on business property purchases when cash is tied up elsewhere. Repay from a refinance, sale or cash flow.
Read more →GST on commercial property
When GST is payable on a commercial property purchase, a short-term secured loan can fund it at settlement until the input tax credit is refunded.
Read more →Buy before you sell
Bridging finance to buy new business premises or investment property before your existing property sells. Secured over one or both, repaid from the sale.
Read more →Development site purchase
Private finance to settle a development site quickly: land loans secured over the site and other property, held until approvals or construction finance.
Read more →Land awaiting DA
Secured finance to hold land while a rezoning or development approval is assessed. Capitalise interest, cover holding costs and repay once approved.
Read more →Part-complete development
When a construction lender stops funding or a builder fails mid-project, secured finance can refinance the site and fund completion. Here is how it works.
Read more →Tax and creditor pressure
Deadlines set by the ATO, creditors or an existing lender.
Director penalty notice
A director penalty notice can make you personally liable for company tax debts after 21 days. A secured loan can pay the ATO in full before that happens.
Read more →ATO garnishee notice
An ATO garnishee notice can divert money from your bank or customers to the ATO. A secured loan can clear the tax debt so normal trading can resume.
Read more →Defaulted ATO payment plan
A defaulted ATO payment plan can lead to firmer collection action. A property-secured loan can pay the remaining balance in full and stop the escalation.
Read more →Statutory demand
A creditor's statutory demand gives a company 21 days to pay or act. A property-secured loan can pay the debt in time and avoid a presumption of insolvency.
Read more →Winding-up application
If a creditor has applied to wind up your company, paying the debt quickly may resolve it. A secured loan can fund payment while you get legal advice.
Read more →Receivership refinance
When a lender has issued default notices, appointed receivers or moved toward a mortgagee sale, a secured refinance can repay it and return control.
Read more →Super guarantee debt
Unpaid super can become a super guarantee charge and a director penalty risk. A secured loan can pay it in full, and Payday Super changes the rules from 2026.
Read more →Expiring private loan
A private or short-term loan nearing maturity, with no extension offered, can be refinanced into a new secured loan to buy time for the exit.
Read more →Running and growing the business
Acquisitions, buyouts, payroll, stock and cash flow gaps.
Business acquisition
Use property equity to fund a business acquisition: purchase price, stock, working capital and settlement costs, with a secured loan from $20k to $5m.
Read more →Partner buyout
Fund a partner or shareholder buyout with a property-secured loan. Pay the departing owner on time and give the business room to adjust under new ownership.
Read more →Payroll gap
Property-secured funding to cover wages, super and PAYG withholding when large customers pay late or a contract starts before the first payment.
Read more →Stock and suppliers
Use property equity to fund bulk stock, seasonal orders and supplier payments, then repay from sales. Secured loans from $20k to $5m with flexible terms.
Read more →Run the numbers first
Bridging Cost Estimator
Enter the costs you have been quoted and the term. See the total, peak debt and what is left at exit. No rates assumed.
Open the calculator →Exit Strategy Timeline
Map the sale, refinance or payment that repays the loan, with buffers, and pick a sensible term.
Open the calculator →Questions about situations
How quickly can an urgent secured loan be arranged?
On straightforward deals, funds can arrive in as little as 24 hours once documents are signed. Deadlines involving other parties, such as a vendor or a first mortgagee, are best raised on the first call so the timeline is planned backwards from your date.
Do I need a perfect credit history for urgent finance?
No. Short-term secured loans lean on the property and the exit, so past credit issues are considered case by case.
What do I need to show for an urgent loan?
Identification, the property details, what is owed on it and evidence of how the loan will be repaid. Notices, contracts or letters that explain the deadline also help.
What if the deadline has already passed?
Call anyway. Many situations, such as a missed settlement date or a defaulted payment plan, can still be fixed if funds are arranged quickly and the other party is kept informed.
No credit check to enquire
Find out where you stand before anything touches your credit file. A check only happens once you choose to proceed.
Not shopped around
Your enquiry is not sprayed across a list of lenders. It stays with one team that works the deal properly.
A real person on your file
A secured lending specialist reads your details and calls you. Accurate answers on the form mean the right structure first time.
Prefer to start now? Enquire here
About 60 seconds. No credit check when you first enquire, and a secured lending specialist calls you back.
Show us the property and the deadline. We'll show you the structure.
One short enquiry. No credit check when you first enquire, a specialist reading it, and your details kept with one team rather than shopped around.
No credit check to enquire
Not shopped around
A real person on your file