A South Australian premium tourism and accommodation business undergoing a major restructure and expansion was waiting on a larger refinance when funding timelines began to tighten.

With day-to-day operations continuing and significant investment still flowing into the business, the broker managing the deal needed a fast funding solution to help bridge the gap while the broader transaction progressed.

That’s when they turned to Bizcap.

The challenge

The broker approached Bizcap seeking urgent funding support while a larger multi-million dollar refinance was being arranged through another lender.

The business needed immediate working capital to support day-to-day operations and avoid disruption while the deal progressed

At the same time, the business was continuing to invest in future growth, placing additional pressure on cash flow while the larger refinance was still being finalised.

Traditional funding channels weren’t able to move at the pace the business needed.

The solution

Bizcap initially provided a $50,000 business loan to help relieve immediate cash flow pressure while the broader refinance continued.

As the larger facility moved closer to settlement, the client returned to Bizcap seeking short-term bridging finance ahead of settlement.

Working closely with the broker, Bizcap moved quickly to structure a $425,000 property-backed bridging facility designed to support the business through refinance settlement.

The facility provided:

  • Access to capital while the larger refinance remained underway
  • Short-term support to help the business continue operating without disruption
  • Clear communication about costs, documentation and next steps
  • A smooth settlement process with minimal delays.

Because expectations were clearly outlined from the beginning, the transaction moved quickly once the client was ready to proceed.

Why the deal worked

The deal worked because all parties communicated clearly and kept the process moving.

The broker maintained clear communication from day one and ensured the client understood the structure, timing and requirements upfront.

By working alongside the broader refinance strategy, Bizcap was able to deliver a practical funding solution that supported the business during a high-pressure period.

The outcome

The facility settled successfully, giving the client certainty while completing the broader restructure.

For the broker, the transaction demonstrated the value of having flexible lending partners who can step in when larger transactions take longer than expected.

Ease cash flow pressures this EOFY

As EOFY approaches, many businesses are reviewing existing debt, managing cash flow pressure, or preparing for growth in the new financial year.

But larger finance arrangements don’t always move as quickly as expected. In the meantime, short-term funding can help businesses cover costs and keep operations moving.

If your client needs support during a refinance or time-sensitive transaction, apply now to explore bridging finance and working capital solutions from Bizcap.