At a glance
| Loan size | $20,000 to $5,000,000 |
|---|---|
| Typical term | 1 to 12 months |
| Repayments | Interest-only or capitalised |
| Exit | Sale, refinance, payout or contract payment |
| Funding | As little as 24 hours |
How business bridging loans work
Bridging finance exists for one situation: the money is coming, just not in time. A buyer's bank is late, a sale hasn't settled, or a refinance is stuck in credit.
Because the exit is already in sight, we focus on the timing and the security, not the financials. Interest can often be capitalised, so there are no repayments until the loan is paid out.
Who it suits
- Settlement shortfalls and delayed bank approvals
- Buying new premises before selling the old one
- Waiting on an insurance, legal or contract payout
- Developers waiting on sales or progress payments
How it works
- Check eligibility60 seconds online, with no credit score impact.
- Talk to a specialistWe confirm the amount, property and exit plan the same day.
- Get a written offerEvery cost set out clearly, often with just a desktop valuation.
- Sign and settleE-sign, we lodge the security, and funds land in as little as 24 hours.
What you'll need
- Photo ID for each borrower and guarantor
- Property address and who owns it
- What's owing on the property (if anything)
- The loan purpose and your exit plan
Not needed: No tax returns, financial statements, BAS or accountant letters.
Buying a warehouse before the old one sold
A Brisbane distributor found the perfect warehouse but its current premises were still on the market. A bridging loan against both properties funded the deposit and settlement, with interest capitalised. The old site sold four months later and the bridge was repaid in full.
Frequently asked questions
What's the difference between bridging finance and a caveat loan?
Bridging describes the purpose: covering a gap until a known exit. A caveat is one way to secure it. Bridging loans can be secured by caveat, second mortgage or first mortgage, depending on amount and timing.
Can interest be capitalised?
Often, yes. Capitalised interest is added to the loan balance and repaid at the end, so you have no monthly repayments during the bridge.
Can I get bridging finance to rescue a settlement?
Yes. Settlement rescue is one of the most common reasons clients call us. If you're facing a shortfall or a late bank, call 1300 863 711 as early as you can.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.
