Fast Bridging Loans for Urgent Commercial Funding

We lend from $250,000 up to $10 million against commercial or residential property security. If your funding requirement sits within that range, we can structure a facility that matches it. For deals above $10 million, contact us directly to discuss what's possible.

Yes, and it is one of the more common reasons a bridging file reaches us. An approval withdrawn days out from settlement is a timing problem rather than a credit problem, so we assess the property and the exit instead of re-running the process the bank just abandoned. Where the security is clean and the equity sits inside 70% LVR, a decision comes back in hours and settlement can follow within 24. If the date is inside a week, call us rather than submitting a form.

It funds the difference between what you have available at settlement and what the contract requires. That gap usually opens when a valuation lands under the contract price, a co-purchaser withdraws, or the sale that was funding the purchase falls over late. We take a first or second mortgage over the incoming property, another property you already hold, or both, on an interest-only facility of 1 to 24 months. It is repaid when the delayed sale settles or the long-term finance arrives.

Yes. We settle land purchases, land bank holdings and development sites, and vacant land is acceptable security. Raw land is assessed more conservatively than a completed building, because the resale market for it is thinner, so the lend is written against the land value rather than an end value. The exit carries the most weight: a sale, a construction facility taking over, or a refinance once approvals are in place.

Regularly. Developers use bridging to settle a site before the previous project has sold down, to carry holding costs while approvals are finalised, to release capital from residual stock that is built and not yet sold, and to bridge to a construction facility that is approved but slow to settle. Security is the site, the completed stock, or another property in the portfolio, taken as a first or second mortgage.

Yes, and it is the original use of a bridging loan. We take security over the incoming property, the outgoing one, or both, which lets you bid unconditionally instead of making an offer subject to a sale that has not happened yet. The loan is repaid when the outgoing property settles. The practical benefit is that you sell on your own timing rather than discounting to meet a date somebody else set.

Up to 70% of assessed value, which is the same ceiling that applies to residential and industrial security. On a purchase we work from the assessed value rather than the contract price, so where those two differ, the lower figure sets the lend. If that leaves a shortfall, a second property can be added as additional security to bring the combined position back inside 70%.

Usually. Our valuation team is in house, so a file does not sit in a panel queue waiting its turn. Access to the property is normally the real constraint rather than the valuation itself, which means the single most useful thing you can do is line up the agent, tenant or site manager for inspection at the same time as you call us.

Tell us as soon as you know. An extension before loan documents are issued is straightforward to accommodate. An extension after funds have drawn is a different conversation, because interest is already running. Our terms run to 24 months and extensions are considered case by case, so the position to avoid is going quiet and letting a term expire without raising it.

Yes. As a private lender, we assess your application primarily on the strength of the security property and the viability of your exit strategy. Not on whether your financials tick every bank checkbox. If your business has seasonal income, is early-stage, or carries some credit history complexity, a private bridging loan is often the most practical path to funding.

Your exit strategy is central to how we assess your application. The most common exits we see are: sale of the security property, refinance to a long-term bank or non-bank lender once your financials settle, or completion of a development or business transaction that generates the repayment. Whatever your exit looks like, we need to see a realistic, documented path to repayment before settlement.

A bank overdraft or line of credit is designed for ongoing, recurring cash flow. It is a revolving facility tied to your trading history and serviceability. A private bridging loan is a short-term, asset-secured facility designed to solve a specific, time-bound funding need. The approval criteria are different, the speed is different, and the purpose is different. If your need is urgent and tied to a transaction or asset event, a bridging loan is almost always the more appropriate tool.

Our rates start from 9.7% p.a. The rate you're offered depends on factors including the loan-to-value ratio (LVR) of your security, the strength and clarity of your exit strategy, the loan term, and the complexity of your application. Lower LVR and a clean exit typically attract the best pricing.

Our loan terms run from 1 to 24 months, and we understand that business timelines don't always go to plan. If you're approaching the end of your term and your exit is delayed, contact us as early as possible. Extensions can be considered on a case-by-case basis. The worst position you can put yourself in is saying nothing until you're in default.

Yes, we run one, but it informs the file rather than decides it. A credit report tells us what pressure you are under and who else has an interest in the property, which is genuinely useful. It is not a pass or fail gate. Defaults, judgments, arrears and a discharged bankruptcy are all things we can work with where the equity and the exit hold up.