Fast Bridging Loans for Urgent Commercial Funding

It can. With both factories as security, the combined value is about $4.0 million, and all lending across both properties, including the $300,000 already owing, has to stay within 70% of that, which is $2.8 million. That leaves room for up to $2.5 million of new money, more than the $2,160,000 balance due at settlement. The loan is repaid when your current factory sells. Send us both addresses and the contract this week, so the valuation is done well inside the 60 days.

• →industrial property purchase loans

Yes, if you start this week. Send us the address of the property you are bidding on, the most you expect to pay, and the property that will secure the loan, so our in-house valuation team can assess both before Saturday. Decisions come back in hours, and a letter of offer is issued once terms are agreed. Keep your bidding limit inside what the assessment supports, because the loan is capped at 70% of the assessed value of the security, not the price you pay on the day.

• →auction purchase finance

Yes. Completed dwellings are real property, so the four townhouses can secure a bridging loan that repays the construction lender in full. If they are valued at $950,000 each, the total is $3.8 million and 70% of that is $2.66 million, which covers the $2.1 million owing. The loan is then repaid from the sales. Call us now rather than in week five, because the valuation and the payout figure from the construction lender both need time.

• →residual stock loans

Yes. We lend against the site as it stands today, valued as land, not on what the finished project will be worth. The loan settles the purchase and is repaid when the construction facility starts after approval, or by a sale of the site. Send us the contract, the application number and the planning timeline you have been given, because the exit is the part we look at most closely on a site without approval.

• →land awaiting rezoning or approval

Yes. A bridging loan can fund the goods and services tax at settlement, secured by the building you are buying or another property you own, and it is repaid when the input tax credit from your BAS is paid to you. Ask your accountant when that BAS can be lodged and when the credit should be paid, so the loan term matches it. Our terms start at one month.

• →goods and services tax on commercial property

Yes. We lend our own funds and our valuation team is in house, so a decision comes back in hours and settlement can follow within 24 hours of approval. We do not need your current property sold first, because it can be part of the security while it is on the market. Our bridging rates start from 9.7% p.a. Put that next to the rate your bank quoted and weigh it against the risk of missing a settlement date.

Yes. The loan is secured by your commercial property, not by the business you are buying. Total lending against the property can reach 70% of $2.6 million, which is $1.82 million, and with $500,000 already owing that leaves $1.32 million, enough to cover the $1.2 million price. The loan funds are paid to your business to complete the purchase, and the bank's acquisition loan repays us when it is ready. Send us the bank's approval and its expected funding date.

• →business acquisition finance

Yes. Your company is the borrower, and both properties can secure the one loan: the one you own personally and the one the company is buying. Lending across both stays within 70% of their combined value. When your own property sells, the sale proceeds repay the loan. Your solicitor will explain what it means for you to offer a property you own personally as security for the company's loan.

Yes. The other property you own can secure a bridging loan for the $400,000, as long as all lending against it stays within 70% of its value. The loan funds are paid to your business before exchange, and the loan is repaid when the purchase settles or the other property is sold or refinanced. Send us the property address, what is owing on it and the contract today, so the decision is back well before Friday.

• →deposit funding

Not necessarily. Tell us the day the buyer withdraws. Our terms run to 24 months and extensions are considered case by case, so a relisting with a realistic timeline, or a refinance of the loan, are things we can discuss before the term ends. The position to avoid is saying nothing until the term expires. Bring us the agent's advice on price and timing, so we can talk about the new exit with real numbers.

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.

Yes. Bridging finance also covers deadlines such as an expiring private loan, a business purchase or GST due on a commercial property, and each has its own page.

• →urgent same day loans