Commercial property bridging finance solves a timing problem: the right property is available now, but the long-term finance that will hold it cannot be arranged before the settlement deadline. Banks take 8 to 12 weeks to process commercial property applications. Auction purchases, vendor-driven deadlines, off-market acquisitions, and competitive settlement timelines all require a faster solution. A bridging loan from a private lender completes the settlement, holds the asset, and gives the borrower time to arrange permanent finance on their schedule.
Who This Is For
- •Auction purchases where unconditional exchange is required before finance can be confirmed
- •Purchases with settlement deadlines shorter than a bank's processing timeline
- •Borrowers buying a replacement property before an existing asset sale completes
- •Businesses that need to act on a commercial premises opportunity before their bank application is ready
- •Borrowers preserving an exchange where the bank cannot commit in time
- •Available to Pty Ltd companies, trusts, and SMSFs — not available for personal name borrowing or residential property
How Commercial Property Bridging Works
A commercial property bridging loan is a short-term first mortgage over the property being purchased. We settle the property purchase, the borrower holds the asset during the bridge term, and the exit is either refinance to a long-term commercial lender or sale. The bridge term is typically 3 to 12 months, calibrated to the time the borrower needs to arrange the permanent facility.
Our assessment focuses on the security property value, the LVR, and the exit strategy. For refinance exits, we look at the borrower's realistic path to a long-term facility: has the bank application already started, is the borrower waiting on financials to be prepared, or is there another timing constraint that defines the bridge term needed. For sale exits, we look at the property's market and the realistic sale timeline.
Submit your scenario with the property details, the settlement deadline, and the intended exit. Same-day indicative response. Letter of offer within 24 hours of agreed terms. Settlement from 24 to 72 hours for clean deals.
Three Commercial Bridging Scenarios We Have Recently Helped
A manufacturing company Pty Ltd won a commercial industrial unit at auction with a 42-day settlement. The company's bank needed 10 weeks for a commercial property assessment. We provided a 9-month bridging facility on the industrial unit at 66% LVR. The bank refinanced at month 7. Loan: $1.7 million.
A family trust was purchasing a retail investment property and had exchanged contracts. The vendor required settlement in 28 days. The trust's preferred lender could not commit in time. We assessed the asset and the trust structure. Letter of offer within 24 hours of enquiry. Settlement on the required date. Loan: $2.4 million, 12-month bridge. The trust refinanced to a non-bank commercial lender during the term.
A Pty Ltd company was simultaneously selling its existing commercial premises and purchasing a larger replacement. The replacement purchase settled first. We bridged the gap between the two settlements with a short-term loan secured by the replacement property. The sale of the existing premises discharged the bridge within 6 weeks. Loan: $3.1 million.
Speed and Process Advantage
Commercial bridging is where our speed is most directly valuable. We hold direct credit authority with no external committee. In-house valuers assess the security concurrently with underwriting. Indicative position the same day. Letter of offer within 24 hours. Settlement from 24 to 72 hours for clean deals. For borrowers in time-critical purchase situations, this timeline is the difference between completing the transaction and losing it.
"Commercial bridging finance works because it separates the question of timing from the question of long-term finance. When the right property is available and the settlement deadline is real, having a lender who can move in 24 to 48 hours is the difference between owning the asset and watching someone else buy it. The exit back to a long-term lender is almost always straightforward once settlement pressure is removed."
Gino Tabila
Associate Director
Benefits of Using a Private Mortgage Lender for Commercial Bridging
A private mortgage lender is built for exactly the situation commercial bridging addresses — a deal that needs to move faster than a bank can process it. The speed, credit authority, and asset-first assessment of a private mortgage lender makes it the natural solution for time-critical commercial property settlements.
- •Settlement within 24 to 72 hours — compatible with auction and vendor-driven deadlines
- •No requirement for the long-term finance to be approved before the bridge is provided
- •First mortgage security — direct, registered position over the commercial property
- •Assessed on asset value and exit strategy, not on full commercial serviceability
- •Holds the asset while bank or non-bank permanent finance is arranged at its own pace
Our Loan Solutions
| Loan Type | Best used for |
|---|---|
| First Mortgage | Clean purchase or refinance over the commercial property — highest loan amounts, lowest rates. |
| Second Mortgage | Access equity behind an existing mortgage without refinancing the first. |
| Caveat Loan | Fastest equity access — registered as a caveat, not a mortgage. Settled in hours. |
| Debt Consolidation | Combine multiple business debts into one secured facility. |
| Bridging Finance | Complete settlement now while permanent finance is arranged. |
| Emergency Finance | Urgent capital for ATO debt, winding-up applications, or time-critical situations. |
| Refinance | Replace an existing loan that is maturing, under pressure, or no longer working. |
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
