Bridging Finance

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. 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's 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.