Bridging finance is short-term capital that closes a timing gap. Whether you are settling a site before a sale completes, releasing cash for the next deal or bridging to a refinance, we arrange commercial bridging through private lenders who can settle quickly. It is business-purpose finance secured against property.
A bridging loan is a short-term facility, usually secured by a first or second mortgage over property, that funds a gap between two events: a purchase and a sale, a completion and a refinance, or a settlement and an incoming capital injection. The defining feature is the exit. A bridge is repaid from a specific, time-bound event, not from ongoing cash flow, so the strength of that exit is what makes it work.
Bridging is short-term capital, so pricing reflects speed, the LVR against the security, the term and the certainty of the exit. A low-geared bridge with a contracted sale as the exit prices very differently to a higher-geared bridge relying on a future refinance. We do not advertise a rate because it tracks those drivers; expect bridging to cost more than term debt, with the term kept as short as the exit allows.
Bridging covers a short timing gap and is repaid from a sale or refinance. A construction loan funds an actual build in progress draws and is repaid from sales or a takeout at completion. They often work together: a bridge can secure a site or settle stock while construction funding is arranged.
Bridging is a tool, not a destination. We structure short-term facilities with a clear and credible exit, so the bridge solves the problem rather than creating the next one, and we take it to private lenders who can move on a realistic timeline.
It is short-term by design, typically months rather than years, sized to the exit event. The term is kept as tight as the sale or refinance timeline reasonably allows.
A specific, time-bound event such as a property sale, a takeout refinance or an incoming capital injection. A credible exit is the most important part of any bridge.
Often quickly, because private lenders assess the deal directly. Real timing depends on valuation, legals and the security position, so it is best scoped against your deadline.
Yes, usually by a registered first or second mortgage over property, and in some cases a caveat for very short-term needs.
Tell us about the project, the numbers, and the timeline. We will give you an honest read on whether we can fund it and what a suitable structure could look like. Email loans@bottomlinefinance.com.au or send the form.
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