What is Bridging Finance?

Bridging Finance is a type of short-term business loan, usually with a term of up to 12 months.  

It’s most commonly used to:

  • Free up working capital 
  • Maintain cash flow 
  • Prevent repossession of assets
  • Auction purchases
  • Push timebound property purchases to completion

It is best thought of as a temporary loan which gets you from and to a brief defined point in time, until you can either clear the loan in full or secure a more permanent form of finance. The bridge is normally in place within 7-10 days. 

How it Works:

  • We’ll review your information. 
  • We’ll contact you to learn more about your requirements. 
  • We will search for suitable lenders who can provide you the right product. 
  • The lender will value the asset.
  • Legal's will be issued for signing.
  • The lender will release between 60-70% of the values of the asset.

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Benefits of Bridging Finance:

Swift Turnaround
While it can take some lenders weeks to complete a term loan, a Bridging Finance Loan can take as little as 24-48 hours for the cash to come into your account. So you can afford to move quickly with the necessary opportunities.
‘Bridge The Gap’
When you need to borrow money quickly, for a short amount of time, this type of funding is impactful if you want to keep the wheels turning for your business, until another sale or transaction goes through.
Borrow Larger Sums

As Bridging Finance Loans are secured against a valuable asset, like a property, you are usually able to borrow larger amounts than any other type of loan.

Flexible Borrowing
The range of Bridging Finance Loans is so varied, so you have much more choice and flexibility when choosing. Fixed or variable, open-ended or closed term loan.
Cash Injection For Your Business
Things don’t always line up as you plan for them to. So, when there’s a delay on a sale or transaction going through and a payment that needs to be made now (e.g., buying a property at auction), you need to have immediate access to cash that can cover the costs until your expected cash injection arrives. 
Fluctuating Costs
Your cash flow might be pinched temporarily, and you need to pay your staff before you can expect income from your clients. For an infrequent circumstance, you’ll need a short-term loan to get you by until you recoup the costs from late or delayed payments. A bridging loan could be paid out in a matter of days.

Get In Touch

Make a finance enquiry about Bridging Finance today. Complete the contact form below and we’ll be in touch!