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Efficient Access to Workable Bridge Loan Financing

When new commercial premises have been purchased but the sale of the existing premises are yet to be settled, operators may require interim funding to cover the loan costs on both properties for a period. When this type of interim funding is required, timing may be critical with the need to secure funding promptly and efficiently.

As specialist commercial funding brokers, we assist operators secure interim property funds promptly, efficiently, from the right lenders and at lower interest rates.

Business Finance Efficient Access to Workable Bridge Loan Financing
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Compare Our Bridging Finance Interest Rates

The interest rate on interim bridging funding will depend on numerous aspects of the application and the lender’s criteria. With our extensive lender market coverage, we have proven capabilities to secure lower rates across our commercial funding portfolio. Operators should contact us for a rate quote specific to their individual requirements.

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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

20 February

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 20/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

20 February

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 20/02/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.


Bridge Loans as Effective Solutions for Commercial Operators

We provide a comprehensive and thorough service in securing interim funding solutions. We appreciate that especially in the commercial sector purchasing and moving to new premises is not as straightforward as in the residential sector.

Factories, manufacturing plants, warehouses, engineering workshops, retail stores, medical facilities and many others face complex processes to relocate. The new premises would need to be acquired prior to the existing premises being sold to allow time for the relocation process. A process which may involve the lengthy task of decommissioning and re-installation of plant, machinery and equipment as well as the installation of IT and tech systems. Thus creating the need for two premises to be retained while the process is completed.

Other purposes for interim property funding can be where the buyer of the existing premises requires an extended settlement period and when purchasing new premises at auction, prior to sale of the existing premises. When building new premises, it is also quite common for bridging funds to be required.

Our brokers work with our clients and our lenders to source and structure workable solutions which are specifically targeted to individual circumstances.

  • Interim property funding solutions to allow for relocation of the operation.
  • Bridging loans to cater for delayed settlement on existing premises.
  • Bridge loans when purchasing property at auction.
  • Bridging finance solutions while constructing new commercial premises.


What is Bridge Loan Financing?

As the name indicates, bridging finance is funding product used to cover a gap over a short term until a longer-term option is arranged. This type of funding is primarily used in property acquisitions where a new property is acquired prior to funds from a property being sold being available to cover the new purchase. Interim funding can also be provided to cover the lending costs when building new premises.

Funding is normally provided over a shorter term than other options – up to 12 months for some applicants. Those requiring this type of funding may be covering two property funding commitments at the same time and will need to demonstrate and ability to furnish those commitments. The deposit requirements can vary depending on individual circumstances and equity levels.

  • Interim funding solution.
  • Covers gap with commercial property sales and purchases.
  • Individually sourced bridge loan financing.


Get Expert Services for Bridging Loans

While interim property funding is quite widely utilised, it is more of a specialised area of commercial lending. As long term specialists in the Australian commercial lending market, we have the experience and the expertise to secure workable interim funding solutions for our clients.

Our brokers are highly skilled, with sharp financial acumen to ensure solutions are expertly tailored to suit cash flow. Over our 20+ years in the lending sector we have built-up accreditations and leverage in the market to ensure we can provide access to the right lenders to suit the specific requirements of our clients. No referral is required to engage our services. Clients can simply call us direct from anywhere in Australia.

  • 20+ years of commercial lending experience.
  • Australian owned and based broker company.
  • Specialist commercial property finance brokers.
  • No referral required.
  • Comprehensive, thorough and detailed commercial property finance service.


How to Access Right Bridge Loan Financing Lenders

Key to achieving a workable interim funding solution can be connecting with the right lender. Lenders offering interim property funding can have variations in their approval criteria, rates and other guidelines. We are accredited with more than 80 lenders, including the major banks, to ensure we can provide clients access to the lender that best meets their profile and requirements.

In considering interim funding applications, lenders consider the equity level in the existing property; may consider if there will be an end debt; a confirmed sale of the existing property may be required; a deposit of around 25% may be required but 100% coverage may be achievable through some lenders. This form of funding can be complex, but our clients are assured that our brokers will handle the entire process from the initial enquiry, through sourcing the right lender, negotiating on rates and conditions and finalising settlement.

  • Access to 80+ lenders
  • Specialist bridge loan financing lenders.
  • Individually sourced and negotiated bridging loans.
  • Negotiated deposits, equity levels and lower rates.
Simplified Bridge Loan Financing Solutions

Quick Financing Quotes & Easy Approval
Fast Bridge Loan Financing Quotes & Approval

If requiring interim property funding, contact us for fast quotes and prompt approvals to expedit your property acquisitions.

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FAQs
Bridge Loan Financing

When a property is purchased prior to the funds from the sale of an existing premises being available, interim funding may be required. This type of funding effectively covers the time gap between the proceeds of sale being available for a new purchase.

The interest rate on interim funding is individually assessed and offered. It can vary depending on the lender, the equity levels, deposit, amount requested and the term required.

Interim funding is used for various purposes including:- when a timeframe between the purchase of new premises and sale of existing premises is required to allow for relocation; when building new premises and needing to cover both new and existing loans; and in delayed settlement circumstances.

Interim funding may be approved for new builds and existing properties. They may be commercial units, factories, warehouses, retail spaces and other properties used for business operations.

The approval criteria will vary with lender guidelines. A deposit of minimum around 25% may be requested but 100% loans can be approved. Proven evidence of the sale of a property may be requested. Equity in the existing property is typically required.

Rates on interim funding may be fixed or variable depending on the lender.

Interim property funding is typically a short-term solution. It may be required for 6 months or less or up to 12 months.

Equity in the existing property and proof of the sale of the property is typically required for interim funding. An end debt may be required by lenders.

100% interim funding may be approved by some lenders for some applicants. Typically a 25% deposit would be required.

Yes. When building new premises and furnishing finance commitments on both the new build and existing property, interim funding may be sought to cover the construction commitments.