Bridging Finance for Developers and Investors

Key terms

Facility size	$5M–$100M
Term	Short term, matched to a defined exit
Security	First registered mortgage, with additional security where needed
Exit	Identified on day one: refinance, construction facility or sale
Borrower	Established company borrowing for business or investment purposes

Common uses

• Site settlement: settling a purchase before construction finance is in place
• Lender exit: replacing a lender that is pulling back or has stopped funding
• Refinance transitions: covering the gap until a longer-term facility settles
• Off-market and auction purchases: where the vendor's timeline is shorter than a bank's

The exit comes first

Bridging finance is only as good as its exit. Before we issue terms we want to understand how the loan will be repaid, how long that realistically takes in the current market, and what happens if it takes longer. That discipline protects you as much as us.

What to send for indicative terms

• Property address and a short project or asset description
• Total development cost or purchase price, and current valuation if held
• Loan amount requested and the position in the capital stack
• Planning status (for example DA approved) and builder, if construction
• The exit: sales, refinance or settlement, with supporting evidence
• Borrower entity and a short summary of the sponsor's track record

Frequently asked questions