Bridging Finance for Business
Bridging finance covers the timing gap between two transactions, so you can settle on new business premises before your existing property sells or move on a time-critical opportunity before longer-term funding is in place. Dark Horse Financial arranges bridging loans through a large panel of bank, non-bank and private lenders and matches your deal to the lender whose policy actually suits it.
Quick Enquiry
Get a free, obligation-free assessment. Usually responds within 2 hours.
How It Works
Three steps from the first conversation to settlement, and it's the same process whether your business bridging loan is for a property purchase or an acquisition.
Contact Our Team
Submit a quick enquiry or call us directly and tell us about the two transactions, the dates you're working to and what security you have available.
Contact Us →Submit Your Application
Provide your business details, documents and your exit strategy. We handle the application from start to finish and match it to the lender whose policy fits the deal.
Start Application →Get Funded
Once approved most documentation is signed electronically, so settlement can move as quickly as the lender allows and the funds are there when your deal needs them.
Get Funded →Rated by Our Clients on Google
Bridging Finance for Business
Bridging finance is short-term finance that bridges the gap between two transactions, most commonly buying new business premises or an asset before the sale of an existing property settles. It's typically interest-only and secured against real property or another asset, and unlike a standard term loan it's there to solve a timing problem rather than fund day-to-day operations.
Bridging Finance vs Caveat Loans: Which Do You Need?
The two are related but they're distinct products, and it's worth knowing which one your situation calls for before you apply.
Caveat loans: defined by security
A caveat is lodged over property, usually as a second-ranking interest behind an existing mortgage, and funds are drawn against equity you already hold.
Bridging finance: defined by timing
A business bridging loan covers the gap between two transactions, like settling a purchase before a sale completes, and may or may not use a caveat as part of its security.
If your need sounds closer to the first, Learn about Caveat Loans.
What Can Bridging Finance Be Used For?
Bridging finance is built for specific timing problems and most of the deals we see fall into one of four categories.
Settling on new business premises or a commercial property before your existing property sells, often alongside longer-term commercial property loans
Securing a time-critical opportunity, such as an asset or business acquisition with a tight settlement window
Covering a shortfall while a larger facility like property development finance or construction finance is arranged and drawn down
Funding an unexpected cash need until longer-term finance is in place
Who Is Bridging Finance Suitable For?
Bridging finance tends to suit you if:
- You own a business that's buying new premises and your current property hasn't sold yet
- You're a company director with a business acquisition opportunity and a tight timeline to settle it
- You're a property investor who needs to settle a purchase before an existing asset sale completes
- Your business is covering a short-term shortfall while a larger facility is being finalised
- You need to act on a time-limited opportunity, such as plant, equipment or stock at a favourable price, before longer-term funding is arranged
Am I Eligible?
There isn't one checklist for a business bridging loan, lenders look at the deal as a whole and most of them focus on three things:
- Available security, usually real property or another qualifying asset
- A clear and credible exit strategy, meaning how and when the loan will be repaid
- The value and timing of the underlying transaction
Check Your Eligibility
Get a free, obligation-free assessment of your bridging finance needs before your settlement date gets any closer.
Quick Enquiry →Case Study: $40,000 Asset-Backed Bridging Loan
Not every bridging loan involves property, and this one shows how a business can use assets it isn't currently using to cover a short-term gap until money it's owed comes in.
Challenge: The business needed urgent funding until several hundred thousand dollars it was owed was received, and with cash flow tight it couldn't take on regular interest repayments in the meantime.
Solution: Most private lenders aren't viable for loans under $250,000 once valuations and fees are counted, so Dark Horse arranged a $40,000 bridging loan through a lender that secures funding against assets of value, in this case vehicles the business didn't need on the road during the term.
Outcome: Funded without financials, a bank assessment or property security, with interest capitalised and paid out at the end of the term, so the business kept operating while it waited for its incoming funds.
Why Choose Dark Horse Financial for Bridging Finance?
Licensed and Accountable
Dark Horse Financial is a Credit Representative (No. 465325) of Buyers Choice Licencing Pty Ltd, Australian Credit Licence 509484, part of the Money Quest Group, and a member of the Finance Brokers Association of Australia (FBAA).
A Large Panel of Lenders
We work with banks, non-banks and private financiers, so if one lender's short-term appetite doesn't suit your deal you aren't stuck waiting on it, we match the deal to a lender whose policy does.
A Proven Track Record
More than 10 years trading and over 1,000 businesses funded, so the timing problems behind most bridging deals are familiar ground for our brokers.
Honest About the Cost
Bridging finance generally costs more than mainstream term lending. We'll tell you that upfront and help you weigh it against what a missed settlement or lost opportunity would cost the business.
Frequently Asked Questions
Common questions about bridging finance, answered directly.
* Disclaimer: Loans and the benefits associated with them are only available to those who have been approved. The information provided on this page is general and does not consider your individual circumstances. It is not meant to serve as a substitute for professional advice, and you should not rely on it for any decisions. Always consult with a professional regarding finance, tax, and accounting matters before making any choices or taking action. Dark Horse Financial Pty Ltd is a Credit Representative No. 465 325 of Buyers Choice Licencing Pty Ltd.