Bridge the gap with fast, flexible finance.
Bridging finance is a specialized short-term loan designed to 'bridge the gap' when you need funds immediately but are waiting for an expected future payment. This is most common in the property market, where a homeowner might need to settle on a new house before their current one has sold. However, bridging finance is also a powerful tool for businesses, providing capital for urgent acquisitions or expenses while waiting for a refinance or a major contract settlement. At Envision Finance, we compare bridging options for both consumer and commercial purposes. These loans are typically secured by real estate and are priced higher than standard long-term mortgages due to their short-term nature and the speed of settlement. We help you understand the risks, particularly the importance of a clear 'exit strategy'—the way the loan will be repaid. We are not a lender; we act as your advisor to find the most suitable facility from a panel of banks and specialist providers, ensuring you can act quickly when opportunities arise.
When it makes sense
- Buying a new home before your current one has settled
- Securing a property at auction while waiting for a bank refinance
- Funding a business acquisition ahead of a planned capital raise
- Covering urgent commercial tax obligations or settlement costs
- Releasing equity from an existing asset to renovate a new purchase
- Managing a property chain where one sale has been delayed
- Short-term working capital for a business with a confirmed exit
Indicative terms
| Amount | 50,000 – $20,000,000+ (indicative) |
| Security | 1st or 2nd mortgage over property (indicative) |
| LVR | Up to 75% of market value (indicative) |
| Term | 1 – 12 months (indicative) |
| Interest | Often capitalised or prepaid (indicative) |
| Rate | Higher than standard home loans (indicative) |
| Exit Strategy | Sale, refinance, or capital event (indicative) |
| Timeline | Settlement in days, not weeks (indicative) |
How it works
- Define Your Exit — The most important part of a bridging loan is how it ends. We start by discussing your exit strategy—whether it's a property sale, a bank refinance, or a business milestone—to ensure the loan is appropriate for your needs.
- Compare Lenders — We look across our panel of lenders, from major banks to specialist short-term financiers, to find the best match for your security and timeframe. We'll present the indicative rates and fees clearly so you can see the total cost of the bridge.
- Rapid Assessment — Speed is often critical with bridging finance. We work with lenders who can provide fast indicative terms, often within 24 hours. We help you gather the necessary property and financial information to keep the process moving.
- Valuation & Approval — The lender will typically require a valuation of the security property and a review of your exit plan. We manage the communication with all parties to ensure the lender's credit requirements are met as efficiently as possible.
- Timely Settlement — Once approved and documented, the funds are settled to meet your deadline. This allows you to complete your purchase or business transaction without waiting for your larger capital event to conclude.