Bridging Finance
What is a Bridging Loan?
A bridging loan is a specialised, short-term financial tool designed to provide Australian businesses with immediate access to capital – typically for a period of 1 – 12 months. At PBL, we act as the “bridge” between your current financial requirement and your next major milestone, such as securing long-term bank finance, selling a commercial asset, or finalizing a significant business transaction.
Unlike institutional funding, which can be rigid and slow, our bridging finance is built for speed and adaptability. Because we use our own money and an internal property evaluation team, we can often fund these loans within 24 hours, ensuring you never miss a commercial opportunity.
When Can a Bridging Loan Help?
Business owners commonly use bridging loans to:
- Cover payroll during temporary shortfalls
- Settle urgent ATO or tax obligations
- Purchase new equipment, inventory, or vehicles
- Fund renovations, upgrades, or expansions
- Pay overdue supplier or contractor invoices
- Manage unexpected expenses or legal costs
- Consolidate short-term business debts
- Bridge property sale or settlement timing gaps
- Recover from natural disasters or cyber incidents
- Avoid foreclosure or insolvency
- Take advantage of limited-time opportunities
If it’s time-sensitive and critical to your operations or growth, bridging finance can provide the solution.
Why Choose Property Based Lending?
As a direct lender with over 30 years of experience, we specialise in providing first and second mortgage solutions that traditional banks often overlook.
- Fast Funding, Often Within 24 Hours: Our internal property evaluation team streamlines approvals, often providing funding within 24 hours to meet urgent business deadlines.
- Direct Lender Certainty: We use our own capital and do not syndicate deals to outside investors, meaning you deal directly with the decision-makers.
- Flexible Loan Amounts: We provide loans from 150K to 10M, tailored specifically to your company’s repayment capacity and growth goals.
- Specialist Expertise: Benefit from 30 years of private lending experience in the Australian market, with rates starting from 10%.
- Transparent & Upfront: We pride ourselves on clear pricing and terms – no surprises, just straightforward business solutions.
Get the Breathing Room Your Business Needs
If your business is waiting on a settlement, sale, or receivable, bridging finance can provide the capital to keep you moving forward.
Contact Property Based Lending today for a confidential, no-obligation discussion.
We’ll help you assess your options, determine how much you can borrow, and arrange fast funding — often within 24 hours.
First Mortgage Finance
Gain access to capital by using your property’s title as security — a straightforward way to unlock funds at competitive rates.Learn more
Second Mortgage Finance
Tap into your property’s existing equity for additional funding, all without needing to refinance your current loan.Learn more