Bridging Loans

Short-term, property-backed funding up to $5m and 90% LVR – structured around a clear exit, so a sale or refinance has the time it needs to complete.

Up to 90%
Maximum LVR
6–18 mo
Term
Up to $5m
Facility size
Capitalised
Interest to the exit

Short-Term Bridging Finance with a Clearly Defined Exit

A Fifo Capital Bridging Loan is short-term property finance designed to bridge a defined funding gap, where a sale or refinance is coming but the timing does not line up with the need for funds.

We assess the quality of the asset, the LVR position and the credibility of the exit, rather than relying on servicing that may not fully support the transaction. Interest can be capitalised or paid interest only until the exit, so the facility does not draw on cash flow while the exit is executed.

Where the security, the equity and the exit make sense, we work to the deal rather than a template.

We fund deals like yours

Send us the deal. We'll work out the structure.
You’ll need:
  • Active ABN or ACN, operating 12+ months
  • Property security with available equity, first or second mortgage
  • A defined and evidenced exit: a sale or a refinance
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$1.2m Bridging Loan
Time secured to refinance and execute a planned property sale.
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$600k Bridging Loan
ATO debt consolidated, supported by a property-led exit.
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$350k Bridging Loan
Short-term funding to secure a future development site.

Our bridging loan features

Up to $5m
From short-term gap funding through to larger property-secured transactions.
6 to 18 month terms
Matched to when your exit is expected to land, rather than a standard product term.
Up to 90% LVRs
Against metro residential security on a first mortgage. Lower ratios apply by property type and region.
Interest capitalised
Capitalised or interest only until the exit, so the facility does not draw on cash flow during the term.
First or second mortgage
We will sit behind an incumbent first mortgagee, subject to the combined LVR and a Deed of Priority.
Assessed on the exit
Asset quality, equity and a credible exit carry the assessment where servicing does not.

How our Bridging Loan works

We structure the facility around your exit, not a standard product term
Step 1.

We review the security property, the size of the funding gap and the exit - a contract of sale, an active sale campaign, or a refinance in progress.

Step 2.

We confirm the LVR position across all secured debt, then structure the term and interest treatment around the expected exit date and issue an offer.

Step 3.

Funds are advanced on settlement of the security. Interest is capitalised or paid monthly, and the facility is repaid in full from the sale or refinance.

See how we’ve helped thousands of Australian SME businesses grow

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How a bridging loan can help your business

Short-term funding that protects the value of the asset and gives the exit the time it needs to complete properly.
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A short-term funding gap

Settlement dates, contract timing or a project milestone have opened a gap between money going out and money coming back in. The business is sound - the timing is not.

Key benefits

  • Funds the gap without unwinding a longer-term plan
  • Avoids forcing an asset sale at the wrong moment
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A clear and credible exit

We lend against the exit rather than the profit and loss. A signed contract of sale, an agent appraisal with an active campaign, or a refinance approval in progress all evidence one.

Key benefits

  • Assessed on the strength of the exit, not servicing ratios
  • Term matched to when the exit is expected to complete
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A sale or refinance that needs time

Discounting an asset to meet a deadline usually costs more than the finance does. Bridging buys the weeks needed to run a proper process.

Key benefits

  • Protects the price the asset ultimately realises
  • Removes deadline pressure from the negotiation
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Strong property equity

Where equity is real but cash flow will not support a conventional facility, we look at asset quality, the LVR position and the exit - and we will sit behind an existing first mortgagee.

Key benefits

  • First or second mortgage security considered
  • Interest capitalised, so no repayments during the term

Award-winning business finance

Get the funds you need, when you need.
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Whether you’re a small business, an ASX listed company, or something in between — we can help you maximise the potential of your businesses assets using our innovative, smart and easy to establish finance options.

What type of finance is best for your business?

Different businesses have different needs.

Our team will partner with your business, to help identify the best type of business finance for your needs.

We are committed to providing you with the funding you require promptly and transparently, without any hidden costs or complications.

Drawing upon the best aspects of conventional lending, we have enhanced our services to offer faster processing times, flexible terms, and favourable facilities for businesses with healthy financials.

Our solutions cater to businesses with various financial requirements, whether you need immediate cash flow assistance or professional guidance to advance your business finances.

We'll work with you to provide the funding you need, when you need it.

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Finance that's built for your business

A specialist lender, not an off-the-shelf product. If the deal doesn't fit a traditional box but the business, security and exit make sense, we listen to the client's story and structure the right funding around the deal.

Where Fifo fits best

  • ✓Second mortgages
  • ✓An ATO liability to manage
  • ✓Working capital gaps
  • ✓Equity release from property
  • ✓Bridging transactions with a clear exit
  • ✓An acquisition to fund
Product detail

The parameters, in full

Loan amountUp to $5m
Term6 to 18 months
SecurityDirector guarantees and a GSA, with a first or second mortgage
Basis of assessmentAsset quality, the LVR position and the exit
InterestCapitalised, or interest only until the exit
ExitRequired, defined and evidenced by a sale or refinance

Maximum LVR by property type

Calculated on total secured debt, including any prior-ranking encumbrances.

Property typeRegion1st mortgage2nd mortgage
ResidentialMetro90%85%
ResidentialRegional85%75%
CommercialMetro75%65%
CommercialRegional65%50%

Maximum LVRs are indicative. Second mortgage security is subject to the combined LVR and first-mortgagee enforcement buffers, and will require a Deed of Priority or confirmation of priority from the first mortgagee. Contact us for agricultural and vacant land positions. All facilities require an assets and liabilities statement and Director ID and KYC verification. Indicative parameters only; all facilities are subject to individual credit assessment and approval. Establishment, mandate and applicable third-party fees apply and are disclosed on offer.

Everything above, in a one-page summary you can send on or take into a client meeting.

Download the Bridging Loan guide

Frequently asked questions

What is a bridging loan?

Short-term, property-backed finance that covers a defined funding gap until a sale or refinance completes. Terms run from 6 to 18 months and the facility is repaid in full at the exit.

Do I need a defined exit?

Yes. A bridging facility is assessed on the exit, so we need it defined and evidenced - a signed contract of sale, an agent appraisal with an active sale campaign, or a refinance approval in progress.

Do I have to make repayments during the term?

Interest can be capitalised into the facility, or paid monthly on an interest-only basis until the exit. Principal is repaid in full when the sale or refinance settles.

Can you take a second mortgage behind my existing lender?

Yes. Second mortgage security is subject to the combined LVR across all secured debt, first-mortgagee enforcement buffers, and a Deed of Priority or confirmation of priority from the first mortgagee.

How much can I borrow against my property?

Up to 90% LVR on metro residential security under a first mortgage, reducing by property type and region - see the LVR table above. Maximum LVRs are calculated on total secured debt, including any prior-ranking encumbrances.

How quickly can a bridging loan be funded?

We aim to give an indicative answer within 48 hours of receiving the deal. Settlement timing then depends on the security, the valuation and how quickly documents come together.