---
title: $346k Bridging Loan Supporting Studio Expansion
description: $346k bridging loan secured by a second mortgage at 69% LVR, helping a health and wellness business fund studio expansion ahead of a planned property sale.
image: https://fifocapital.com.au/hubfs/Social%20Image%20-%20Business%20Expansion.png
---

# $346k Bridging Loan Supporting Studio Expansion

![Studio Expansion](https://fifocapital.com.au/hs-fs/hubfs/Studio%20Expansion.png?width=1800&height=1260&name=Studio%20Expansion.png)

Industry

Health and Fitness

Challenge

The client required funding to expand its Pilates studio but needed a short-term solution that could be repaid once an investment property was sold.

Results

Fifo Capital approved a $346,000 bridging loan, providing immediate access to growth capital while allowing the client time to execute a planned property sale.

Key Product

Business Loan

6

Months Capitalised Interest

$346k

Funding secured

69%

LVR, 2nd mortgage

## “Fifo Capital provided a practical solution that gave us the confidence to move ahead with our expansion plans while we progressed our longer-term exit strategy.”

Sade

Director and Owner

## The Challenge

The client had a clear growth opportunity to expand its Pilates studio but required additional capital before longer-term funds became available.

While the intended exit was straightforward through the sale of an investment property, there was a timing gap between the need for funding and the expected property sale proceeds.

The client required:

- Fast access to capital to support studio expansion.
- A short-term facility aligned to a defined exit strategy.
- A lender willing to assess the strength of the available property security and overall asset position.

## The Solution

Fifo Capital structured a $346,000 bridging loan with a six-month term, providing the client with immediate funding while preserving flexibility around the planned exit.

The facility was supported by:

- A second-ranking mortgage over a residential investment property.
- A first-ranking AllPAAP over the borrowing entity.
- A personal guarantee from the director.

For brokers, the strength of the transaction was the security position. The property was independently valued at approximately $1.08 million and, even after the Fifo facility, total exposure remained at approximately 69% LVR. This provided substantial equity cover and a clear refinance pathway if required.

The structure also included prepaid interest, providing additional certainty throughout the initial loan period.

## The Results

With funding in place, the client was able to proceed with expansion plans while maintaining flexibility around timing of the property sale.

The facility delivered:

- Fast access to growth capital.
- A short-term solution matched to a clear exit strategy.
- Strong equity protection through a low‑to‑moderate LVR position.
- Multiple exit pathways, including refinance, property sale, and broader personal asset support.

This transaction demonstrates how Fifo Capital can support brokers with lower-value bridging opportunities where speed, property security, and a clearly defined exit are the key drivers of the credit decision.

Ready to fund your next business expansion? Apply for a business loan online today.

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