Business Bridging Finance in Australia

Why work with Ezy Pzy Finance?

Not a lender or broker:

We’re an introducer—our job is to connect you with the most suitable bridging finance lender.

Multiple finance options, zero credit score impact.

Many of our lenders can provide indicative finance options upfront, based on a soft check that won’t affect your credit score.

Speed & clarity:

We streamline the submission process and keep communication clear so you know what’s next.

Specialised focus:

We work specifically with fast, low-doc business funding providers for Australian ABN holders.

Hands-on support:

We guide and streamline the process for you, saving you hours of work and saving you money through our extensive expertise and strong lender connections.

Consistency:

A dedicated point of contact ensures your case moves quickly from scenario to funds received in your account.

FAQ's (Business Bridging Finance)

What is business bridging finance?

Bridging finance is a short-term business loan that covers a timing gap: money you need to pay out now against money you know is arriving later. The incoming funds might be a property settlement, the sale of an asset, a large customer invoice, a grant or insurance payout, or a longer-term loan that is approved but not yet funded. The bridging loan is repaid in a lump sum when that expected money lands.

How is bridging finance different from a standard business loan?

A standard business loan is repaid gradually from ongoing cash flow over one to five years. Bridging finance runs for weeks to around twelve months and is repaid from a specific exit event rather than from trading income. Because of that, lenders assess the strength and timing of the exit first, and the structure is often interest-only, with interest either paid monthly or capitalised and settled with the principal at the end.

What are common uses for bridging finance?

Typical situations include buying new premises before the existing property has settled, paying a deposit on a site or vehicle to lock in a deal, purchasing stock or equipment ahead of a confirmed order, keeping a project moving while a milestone payment is processed, covering a tax liability while a refinance completes, or funding a short-term shortfall after an unexpected delay in a major receivable.

How much can I borrow with a bridging loan?

The amount depends on the exit and on whether security is offered. Unsecured bridging, assessed on cash flow and a documented exit, generally covers smaller amounts, from tens of thousands up to a few hundred thousand dollars. Where property or another substantial asset is available as security, lenders work from a loan-to-value ratio and can fund significantly larger amounts, often with lower pricing because their risk is reduced.

What is an exit strategy and why does it matter?

The exit strategy is the specific event that will repay the loan, along with evidence that it is real and dated. Examples include an unconditional contract of sale, a signed customer contract or invoice with agreed payment terms, or a formal approval letter for refinancing. The clearer and more certain the exit, the faster the approval and the better the pricing, because the lender is assessing that event rather than your trading history.

Do I need to offer security?

Not always. Shorter, smaller bridging loans can be unsecured, relying on your cash flow, the exit and a personal guarantee from the directors. Larger amounts or longer terms are usually secured by a caveat or mortgage over commercial or residential property. Secured bridging takes slightly longer to arrange because of valuation and legal steps, but it is generally cheaper and allows a higher borrowing amount.

How quickly can bridging finance be arranged?

Unsecured bridging can be approved within hours of a complete application and funded within one to two business days. Property-secured bridging typically takes a few days to about a week, allowing for a valuation, title searches and loan documentation. If timing is critical, tell us the settlement or payment deadline at the outset so we can match you with a lender whose process fits the window.

What does bridging finance cost?

Bridging is priced for speed and short duration, so the interest rate is higher than long-term finance and is usually quoted as a monthly rate. Expect an establishment fee, and for secured loans, valuation and legal costs. Interest may be paid monthly or capitalised into the loan and paid at exit. Compare offers on the total cost across the period you realistically need, including any extension fees, rather than on the rate alone.

What happens if my exit is delayed?

Delays happen, so raise it with the lender as early as possible. Many will extend the term for a fee, convert the balance to a different facility, or accept a revised exit if it is well documented. Building a buffer into the original term is cheaper than extending under pressure, and overrunning without agreement can trigger higher default interest, so plan the term around the realistic settlement date rather than the best case.

Can I repay a bridging loan early?

Usually, yes. Because repayment is tied to your exit event, lenders expect the loan to be cleared as soon as those funds arrive. Some charge a minimum interest period, for example the first month, or an early exit fee, so check how early repayment is treated in the offer. If your exit could land ahead of schedule, choosing a lender without minimum terms can save a meaningful amount.

Who is eligible for business bridging finance?

Australian businesses with an active ABN and a credible, documented exit are the core requirement. A trading history helps for unsecured bridging, while property-secured bridging relies less on credit score and more on the equity available and the exit. Companies will normally need a personal guarantee from the directors. Businesses with imperfect credit are often still eligible when the security and exit are strong.

What documents will I need?

Identification for the directors or owners, your ABN or ACN details, recent business bank statements, and evidence of the exit such as a contract of sale, signed invoice, grant approval or refinance approval letter. For secured bridging, add the property address, a recent rates notice and any existing mortgage statements. Having these ready at application is the single biggest factor in how quickly the loan settles.

What is the difference between an open and a closed bridging loan?

A closed bridging loan has a fixed repayment date because the exit is already confirmed, such as a signed contract with a settlement date or an approved refinance. An open bridging loan has no fixed end date because the exit is expected but not yet locked in, such as a property that is listed but not yet sold. Lenders usually see open bridging loans as riskier, so they tend to cost more and come with stricter conditions.

Business Bridging Finance in Australia

Loan amounts, terms & repayments

Loan sizes:

Terms:

Repayments:

Security:

How the process works

Scenario discussion:

Documentation:

Assessment:

Approval (~2 hours):

Signing & funding:

Documentation checklist

Unsecured bridging loans up to $250k:

Secured bridging loans (higher amounts):

When bridging finance makes sense

A builder

A retailer

A professional

A company