Who is eligible for a bridging loan?

Eligibility includes individuals or businesses needing short-term finance for property transactions, urgent capital requirements, or temporary debt restructuring. Assurity Capital assesses loans based on asset value and exit strategy, not full financials.

What are the loan terms and requirements?

Loan terms typically range from 3 to 12 months. Loans are secured by first or second mortgages over property. Interest can be paid monthly or capitalised into the loan. Indicative approval is within 24–48 hours, with settlements often within 5–7 business days.

What are the common uses for bridging finance?

Common uses include buying a commercial or investment property before selling another, funding business operations or resolving short-term cash flow issues, refinancing an expiring facility while awaiting permanent finance, paying urgent tax, ATO, or creditor payments, settling legal obligations, divorce, or deceased estate matters, and unlocking equity in real estate while a sale is pending.

Bridging Loans | Assurity Capital

Bridging Loans

At Assurity Capital, we specialise in fast, flexible bridging loans for business and investment purposes. Whether you're managing a short-term funding gap, waiting on a property sale, or needing urgent capital to secure your next opportunity, our private lending solutions are designed to move quickly—without the red tape.

What is a Bridging Loan?

A bridging loan is a short-term finance solution that helps “bridge the gap” between an immediate funding need and a future event—typically the sale of a property or incoming funds. Bridging finance is commonly used when:

You’re buying a new asset before selling your existing one
You need urgent working capital pending an expected payment
You’re refinancing or restructuring debt temporarily

Unlike banks, private lenders can assess your loan based on the asset value and exit strategy—not full financials or long credit processes.

Key Features of Assurity Capital Bridging Loans

Loan Terms: Typically 3–12 months
Security: First or second mortgage over property
Interest: Paid monthly or capitalised into the loan
Speed: Indicative approval within 24–48 hours
Use: Business and investment purposes only (non-NCCP)

When to Use Bridging Finance

Our bridging loans are perfect for situations like:

Buying a commercial or investment property before selling another
Funding business operations or resolving short-term cash flow issues
Refinancing an expiring facility while awaiting permanent finance
Paying urgent tax, ATO, or creditor payments
Settling legal obligations, divorce, or deceased estate matters
Unlocking equity in real estate while a sale is pending

Why Use a Private Lender?

Assurity Capital works with a network of experienced private lenders who offer fast, asset-based loans without the complexity of bank lending. That means:

No tax returns or financials required
Credit impairments considered
Flexible terms and exit strategies
Solutions tailored to your business or investment goals

Benefits of Assurity Capital Bridging Loans

Fast Settlements: Often within 5–7 business days
Minimal Documentation: Property security and exit plan are the focus
Higher LVRs Available: Up to 75% depending on security
Customised Structures: Interest-only, prepaid, or capitalised options
Dedicated Lending Team: Experts who understand urgency and complexity

Real-World Example

A property investor needed $1.2 million to settle on a new purchase while awaiting the sale of another commercial asset. Traditional lenders couldn’t move fast enough. Assurity Capital arranged a first mortgage bridging loan within 6 business days, giving the investor the confidence to proceed and avoid losing the deal.

Get Started with Assurity Capital

If you need bridging finance for a business or investment transaction, don’t let bank delays cost you time or opportunity. At Assurity Capital, we offer direct access to private lending solutions that work when speed matters most.