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Short-Term Bridging Loans
When traditional finance can’t move fast enough
Our Bridging Finance Solutions
With over $2 billion funded, using a short-term bridging loan can help your business make rapid progress with new investment opportunities.
Our short-term bridging finance solutions can be applied to a number of different scenarios, including:
Our short-term bridging finance solutions can be applied to a number of different scenarios, including:
Who We Help
Regardless of your client’s industry, we collaborate with businesses across all sectors – examples include:
- Mining
- Manufacturing
- Retail
- Construction
- Professional Services
- Hospitality
- Real Estate Services
Our Four-Step Process
We keep it simple, focusing on addressing immediate funding requirements.
Client Successes
Our capabilities are best shown through results.
See how we’ve helped clients succeed.
- Property Acquisition
- Receivership & Wind-Up Notices
- Tax Debt
- Notice to Complete
- Cash Flow Challenges
- Distressed Construction
- Rescission Notice
| Loan: | $21,000,000 |
| LVR: | Multiple against different assets |
| Security: | Cross-collateralise – business value, mine, property, equipment |
| Term: | 6 months |
| Settlement time: | 5 days |
| Exit Strategy: | Refinance |
Situation
NWC was approached to help secure finance for a mine. The client was required to provide to fund rectification for the site and to show sufficient funds in their trust for the deal to proceed.
Solution
NWC was able to provide them with the funds they needed based on a true valuation of their mine’s worth (versus deflated amounts offered by the banks).
Outcome
NWC’s funding helped them secure the deal plus long-term funding from a Tier 1 lender of $120M USD to operate the mine.
| Loan: | $54,000,000 |
| LVR: | 65% of the amalgamated site value |
| Security: | Property |
| Term: | 3 months |
| Settlement time: | 72 hours per property |
| Exit Strategy: | Sale |
Situation
The client was securing 16 commercial properties over several months to create a large development site and needed a funder who could meet strict option deadlines within 72 hours.
Solution
NWC Finance assessed both individual property values and the future combined site value, funding each settlement on market value, not option price, ensuring timely completions.
Outcome
The client successfully settled all properties, obtained development approval, and sold the amalgamated site for a profit.
| Loan: | $1,200,000 |
| LVR: | 65% |
| Security: | Cross-collateralisation |
| Term: | 6 months |
| Settlement time: | 48 hours |
| Exit Strategy: | Refinance through the incoming primary lender |
Situation
A client operating a highly successful exporting manufacturing business in Queensland approached NWC Finance with an urgent funding request. The client’s incoming mortgagee imposed a last-minute condition requiring the immediate repayment of a $1.2 million tax liability to the Australian Taxation Office (ATO).
Solution
The $1.2 million ATO debt was repaid within 48 hours, allowing the primary loan to proceed. The client avoided disruption, secured funding, and maintained strong standing with both the ATO and their lender.
Outcome
We structured a cross-collaterised solution, securing a second mortgage on the client’s property and placing charges on the company’s concrete trucks. This enabled creditors to be paid, the business to be refinanced, and operations to move forth with improved financial stability.
| Loan: | $6,500,000 |
| LVR: | 65% |
| Security: | 1st mortgages over 3 properties |
| Term: | 1 week |
| Settlement time: | 2 days |
| Exit Strategy: | Refinance |
Situation
The client, under a notice to complete, needed urgent settlement on three optioned properties within three days to protect their deposit, DA approval, and development profit.
Solution
NWC Finance approved the transaction within an hour, conducted due diligence, instructed valuations, and issued legal documentation, securing funds within 48 hours.
Outcome
The client settled on time and refinanced a week later with their intended major bank facility.
| Loan: | $700,000 |
| LVR: | 58% |
| Security: | PPSR over equipment and two caveats |
| Term: | 2 months |
| Settlement time: | 48 hours |
| Exit Strategy: | Refinance |
Situation
A mining company needed immediate funding to purchase a horizontal grinder for a large contract. Traditional leasing companies were too slow to meet the deadline.
Solution
NWC Finance secured funding via a PPSR over the new grinder and caveats over additional assets, releasing funds within 48 hours.
Outcome
The client fulfilled the contract requirements and later refinanced with a traditional leasing facility.
| Loan: | $7,000,000 |
| LVR: | 75% (with 100% debt coverage in presales) |
| Security: | Property |
| Term: | 6 months |
| Settlement time: | 6 days |
| Exit Strategy: | Sale proceeds and refinance |
Situation
A borrower required funding to complete a 20-townhouse development after cashflow issues delayed progress, and traditional lenders couldn’t meet the timeline
Solution
NWC Finance paid out the existing lender and provided progress drawdowns to complete the project within 6 days of application.
Outcome
The project was completed, occupancy certificates were issued, and the borrower repaid the facility through presales and a residual stock facility.
| Loan: | $7,000,000 |
| LVR: | 75% (with 100% debt coverage in presales) |
| Security: | Property |
| Term: | 6 months |
| Settlement time: | 6 days |
| Exit Strategy: | Sale proceeds and refinance |
Situation
A borrower required funding to complete a 20-townhouse development after cashflow issues delayed progress, and traditional lenders couldn’t meet the timeline
Solution
NWC Finance paid out the existing lender and provided progress drawdowns to complete the project within 6 days of application.
Outcome
The project was completed, occupancy certificates were issued, and the borrower repaid the facility through presales and a residual stock facility.
Frequently Asked Questions
What is a short-term bridging loan?
A short-term bridging loan is designed to act as a financial bridge between two transactions. Essentially, it is a short-term financing solution that lets you move forward with a new investment without the immediate need of letting go of current investments.
How quickly can I get approved for a bridging loan?
This varies depending on your loan provider. At NWC Finance, we offer fast assessments and approval processes. While this varies on a client to client basis, in most cases, approvals can be granted within just a few hours or at most a day or two.
Do I need a deposit for a short-term loan?
Not always. At NWC Finance, we offer short-term bridging loans secured against existing equity across a range of assets, not just limited to property. Our team works diligently to structure each application individually, ensuring that you receive the most effective loan structure for your needs.
Can bridging finance be used to resolve ATO debts or Director Penalty Notices?
Yes, short-term bridging loans can be used to resolve ATO debts or Director Penalty Notices (DPNs). They are suitable for clearing GST, PAYG, BAS, income tax, and superannuation obligations. This type of finance is typically used as a short-term solution to address outstanding tax debts to help prevent further penalties or wind-up notices.
What documentation is required for a bridging loan application?
Typical documentation would include proof of identity and income, bank statements, and investment details. However, our team will guide you through any specific requirements based on the nature of your loan.