Short-Term Bridging Loans

A property developer in North-West Victoria faced a critical funding shortfall after their lender abruptly withdrew days before settlement on a UGZ site. The lender’s investors refused to exceed a conservative loan threshold for land, opening the door to a competing (but lower) offer. With limited cash on hand, the client was at serious risk of losing the deal.

NWC provided a short-term, interest-only facility with full due diligence support, settling the deal in just four business days—even across the Easter and ANZAC break.

NWC played a critical role in securing the timely $11M acquisition, safeguarding the deal and removing significant financial pressure for the client. Our support was instrumental in crystallising a substantial gain, ensuring they capitalised on the opportunity rather than losing the property.

A client from a Sydney-based law firm had committed to a $4 million property purchase in the Northern Beaches. While they had equity in a North Shore property, unexpected end-of-financial-year expenses left them short on liquidity. They required $1.4 million in short-term funding to secure the settlement and bridge to a planned refinance.

NWC Finance structured a $1.4 million bridging loan secured against their North Shore property, supported by multiple guarantors. The facility was designed to cover the funding gap for two months until the refinance with a major lender was completed.

Settlement was completed within 5 days, allowing the $4 million acquisition to proceed on time. The client avoided settlement delays, protected their reputation, and successfully transitioned into a long-term funding solution.

A borrower required $8.125 million in funding to complete the acquisition of a strategically located parcel of land within an Urban Growth Zone (UGZ) in eastern Victoria. The site represented a significant development opportunity, but the borrower faced a tight settlement deadline and required fast, flexible capital to secure the asset and move forward with their plans.

NWC Finance paid out the existing lender and provided progress drawdowns to complete the project within 6 days of application.

NWC Finance preserved the client’s deposit and enabled a successful settlement, providing the necessary time to secure a two-year facility through a private funder. This structure allows the client to await rezoning approval before proceeding with their construction plans

The client, an SME property developer, required urgent settlement within three days on three optioned properties in Lane Cove under a Notice to Complete — safeguarding their deposit, DA approval, and development profit.

NWC Finance approved the transaction within an hour, conducted due diligence, instructed valuations, and issued legal documentation, securing funds within 48 hours

The client successfully settled on time and refinanced just one week later with their intended major bank facility. NWC Finance’s timely support ensured they retained both their deposit and the property, securing all three sites that make up their prospective development. Our funding bridged the gap seamlessly to a Tier 1 lender.

The client, a self-employed individual, had committed to purchasing a rural property to operate their business from. However, their lender was unable to meet the settlement deadline, resulting in a rescission notice being issued.

NWC Finance completed valuations on six properties, navigated delays caused by the client’s incomplete doucmentation, and proactively managed vendor expectations to keep the deal on track.

NWC Finance successfully settled the acquisition, providing funding that exceeded 100% of the purchase price. This not only secured the client’s rural business premises but also gave them immediate access to capital for setup and operational costs.

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).

NWC Finance promptly assessed and valued the client’s commercial assets, enabling the swift provision of funds through a second mortgage facility. The entire process, from initial enquiry to settlement, was completed within 48 hours.

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.

A property investor with significant assets but limited cash flow was facing a critical five-day deadline to settle GST on a major acquisition. With an existing ATO debt preventing access to additional funding, a swift and strategic solution was essential.

We provided a short-term funding facility to cover the GST liability within the required five-day timeframe. This allowed the client to complete the acquisition without delay, despite the outstanding ATO debt. With the immediate pressure resolved, the client was then able to secure longer term funding and proceed with their investment strategy.

The client, a property-rich investor, experienced a temporary cash flow constraint at a critical time. We stepped in with timely funding, enabling the GST payment to be made on schedule. As a result, the client was able to secure the additional financing they required without delay.

The client was acquiring 16 commercial properties over several months to consolidate a major development site and required a funder capable of meeting strict option deadlines within 72 hours. The site is located in Sydney’s North Shore.

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.

The client successfully settled all properties, obtained development approval, and sold the amalgamated site for a profit.

The client, a successful transport and logistics operator based in South Australia, was unexpectedly served with an ATO wind-up notice for an unpaid tax debt they were unaware of. They urgently required funding within 24 hours to resolve the issue and protect their business.

NWC Finance cross-collateralised the client’s unencumbered trucks, trailers, and business goodwill to secure the loan and release funds quickly.

With NWC Finance’s support, the client paid off the tax debt, avoided liquidation, and continued trading. They later refinanced through a traditional leasing facility. Freed from immediate financial pressure, the directors were able to refocus on operations—leading to significant improvements in cash flow and trading performance, ultimately enabling a successful refinance with a second-tier lender.

A mining company based in North Perth required urgent funding to purchase a horizontal grinder for a major contract. Traditional leasing providers were unable to meet the tight deadline.

NWC Finance secured funding via a PPSR over the new grinder and caveats over additional assets, releasing funds within 48 hours.

Acquiring the horizontal grinder allowed the client to maintain steady progress on the project and meet all contract requirements on time. NWC Finance was instrumental in providing urgent funding when traditional leasing companies couldn’t meet the tight deadline. Their swift support prevented disruptions to the client’s workflow and ensured productivity remained consistent throughout the contract period.

A construction equipment operator based in Western Australia faced the threat of receivership due to delayed debtor payments and overdue repayments to a private lender. The cash flow shortfall placed significant pressure on the business’s operations and financial stability.

NWC Finance secured a consolidated facility over properties, plant, equipment, and vehicles, providing urgent funds to trade out of the situation.

NWC Finance was instrumental in helping the client repay all creditors and consolidate debt into a single, manageable facility. This allowed them to refocus on operations, improve cash flow by selling down assets, and ultimately refinance with a mainstream lender.

A borrower required funding to complete a 20-townhouse development after cashflow issues delayed progress, and traditional lenders couldn’t meet the timeline

NWC Finance paid out the existing lender and provided progress drawdowns to complete the project within 6 days of application.

The project was completed, occupancy certificates were issued, and the borrower repaid the facility through presales and a residual stock facility.