Short-Term Bridging Loans

A property developer agreed to purchase a residential property with DA approval for a duplex but missed settlement and had five days left on a Notice To Complete.

NWC Finance provided the client with a $680K first mortgage facility to settle the property purchase within five days, with a loan term of three months.

Settling on time preserved the developer’s $300K deposit and gave him the opportunity to secure construction finance, commence building, and move toward realising development profits.

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 Melbourne-based entrepreneur and property investor, urgently required close to 100% funding to complete a property acquisition after their original lender withdrew at the last minute. With settlement looming and the deal at risk of rescission, NWC Finance stepped in.

NWC Finance provided a first mortgage and settled within 3 days. Due to a higher property valuation, we extended funding to 95% LVR.

With the option nearing expiry, the client faced the risk of losing a lucrative on-sale contract valued at 2.5 times the original purchase price. They required urgent funding at close to 100% of the purchase price to settle and gain time to complete the GAIIC process and finalise the on-sale. The transaction ultimately delivered a profit of approximately $15 million.

The client, based in Melbourne and operating in the automotive parts distribution industry, had committed to a property purchase with a 20% deposit already paid. The property offered a strong yield, and the client was eager to avoid losing both the deposit and the potential rental income.

NWC Finance provided a first mortgage over the property purchased, and a second mortgage over two other properties in order to maintain our 65% LVR.

The client successfully completed the acquisition on time and refinanced with a major bank within three weeks. Their option was about to expire, but they weren’t in a position to meet the required deadlines through traditional lenders, as their financials had not yet been finalised.

A concrete company owner had fallen behind on creditor payments and was on the verge of facing legal action. With the business in financial distress, traditional lenders were unwilling to provide a solution.

To resolve the matter at hand, the client entered into a Deed of Company Arrangement (DOCA), negotiating reduced payments with creditors. Their accountant structured an agreement using our in-house facility to facilitate the payment plan via cash-out.

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 operation to move forth with improved financial stability.

NWC was engaged to assist in securing financing for a mining project in North Perth. The client needed to fund site rectification works and demonstrate sufficient trust funds to move the deal forward. The mine’s operations included yellow goods equipment onsite.

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).

NWC’s funding enabled the client to secure the deal and obtain $120M USD in long-term financing from a Tier 1 lender to operate the mine. To meet the Tier 1 lender’s requirements, the client needed immediate cash flow to sustain mining operations and boost productivity.

A construction industry client urgently needed funding to complete the acquisition of a new business. With only five days remaining to settle, they faced the risk of losing their deposit and future income from the purchase.

NWC was able to provide the client 100% of the business purchase price via a cross-collateralised facility of 1st and 2nd mortgages against the clients properties.

NWC enabled the client to acquire the business while saving $300K in down payments, allowing them to begin generating profits within months. This financial support was instrumental in driving the business’s expansion according to their growth plan.

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 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.

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 hospitality business was struggling with rising costs, declining sales, and mounting debt owed to their existing lender and suppliers. With guidance from their accountant- a trusted advisor for 10+ years, they leveraged a Small Business Restructuring (SBR) approach to avoid external administration.

A restructuring partner was appointed to develop a plan for creditors, incorporating two key aspects: financial restructuring and growth strategies. Our team served as the initial bridging finance partner to address the business’s immediate cash flow needs.

Within six months, the restructuring plan successfully stabilised the business’s finances, improved profitability, and attracted new customers- setting the foundation for long-term success.

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.

The director of a transport and logistics company received a Director of Penalty Notice (DPN) requiring payment within 14 days. Due to legislative changes, they could no longer place the debt on a payment plan. Hence, their accountant referred them to us- NWC Finance.

We acted swiftly, utilising a second mortgage against the director’s two commercial properties to raise the required $420,000.

The result? The client successfully paid the notice and cleared their ATO portals. This allowed them to now seek financing from 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.