Development Bridging Finance
Access to a nationwide network of 200+ private lenders and specialist funding partners.
Helping developers connect with suitable private lenders for development bridging finance, bridging loans for developers and short-term funding gaps across Australia.
Is this your situation?
Development bridging finance is often needed when a developer has a timing gap between site purchase, refinance, construction, settlement, sale or loan exit.
You need to bridge a timing gap
Funding may be required between purchase, sale, refinance or construction funding.
You are settling a site purchase
Bridging finance may assist when a development site settlement comes before the final exit.
You are waiting on refinance
A bridge may create time while bank or private refinance is completed.
Construction funding is not ready yet
Bridging can help where construction finance is coming but not yet settled.
Sales are delayed
A bridge may help where completed stock sales or settlements are still pending.
You have a clear exit event
Private lenders need a realistic repayment pathway from sale, refinance or settlement.
What is development bridging finance?
Development bridging finance is short-term private funding used to bridge a timing gap in a development, construction, site purchase, refinance or project exit scenario.
Why developers use bridging finance
Developers may need bridging finance when the timing of a purchase, sale, refinance, construction facility or settlement does not line up cleanly.
Where private lenders can help
Some private lenders can assess bridging scenarios by focusing on the security, bridge period, LVR, exit event and repayment pathway.
Why banks often decline development bridging finance.
Banks can be slow or restrictive where a bridging need is short-term, urgent, unusual or tied to a development project.
Banks commonly decline because of:
- Short-term timing gap
- Settlement is too urgent
- Exit event is not ready yet
- Project is development-related
- Servicing does not fit policy
- Security is specialised or incomplete
- The scenario does not fit standard bank bridging rules
Private lenders approve based on:
- Security value and LVR
- Bridge term required
- Confirmed or likely exit event
- Existing debt and payout amount
- Project stage and risk position
- Borrower equity position
- Clear sale, refinance or settlement exit
Common development bridging finance scenarios.
These scenarios often require fast private lender assessment rather than a full bank-style application process.
Site Purchase Bridge
Bridging finance to settle a development site purchase.
Refinance Bridge
Funding while a refinance or longer-term facility is arranged.
Construction Finance Bridge
Funding before construction finance is ready to settle.
Residual Stock Bridge
Funding while completed stock sales or settlements occur.
Exit Bridge
Short-term funding to bridge to sale or refinance exit.
DA or Planning Bridge
Funding while approval, permits or planning milestones are finalised.
Cost Gap Bridge
Funding to cover a shortfall before the final exit is available.
Urgent Settlement Bridge
Fast funding where a settlement deadline is approaching.
Bank Delay Bridge
Funding where bank approval is delayed but the project cannot wait.
Projects private lenders can consider for bridging finance.
Every lender has different appetite. The goal is to match the bridging scenario with lenders that understand the timing gap and exit strategy.
Development Sites
Bridging finance for development site settlement or refinance.
Townhouse Projects
Bridging scenarios for townhouse developments.
Duplex Projects
Bridge funding for duplex and dual occupancy projects.
Unit Developments
Bridging finance for multi-dwelling projects.
Subdivision Projects
Bridge funding for titles, works or lot settlements.
Commercial Projects
Selected commercial bridging scenarios.
Residual Stock
Bridge funding against completed but unsold stock.
Pre-Construction Sites
Bridge funding before construction finance begins.
What information helps private lenders assess the scenario?
You do not need a full bank-style application to make an initial enquiry, but bridging scenarios need enough detail for lenders to understand the timing gap and exit event.
Property Address
The address and property details help lenders assess the security.
Bridge Requirement
What timing gap needs to be bridged and why.
Loan Amount Required
The amount required and what it will be used for.
Bridge Term
How long the bridge is needed and what happens next.
Value and GRV
Current value, completed value, appraisals or valuation evidence.
Exit Strategy
Sale, refinance, settlement, construction finance or another repayment pathway.
Case study: development site purchase bridged before refinance.
A borrower needed to settle a development site before the longer-term refinance facility was ready.
The settlement date arrived before bank approval could be completed.
The scenario was introduced to a private lender that assessed the purchase contract, site value and refinance exit.
The borrower used a short-term bridge to settle the purchase and refinanced later.
Case study: residual stock bridge before settlements.
A developer had completed stock with sales underway, but settlements had not yet occurred.
The existing lender required repayment before all sale proceeds were available.
The scenario was matched with a private lender that assessed the completed stock, sales evidence and settlement timing.
The bridge provided time for settlements to complete and repay the facility.
A simple process designed for fast scenario assessment.
The goal is to get your development bridging finance scenario in front of suitable private lenders quickly and receive indicative funding options within 24 hours.
- Submit your scenario
- We match your deal with suitable private lenders
- A private lender will make contact
- Receive indicative funding options within 24 hours
Frequently asked questions about development bridging finance.
Common questions from developers considering bridging finance for short-term timing gaps.
What is Development bridging finance?
Development bridging finance is private funding used to assist with short-term timing gaps between purchase, sale, refinance, construction funding or project exit.
Can private lenders help with development bridging finance?
Yes. Private lenders can consider development bridging finance where the security value, loan-to-value position, borrower contribution and exit strategy are acceptable.
Why would a bank decline this scenario?
Banks may decline where servicing does not fit policy, presales are unavailable, the project has changed, timing is urgent or the scenario does not fit standard development lending criteria.
Can this funding be arranged quickly?
Indicative responses can be obtained within 24hrs where the borrower provides the address, loan amount, project status, value estimate and exit strategy.
Can this help if my current lender wants repayment?
Yes. Private lenders can consider short-term refinance or bridging options where an existing lender requires repayment and the project needs more time.
Can this be used before construction starts?
Yes. Depending on the scenario, funding may assist before construction starts where the site, planning status and exit strategy support the loan.
Can this be used for a completed project?
Yes. Depending on the scenario, funding may assist with completion, residual stock, sell-down, refinance or loan exit.
Do I need full financials or tax returns?
Not always. Many private lenders focus on the asset, valuation, project stage, LVR and exit strategy rather than requiring a full bank-style application upfront.
What information is needed for an initial assessment?
Useful information includes the property address, current debt, project status, loan amount required, value estimate, GRV and proposed exit strategy.
Can I refinance from one private lender to another?
Yes. Private-to-private refinance may be possible where the current facility needs to be repaid and the new lender is comfortable with the security and exit.
Can this help avoid a forced sale?
Yes. A short-term private facility can create time for sale, refinance, completion or settlement instead of forcing a rushed exit.
Who contacts me after I submit the scenario?
Once the scenario is reviewed and matched with suitable lending partners, a private lender or their representative can contact you directly to confirm requirements, structure and next steps.
Related development finance scenarios.
Every development project is different. Explore other private development finance scenarios that may also match your situation.
Funding Problems
Construction & Development
Land, Planning & Civil Works
Need bridging finance for a development scenario?
Submit the key details of the property, bridge requirement, loan amount, timing gap and exit strategy so the scenario can be matched with suitable private lenders.
Submit your development bridging finance scenario.
Send through the key details of the property, bridge requirement, loan amount, timing gap and exit strategy.