Business Bridging Loans

Access up to $2M in 24 hours with minimal paperwork. Bad credit accepted.

$2M

MAX LOAN AMOUNT

24H

TO FUNDING APPROVAL

1-12M

FLEXIBLE TERMS

Business Bridging Loans - Service Overview

HomeSec provides fast, flexible bridging finance to help businesses access capital when timing is critical. Our streamlined process ensures you never miss out on property deals, refinancing opportunities, or urgent expenses.

Bridging the Gap Between Opportunity & Ownership

Whether you’re acquiring property, expanding operations, or covering short-term cash flow, our bridging loans give you the breathing space to move forward with confidence.

Perfect For
  • Property acquisitions and settlements

  • Equipment and machinery purchases

  • Business expansion opportunities

  • Working capital during transitions

  • Renovation and fit-out projects

Speed When It Matters

Approvals in hours, funding within 24 hours.

Competitive Rates

No hidden fees, no surprise charges.

Secure & Regulated

Licensed, insured, and trusted nationwide.

Expert Support

A dedicated team guides you through every step.

Proven Track Record of Success

Bridging Loans Funded
$0B+
Successful Settlements
$0+
Average Settlement
0 Days
On Time Completion
0%

What Are Business Bridging Loans?

A business bridging loan is a short-term funding solution that provides fast access to cash while you wait for settlement, refinance, or another financial event. Unlike traditional bank loans, bridging finance is quick, flexible, and requires minimal documentation—making it ideal for time-critical opportunities.

Time-Critical Advantage: When a business opportunity has a deadline, bridging loans ensure you never miss out due to financing delays.

1-12 Months+

Typical terms

$20K-$2M

Loan range

24H

Funding Available

Types of Business Bridging Loans

HomeSec offers two repayment options, giving you the flexibility to either preserve cash flow or spread out interest costs during the loan term.

 

Capitalised Bridging Finance

No repayments during the loan term. All interest and costs are paid in one lump sum at settlement or refinance—perfect for businesses that want to keep cash flow free until the end.

Interest-Only Bridging Finance

Make smaller monthly interest payments during the loan term, with the principal due at settlement or refinance. A smart option for businesses with steady cash flow that prefer gradual repayments.

Bridging Loan Qualification Requirements

Bridging loans are asset-based lending focused on security and exit strategy. Our streamlined approach gets you approved faster than traditional business loans.

What You Need:

What's NOT Required:

Why Choose HomeSec for Your Bridging Loan?

Since 2004, HomeSec has been Australia’s trusted name in short-term business lending. Thousands of businesses choose us because we deliver fast, reliable funding when it matters most.

 
Confident business owner smiling after receiving fast bridging loan funding

HomeSec Advantage

Founded in 2004, HomeSec has helped thousands of Australian businesses secure fast short-term funding when it mattered most. Our reputation is built on speed, trust, and delivering on our promises—so when we say you’ll be funded, you will be.

Trusted Expertise

Over 20 years of experience in business lending, with thousands of clients funded nationwide.

Trusted by 5,000+ businesses

Lightning-Fast Approvals

Loan applications approved in hours, with funding available in just 24 hours.
24-hour approval guarantee

Flexible Loan Structures

Choose between capitalised or interest-only bridging finance—tailored to suit your cash flow.
100% secure & compliant

Nationwide Service

Available across all states and territories, backed by a licensed and compliant lender.
Australia-wide coverage

How do Business Bridging Loans work?

Our bridging loans are structured to make settlements fast and stress-free. Here’s how it works:
STEP 01

Combine Debts

Your bridging loan covers both the new property purchase and your existing mortgage.

STEP 02

Short-Term Structure

The loan is interest-only and designed as a temporary solution until your property transaction is complete.

STEP 03

Quick Access to Funds

You receive the funds upfront, usually within 24 hours, so you can settle on time.

 
STEP 04

Repayment at Exit

The loan is repaid in full when you sell your property or complete a refinance.

 

$2.1 Billion in Success Stories

These aren’t fake reviews. These are real entrepreneurs who stopped making excuses and started making money. Your story could be next.

VERIFIED

"I applied Monday morning, got approved Tuesday afternoon, and had $1.2M in my account Wednesday. HomeSec doesn't just talk fast - they ARE fast. This funding let us scale from 8 to 25 employees in 6 months."
Sarah Mitchell
Mitchell's Marketing Agency

VERIFIED

"Every other lender wanted collateral, co-signers, and my firstborn child. HomeSec approved $850K based on our cash flow alone. No BS, no games - just capital when we needed it most."
Marcus Johnson
Johnson Construction LLC

VERIFIED

"Banks laughed at us during COVID. HomeSec saw our potential and funded our expansion when everyone else ran scared. We're now the fastest-growing restaurant group in our city."
Lisa Chen
Chen's Restaurant Group

Don't Miss Out.

Bridge the Gap.

Time-sensitive opportunities don’t wait for traditional financing. Join 5,000+ businesses  who secured their deals with HomeSec bridging loans.
MAXIMUM LOAN
$0M
EXTENDABLE TERMS
0MONTHS+
MONTHLY RATE
0%

Frequently Asked Questions

How long does bridging loan approval take?
Bridging loan approval is typically within 24-48 hours. Our streamlined process focuses on property security and exit strategy rather than lengthy financial assessments, allowing for much faster decisions than traditional business loans.

 

Bridging loan rates start from 0.95% per month (approximately 11.4% per annum), depending on the loan amount, security property, and loan term. Rates are competitive and transparent with no hidden fees or surprise charges.
Bridging loans are typically for 1-24 months. Most clients use them for 3-12 months while arranging permanent financing, completing property settlements, or executing their exit strategy such as property sale or refinancing.
Bridging loans can fund property purchases, business premises acquisition, equipment purchases, renovation projects, working capital needs, inventory purchases, or any time-sensitive business opportunity requiring immediate funding.
Bridging loans are secured against property or business assets. We typically lend up to 80% of the property value (LVR). The security can be the property being purchased, existing real estate, or other substantial business assets.
No exit fees or early repayment penalties apply. You can repay your bridging loan at any time without additional charges, making it cost-effective when your permanent financing comes through early or your property sale completes.
Bridging loan amounts range from $100,000 to $10 million, depending on the security property value and your exit strategy. We can typically provide up to 80% of the property value as loan amount.
You’ll need property details or contract of sale, business bank statements (3 months), business registration, identification, and details of your exit strategy. Property valuation will be arranged by us once application is submitted.