Capital Bridging Finance: $50k to $5m short-term loans over property

Bridging finance has one defining feature: it is meant to be short. Capital Bridging Finance leans into that. Where many lenders quote terms in years, its enquiry form starts at one month and tops out at six, which tells you straight away who it is built for: owners who can name the day and the source of repayment.

Below is what the lender publishes as at October 2026, how its process works, who benefits, and where else to look. Everything here can change, and each loan is assessed individually, so confirm specifics directly with the lender.

What does Capital Bridging Finance offer?

The lender groups its lending under several headings:

Product area	What it covers
Commercial finance	Short-term funding secured on commercial or industrial property
Residential bridging	Funding to cover the gap between buying and selling
Development finance	Short-term funding for projects, often to complete or hold a site
ATO debt	Clearing a tax debt using property as security
Debt consolidation	Replacing several debts with one short-term facility
Urgent funds and cash flow loans	Quick working capital for business purposes

Amounts advertised run from $50k to $5m. Its offices are in Port Melbourne, Victoria, and Robina on the Gold Coast, but lending is Australia-wide. Our overview of bridging finance explains the structure, and the bridging loan calculator lets you test how holding costs build over a month-by-month term.

What does the process look like?

The lender’s site describes a hands-on, property-focused approval. You provide the property address, its type, your estimate of its value and any existing debt. Then it reviews the application, runs credit checks, arranges an in-house valuation and inspects the property with you. Finally you state how the loan will be repaid, from options including a property sale, a refinance, cash flow or a business sale.

Two things stand out. First, credit checks are part of the process, so this isn’t a no-questions-asked lender, although property value does the heavy lifting. Second, the repayment question is not a formality. With a term that can be as short as a month, a vague exit plan will be the first thing to fall over.

Worried your exit isn’t solid enough yet? Describe it to us and a person can say plainly whether a short-term loan or something longer-dated is the better bet.

Who is it a good fit for?

• Developers and investors needing to hold or finish a site until a sale or a long-term refinance lands. Read our guide to development finance for the longer-term alternatives.
• Business owners with a hard deadline, such as a tax bill, a supplier or a purchase contract, who hold property equity.
• Borrowers with an imminent, documented repayment, such as a contract of sale already signed.

It is a weaker fit if you need a few years to repay, have no property to offer, or are still working out how the loan will end. If a six-month term expires before the sale settles, you may face paid extensions or a rushed refinance. Compare it with a caveat loan in our bridging versus caveat comparison if you are unsure which structure suits.

Questions to ask any short-term lender

1. Total cost in dollars over the exact term, with valuation, legal and establishment charges included.
2. Extension terms. What does month seven cost, and is an extension guaranteed or at the lender’s discretion?
3. Interest handling. Is it paid monthly, capitalised or taken upfront? That changes the cash you actually receive.
4. Security and priority. Where does the lender rank against any existing mortgage?
5. Default and exit costs. What happens if the sale slips?

Our glossary entry on a bridging loan is a useful refresher before you read a term sheet.

What if Capital Bridging Finance declines?

Use the reason as a map:

• Property doesn’t suit. Try a private lender with a different appetite, such as Mango Credit or Aquamore (which works through brokers).
• Tax debt is the driver. See our pages on tax debt loans and ATO debt and business loans; sometimes a payment plan is cheaper.
• Exit plan too tight. A second mortgage or a longer first mortgage buys time at a lower monthly cost.
• Bank first. If you can wait, a bank loan is frequently the lowest-cost route, and worth a proper look before any bridging product.

Make your enquiry count

Short-term funding rewards preparation, and so does our enquiry. It runs to about a minute of typing, leaves your credit file untouched, and stays inside one team rather than being circulated to a stack of lenders. Someone then reads your answers and rings you to go through the property, the deadline and how the loan ends.

Be exact about what is already registered on the title and when repayment is realistic. Those two answers decide which structure comes up first, and getting them right saves a round of back and forth.

Start a short-term funding enquiry →