Bridging finance for short-term cash flow gaps

A bridging loan provides short-term funding while waiting on a property settlement or incoming cash
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Loans of $150k to $7.5m
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Funds in as little as 24 hours
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Cash flow-friendly repayments
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No upfront credit checks
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Where small business grows big

$5000M+
funded globally
4.8/5
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rating
100K+
small business loans

Bridging loans
made simple

We’re committed to saying “yes” more often. To qualify for a Bizcap bridging finance loan, you’ll need:
An active ABN/ACN
To own property
A clear exit strategy
1.

Application

Applying online takes less than 5 minutes and gives us everything we need to make an initial assessment.
2.

Assessment

Our team of loan specialists will assess your application quickly, without running a credit check.
3.

Funding

If approved, you can have the funds in your account in as little as 24 hours.

Australia’s most
open-minded lender

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Get funds and move on

Apply in just 3 minutes for our quick bridging loans, securely link your bank statements, and get back to business.
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Fast and friendly

Get funds approved in as little as 3 hours, plus a dedicated loan specialist who will assist throughout your journey.
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High approval rates

Bad credit or existing loans? No issue. We look at your business as a whole to assess eligibility for business bridging finance.
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Zero credit checks

We can make you a conditional offer without running a credit check. That saves denting your score.
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Flexible repayments

We offer daily and weekly repayment plans to suit your cash flow.
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Early payment discounts

While other lenders penalise you for paying off your loan fast, we incentivise it.
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Our solutions

Helping an island resort business bridge the gap during a complex refinance

When a complex refinance threatened operations, Bizcap delivered a $425,000 bridging facility to help a South Australian tourism business maintain cash flow and growth plans.

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How fast funding helped a Tasmanian beverage business manage cash flow after an unexpected setback

When an unexpected disruption put pressure on cash flow, a beverage business secured a $10,000 Fast Business Loan to stay operational and avoid project delays.

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How a Sydney training academy secured a $30k Bizcap Line of Credit after expanding

After expanding to a larger facility, a training academy secured a $30,000 Bizcap Line of Credit via a broker to purchase uniforms while memberships grew.

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$145k Line of Credit powers property development company

Discover how a property developer in a high-risk industry secured flexible working capital from Bizcap to manage supplier payments and wages without disrupting projects.

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Victorian transport company boosts growth with a $35k Fast Business Loan

Learn how a Victorian transport business used a $35,000 Fast Business Loan to hire staff, keep up with demand, and grow with confidence thanks to strong customer support.

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Car wash secures $132k business loan to support stock and cash flow

Explore how a car wash secured $132,000 in Bizcap funding to manage stock, strengthen cash flow and continue serving customers without interruption.

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How a beverage store kept shelves stocked with a $70k Bizcap Line of Credit

Discover how a beverage store used a $70,000 Bizcap Line of Credit to access fast, flexible funding for stock and keep shelves full when demand increased.

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Retail clothing brand finds cash flow relief with $210k Line of Credit

Explore how a $210,000 Line of Credit helped a retail clothing brand manage cash flow and prepare for a busy trading period when timing mattered most.

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$500k fast: How a commercial property services provider secured working capital quickly

Discover how Bizcap helped a commercial property services provider access $500,000 in fast-working capital funding through a simple, efficient process.

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Approval to funding in 45 minutes: Fast funding for a personalised gifts business

Here’s how a South Australian personalised gifts business secured $7,000 in funding in just 45 minutes with a Bizcap Fast Business Loan.

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Keeping cash flow moving with a $45k loan for a Sydney technology wholesaler

“Bizcap made it possible for us to access funds over a short period of time to get equipment and tools, and boost our cash flow.”

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Get funded today

We've approved 100,000+ loans for businesses. Ready to join them?
Award-winning loans for small to medium businesses.

Get in Touch

Monday to Friday: 8:30am to 5.30pm AEST
PO Box 195, Balaclava VIC 3183
Support

What is bridging finance and how does it work?

Bridging finance is a short-term funding solution that helps businesses access funds while waiting for an expected payment, property settlement, asset sale or other incoming funds.

The funding acts as a bridge between a current cash need and a future source of repayment. Once the expected funds are received, the bridging finance is repaid.

Bizcap offers bridging finance from $150,000 to $7.5 million, with funding available in as little as 24 hours for eligible businesses. Depending on the circumstances, rates may be up to 65% lower than Bizcap's standard loan products.

What is a bridging loan used for in business?

A bridging loan is used to cover short-term funding gaps while a business waits for incoming funds.

Businesses commonly use bridging loans to manage cash flow, fund projects, purchase inventory, cover unexpected expenses or act on business opportunities before expected funds are received.

How is a bridging loan different from a standard business loan?

Business bridging finance is designed for short-term funding needs and is typically repaid when a specific payment, settlement or asset sale is completed.

A standard business loan is generally used for longer-term funding requirements and is repaid over an extended period.

How quickly can I get bridging finance approved?

Eligible businesses may receive bridging finance and funding in as little as 24 hours.

Approval time frames depend on the application, supporting information provided and the complexity of the transaction

Can I get a bridging loan with bad credit?

A poor credit history does not automatically rule out a business from being considered for quick bridging loans.

Bizcap does not conduct an upfront credit check to provide an initial loan offer. Additional checks may be required before funding is provided.

What is an exit strategy for a bridging loan?

An exit strategy is the way you plan to repay bridging loan finance.

This is typically an expected source of incoming funds that will be used to repay the loan. A clear exit strategy is generally required when applying for bridging finance.

Are bridging loans expensive compared to other finance options?

The cost of a bridging loan depends on factors such as the loan amount, loan term and overall risk profile.

Depending on the circumstances, Bizcap's bridging finance may be available at rates up to 65% lower than our standard loan products. Businesses should consider the overall cost and suitability of any funding solution before applying.

Is Bizcap a direct bridging loan lender?

Yes. Bizcap is one of Australia's bridging loan direct lenders, providing funding directly to eligible businesses rather than acting as a broker.

What industries use bridging finance the most?

Bridging finance is commonly used by businesses in industries such as construction, property, transport, manufacturing, retail and professional services.

Any business waiting on an expected payment or settlement may benefit from bridging finance, subject to eligibility.

Can I use bridging finance to manage cash flow gaps?

Yes.

Business bridging finance is commonly used to help businesses cover short-term cash flow gaps while waiting for customer payments, settlements or other expected funds.

It can help businesses cover operating expenses and keep projects moving without disrupting day-to-day operations.

What are the risks of bridging loan finance?

The main risk of bridging loan finance is that the expected source of repayment may be delayed or not occur as planned.

Businesses should ensure they have a clear exit strategy and understand the loan terms before proceeding.

How do I choose between bridging loan providers?

When comparing bridging loan providers, consider factors such as funding speed, loan amounts, fees, eligibility requirements and repayment flexibility.

It's important to choose a lender whose product is suitable for your business needs and repayment strategy.

Can small businesses access bridging finance easily?

Many bridging finance companies offer funding solutions for small businesses, subject to eligibility criteria.

To apply for Bizcap's bridging finance, businesses generally need an active ABN or ACN, ownership of property and a clear exit strategy. Additional eligibility requirements may apply depending on the application.