Bridging & Short Term Finance

FAST BRIDGING Finance to $15m, settled within 5 Business days*

We deliver when banks can't

Typical Borrower Scenario: The applicant has successfully secured a promising acquisition with a short settlement period, intending to repay the short-term bridging loan through the sale of another property.
Despite the bank issuing an Indicative Offer, the broker's failure to deliver—possibly due to the bank—leaves you with only days to settle or risk losing your deposit and future development profits. Fortunately, in many cases, the broker turns to us for assistance.

1

We issue Loan Offers backed by our investment/lending partners;

2

Minimum Loan Term is 2 months, all offers allow 12-month term with a minimum 1 months notice to repay;

3

Credit issues accepted (brief explanation required and settled);

4

ACMF is a part of the credit team;

*Please note: Loans are exclusively accessible to companies for business purposes only. Fees, charges, and costs are applicable to all lending. Urgent settlements within a few days usually require pre-existing valuations, sufficient security, and repayment details to meet the requirements of ACMF’s investors and credit team.

Valuations - Urgent Short Term Finance

Often, we rely on previous valuations because of time limitations, enabling settlements within 2 – 5 business days. For this timeframe, the Loan-to-Value Ratio (LVR) must stand at 60% or lower on a standalone basis (with potential adjustments for additional properties and other assessments), coupled with a clear repayment strategy. Otherwise, new valuations become necessary. Valuations pose the primary obstacle to loan progression. It’s advisable to consult local experts and obtain written advice from sales agents to avoid potential delays.

Funding Availability

Property asset lending is determined by asset values, product demand, borrowers’ business profiles, and repayment strategies. Loan Offers come with a specified acceptance deadline. If, for any reason, we cannot proceed, we will promptly notify you, and there will be no additional costs to the applicant.

What is a bridging loan?

A bridging loan or short term finance is a short term loan which ‘bridges” the gap between the money needed now until a event takes place to repay the loan either by settling a property or refinancing a loan. This bridging loan sits over and above the existing loan. Generally the loan period is between 3 to 12 months.

Application Forms

Please see below our construction, refinance & bridging loan application forms to fill out and submit to us.

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