NWF Capital
Quick interim funding to bridge gaps between property transactions or business needs.
Overview
Bridging finance provides short-term funding to bridge the gap between buying a new property and selling an existing one, or to cover timing mismatches in business transactions. NWF Capital offers fast, flexible bridging solutions designed for business owners and investors.
Whether you're purchasing at auction, settling before your sale completes, or need interim funding while arranging longer-term finance, our bridging loans provide the certainty you need to move quickly and confidently.
With approvals in 24 hours and urgent settlement available, our bridging finance ensures you never miss an opportunity due to timing constraints.
Key Features
Urgent settlement available — built for auction purchases and time-critical transactions.
Exit via sale, refinance, or other means. We work with you to structure the right solution.
Interest can be capitalised for the loan term, meaning no monthly cash outflow required.
Up to 80% LVR considered for strong security positions and clear exit strategies.
Residential, commercial, industrial, and development sites accepted as security.
Unlike banks, we don't require presales or extensive pre-conditions for approval.
Structure
Bridging finance covers the gap between two transactions — most commonly buying a property before the sale of an existing one has settled. The facility is secured by registered mortgage over one or both properties, runs for a defined short term, and is repaid from the sale proceeds or a refinance when it completes.
Interest is typically capitalised for the term, which means no monthly repayments while you are carrying two positions. That matters, because the cash-flow pressure of servicing two facilities simultaneously is precisely what bridging is designed to remove.
Terms usually run from three to twelve months, with extensions considered where a sale takes longer than expected. We would rather structure a realistic term at the outset than write a short facility and renegotiate under pressure.
Assessment
Our credit assessment turns on three things: the security property, the amount you need against it, and how the loan will be repaid. We form a view on the value of the asset, the position we would hold on title, and whether your exit — a sale, a refinance, or a defined cash event — is realistic within the term you are asking for.
What we do not do is run your application through a servicing calculator. Tax returns, BAS statements and credit scores are not the centre of the decision, which is why borrowers who are declined by banks for reasons that have nothing to do with the strength of the deal are often funded here. Impaired credit, outstanding ATO debt, recent business restructures and limited financials are all workable.
Applications are reviewed on the day they arrive by the people who write the loans. You will have a decision within 24 hours, terms disclosed in full before you commit, and one point of contact through to discharge.
Use Cases
You have bought at auction and settlement falls due before your existing property sells. You are purchasing new business premises and the equity for it is tied up in a property currently on the market. Your long-term refinance is approved but will not settle in time for a purchase deadline. A development is complete and you need time to sell down rather than accept a fire-sale price.
The commercial argument for bridging is often stronger than the headline rate suggests. Selling under time pressure typically costs more in discount than a few months of bridging interest, so borrowers who bridge frequently come out ahead of those who rushed the sale.
Getting Started
A complete submission fits on a page. We need the security address and property type, your estimate of its value and the basis for it, any debt currently secured against it, the amount you are seeking, and a clear statement of how and when the loan repays.
Beyond that, a few sentences of honest context about the transaction helps more than a stack of documents. Anything adverse — defaults, arrears, tax debt, disputes — is far better disclosed at the outset than discovered at settlement. It rarely stops a deal; late discovery frequently does.
Supporting documents such as rates notices, payout figures, valuations, contracts of sale and, for development files, build contracts and cost plans, can be uploaded directly with your application to speed up assessment.
FAQ
Typically three to twelve months, structured around your realistic sale or refinance timeline with a sensible buffer. Extensions are considered where a transaction takes longer than expected.
No. Bridging exists precisely so you can purchase before you sell, which is what allows you to move on a property without being forced into a rushed sale on the other side.
Usually not. Interest is generally capitalised into the facility and repaid at the exit, so you are not servicing two facilities at once.
Talk to us early. Extensions are commonly available where the property is genuinely on market and priced sensibly. Problems arise when borrowers wait until the expiry date to raise it.
Yes. We bridge residential, commercial, industrial and development property, and the security can be the incoming property, the outgoing one, or both.
Bridging is secured by registered mortgage, supports larger amounts and longer terms, and is built around a two-transaction timeline. A caveat is faster to establish and suits shorter, more urgent funding needs.
Related
Get Started
Complete this quick form and we'll provide a no-obligation funding offer within 24 hours.