Who it suits
- Borrowers buying before selling
- Borrowers needing to settle on time
- Applicants awaiting a refinance or sale
- Borrowers with complex income or structures
Asset-Backed Private Credit
Bridging Finance
Short-term, property-backed bridging finance arranged for Australian borrowers.
Bridging finance provides short-term liquidity secured against real property, typically used to bridge the gap between two transactions. Private Credit AI helps arrange property-backed bridging facilities for borrowers who need to act quickly.
Security
- First or second mortgage over real property
- Security can be a single property or cross-collateralised
- Exit via sale or refinance
Typical use cases
- Bridging between a purchase and a sale
- Settling a purchase on time
- Releasing equity pending a refinance
- Funding a deposit or completion
Documents you may need
- Property valuation
- Details of the exit (sale contract or refinance plan)
- Existing mortgage and title details
- Supporting transaction evidence
The enquiry process
Submit an enquiry
Tell us about your asset, requirement and timing.
Review & indicative options
We assess the security and outline indicative options.
Valuation & due diligence
The security is valued and due diligence completed.
Settlement
The facility is documented and settled.
Indicative only. Timing and terms depend on the asset, security and due diligence. See our rates page for general pricing guidance.
Frequently Asked Questions
What security is required for bridging finance?
Funding is secured by a registered mortgage or caveat over real property. The security position (first or second mortgage) and loan-to-value ratio depend on the asset, the transaction and your exit strategy.
What documents will I need to provide?
Typically we ask for a current property valuation, certificate of title, details of any existing finance, and information that supports your exit strategy. We confirm the exact document list after reviewing your enquiry.
How quickly can bridging finance be arranged?
Timing depends on the asset, the security structure and how complete your documentation is. Private credit can often be arranged more quickly than conventional bank finance, but we provide an indicative timeframe only after reviewing your situation.
Is bridging finance suitable for my situation?
These solutions may suit business owners, company directors, property investors and self-employed borrowers whose circumstances make standard bank finance difficult — for example, complex ownership structures, tax-effective income, or cross-border assets.
Does Private Credit AI lend directly?
Private Credit AI helps arrange and connect borrowers with asset-backed private credit solutions. We are not a deposit-taking institution, and any facility is subject to the security, due diligence and terms agreed with the relevant capital provider.
What are the next steps to enquire?
Submit an enquiry via our contact page or start an application. We review your situation and outline indicative options before any valuation or due diligence begins.
These answers are general information only and do not constitute an offer of finance. See our disclaimer and FAQ page.
Related finance solutions
Explore other asset-backed private credit options for Australian borrowers.
Ready to discuss your requirement?
Submit an enquiry and we’ll review your asset and situation before outlining indicative options.