Pillar · Bridging
Commercial bridging that
settles in days.
Short-term secured finance that fills the gap between needing capital now and a known exit — buy before sell, complete before refinance.
How it works
Capital now, exit later.
Bridging finance fills the gap between needing capital now and a known exit. Esteb Capital provides commercial bridging for property developers, business owners and investors who need to settle in days — buy before sell, complete before refinance, or hold while a longer-term facility comes through.
Loans are interest-only, typically 3–18 months, secured by first mortgage on real property. Asset-led, not income-led: the lender underwrites the security and the credibility of the exit, not the borrower’s serviceability ratio.
The exit is the whole game. A defined exit pathway — sale, refinance, development completion, or settlement proceeds from another transaction — is the gate every bridging deal has to clear. Bridging without an exit is just expensive debt with a maturity wall.
Business and commercial purposes only. NCCP exemption applies. Consumer bridging (e.g. owner-occupied buy-before-sell) is arranged via Esteb & Co under Australian Credit Licence #389087.
Cluster guides
Bridging, in depth.
2 articles
Funding Urgent Property Purchases: A Guide to Fast Finance
When a property opportunity has a tight settlement deadline, standard bank finance often cannot keep pace. This guide explores how fast finance from private lenders helps Australian businesses secure time-sensitive property purchases.
Bridging Finance Explained: When Banks Say No
Bridging finance fills the gap when traditional lenders cannot move fast enough or when your deal falls outside standard bank criteria. Here is how bridging loans work and when they make sense for Australian businesses.
Have a deal that needs to move?
Submit your enquiry and get indicative terms within 48 hours. Business and commercial purposes only.