Need finance fast?
Sometimes finance needs to happen fast. An auction purchase, a business opportunity, a settlement extension, a tax deadline. We work with lenders who can move quickly when the situation requires it, without compromising on the quality of the outcome.
We can help you:
- Bridge between property settlements
- Settle an auction purchase on time
- Complete a purchase on a tight settlement date
- Fund a time-sensitive business opportunity
- Arrange a short-term first mortgage against property
- Refinance out of an expiring short-term facility
- Get indicative terms within 24 to 48 hours
- Structure the facility around a clear exit
- Move fast without overpaying
Who we help:
- Established business owners who require finance between $100k to $10M
- First-time borrowers who need a beginner-friendly strategy
- Sophisticated borrowers and investors who need a unique strategy and deal structure
- Urgent, time-sensitive deals that need to move quickly
- Self-employed and trust-structured borrowers who need their income presented properly
- Commercial property owners with multi-tenancy plans
Speak to a specialist today
1,000+
loans settled
$500M+
funded
Urgent finance
When the timeline is tight, we move fast
We help borrowers who need finance arranged quickly. Whether you are buying at auction, facing a property settlement, bridging between settlements, or dealing with a time-sensitive business need, we know which lenders can move and how to get a submission in front of them in the right format to get a fast decision.
Funding from $100K to $10M
from over 60 bank & non-bank lenders
- ANZ
- Bankwest
- Bluestone
- Bank of Queensland
- Commonwealth Bank
- Firstmac
- ING
- Macquarie
- NAB
- Pepper Money
- Suncorp Bank
- Thinktank
Urgent finance specialists
Urgent finance is a specialist area, and one we speak with clients about every week, for borrowers working to a settlement, auction or other time-sensitive deadline. The situations we fund most often include:
- –Bridging finance between property settlements
- –Auction purchase finance with short settlement periods
- –Short-term bridging while your longer-term finance is arranged
- –Business opportunity finance where timing is critical
- –Refinancing out of an expiring short-term facility
These loans run one to twelve months, secured by a first mortgage over commercial or residential property to about 65% to 70% of value. Interest is usually capitalised or prepaid, there are no monthly repayments, and a clear exit through a sale or refinance is required.
Why businesses choose Ardent Capital Group as their broker
Execution and strategy
Strategy first, then execution. We structure your deal properly and take it to the lenders that fit how you trade, so you do not have to knock on every door.
Clear advice for smart lending
Straight answers on LVR, structure and timing, including when a deal does not stack up.
A long-term partner
We stay with you well beyond settlement, with lasting relationships and ongoing support from the team.
Urgent finance types
Urgent funding scenarios we can help finance
Urgent finance covers a wide range of situations. What they have in common is that the timeline is the primary constraint. Below are the most common scenarios we work through.
Bridging finance between property settlements
A bridging loan lets you complete a purchase before the proceeds of your sale arrive. It is a short-term facility secured against one or both properties and repaid once the sale settles.
Bridging is assessed on the combined security value, the blended loan-to-value across both properties and a confirmed exit, with terms of one to twelve months. We confirm the exit before submission so the facility proceeds cleanly.
- Lenders assess both peak debt during the bridge and the end debt once your sale settles
- Interest is usually capitalised, so there are no monthly repayments across the term
- Blended LVR across both securities is commonly capped near 70% of combined value
- A closed bridge, where your sale is already exchanged, prices better than an open bridge with no buyer
- A desktop or short-form valuation is ordered to keep the timeline tight
- Second-mortgage bridging is available where your outgoing loan stays in place
- Discharge and settlement booking coordinated with your solicitor and the incoming lender
Auction purchase with short settlement
Auction purchases usually settle within 30 to 42 days, and once the hammer falls the contract is unconditional with no cooling-off period. Where a standard approval will not land in time, a short-term bridge secured against the property can settle on the contract date.
Auction bridging is assessed quickly on the purchase price, the valuation and your position, with the exit the primary question. We line the finance up to meet the settlement date.
- The 10% deposit falls due on the fall of the hammer, with the balance at settlement
- There is no finance clause on an unconditional contract, so funding certainty matters before you bid
- The lender values against the lower of the purchase price and the valuation
- Alt-doc and low-doc structures are available where recent tax returns are not yet lodged
- Suits residential, commercial and mixed-use security
- A refinance to a standard facility is arranged in parallel so the bridge stays short
Short-term bridging while finance is arranged
When your longer-term finance needs a little more time to settle, short-term bridging provides the funds to complete on the contract date. The speed of the response is what matters.
Short-term bridging is assessed quickly, with a credible exit within the term the lender’s main concern. We move as soon as we have the contract and title details.
- Settlement dates are met even when your incoming finance needs a few more days
- The bridge is sized against the property value and your confirmed exit
- Interest is capitalised or prepaid, so there are no monthly repayments during the term
- Non-bank lenders can put a short first mortgage in place within days
- Your solicitor, the vendor’s solicitor and the lender are coordinated on one settlement booking
- Exit by refinancing to your standard loan once it settles, or completing the sale
- A term sheet can often be issued the same day
Business opportunity finance
Time-sensitive opportunities such as acquiring a competitor, securing stock or funding a tender can need capital before standard processes deliver. Short-term business finance bridges the gap until your own funds or a longer facility arrive.
It is assessed on the business position, the merit of the opportunity and repayment within the term, with security taken over property, business assets or both.
- Security can be a first or second mortgage over commercial property, or a general security agreement over business assets
- Suits stock purchases, plant and equipment, tender deposits and performance bonds
- A director’s guarantee is usually required
- Interest is often prepaid or capitalised so cash flow stays with the opportunity
- Exit by refinancing into a term loan, a working capital line or asset finance
- Terms are typically one to six months for opportunity-driven funding
Short-term first mortgage against property
Where speed matters more than a full assessment, some non-bank lenders advance funds against real property on an asset-lending basis, often within 24 to 72 hours. Rates are higher, and the trade-off is speed.
Short-term first mortgage facilities are assessed mainly on the security value and the loan-to-value, with a clear exit within the term the deciding factor.
- A short first mortgage suits property with clear title and settles quickly
- It is secured by a registered first mortgage over commercial or residential property
- LVR is commonly capped around 65% to 70% of the security value
- Rates are often quoted per month rather than per annum, from roughly 0.8% to 2%
- Establishment and legal fees, plus a minimum term, are factored into the total cost
- Exit by refinancing to a bank or non-bank term loan, or by selling the asset
- We model the full cost over the expected term before you commit
Refinancing an expiring short-term facility
When a bridging or short-term facility is close to its expiry, refinancing it into a new short-term or standard loan keeps the purchase on track. Where the security and exit are clear, a lender can move quickly to replace the maturing facility.
It is assessed on the security value, the loan-to-value and a credible exit within the new term. We line up the replacement facility before the current one matures.
- A maturing bridging or short-term loan is repaid by the new facility
- A single facility can replace the existing short-term loan and its costs
- Security is a registered first mortgage over commercial or residential property
- The aim is a clean path back to a standard bank or non-bank term loan
- Exit by refinancing to a standard term loan, or by completing a sale
- We review the exit realistically before you commit, and say so if it does not stack up
- Coordinated with your solicitor to meet the maturity date
Our complete list of services
- Bridge between property settlements
- Settle an auction purchase on time
- Complete a purchase on a tight settlement date
- Fund a time-sensitive business opportunity
- Arrange a short-term first mortgage against property
- Refinance out of an expiring short-term facility
- Secure short-term funds against property
- Get indicative terms within 24 to 48 hours
- Structure the facility around a clear exit
- Refinance out of a bridging facility
- Fund a deposit ahead of a longer settlement
- Cover a tender or performance bond
- Access non-bank funding at speed
- Coordinate with your solicitor under deadline
- Minimise cost on short-term finance
- Move fast without overpaying
Our process
How it works
✓We understand your scenario
We talk through the property, your business and timeline, and any complexity in your structure.
✓We find the right lender
We match your deal to the lender on our panel best suited to it.
✓You receive clear terms and guidance
We present indicative terms and explain what we recommend, and why.
✓We stay with you beyond settlement
We manage everything through to settlement, then stay in your corner well beyond it, with ongoing support from the team.
Lender features compared
How bridging and urgent finance compares across lenders
Bridging and urgent finance is judged on speed and exit, not just serviceability. Non-bank lenders can move within a week where a major bank cannot, when the security and exit are clear.
| Bridging finance feature | Major banks | Non-bank lenders | Availability |
|---|---|---|---|
| Maximum LVR | 65% to 70% | Up to 75% | Standard |
| Speed to funding | Limited | Days, not weeks | Critical |
| Security type | Standard property | First or second mortgage over property | Important |
| Exit strategy required | Yes | Yes | Critical |
| Term | 3 to 12 months | 1 to 12 months | Flexible |
| Approval timeframe* | 1 to 3 weeks | As fast as within 1 week | Varies |
| Best suited for | Straightforward bridges with a bank | Speed-critical settlements and tight timelines | — |
*IMPORTANT: These are indicative figures only. Terms, LVRs and approval timeframes vary with borrower capacity, security type and individual lender criteria, and are subject to change. Figures are a general guide, not a quote or an offer of finance, and not a representation that finance is available on these terms.
Frequently asked questions
What is urgent finance?
Urgent finance covers any situation where speed matters as much as cost and structure, from bridging between settlements to auction purchases and tight deadlines. Facilities are typically short-term and priced to reflect the speed, with a clear exit strategy at the centre of the deal. Ardent Capital Group is a Sydney-based finance brokerage arranging urgent and bridging finance across Australia.
Why work with Ardent Capital Group on your finance?
Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. With urgent finance the exit matters as much as the deadline, so we plan how you refinance off bridging onto sensible longer-term terms rather than leaving you there. We work with lenders who can move quickly on bridging and short-term facilities and show you where the real pressure points sit in the days you have. Every figure is subject to serviceability, lender appetite and approval.
How fast can you arrange urgent commercial finance?
It depends on the situation and the lender. For straightforward bridging or short-term finance against real property, indicative terms within 24 to 48 hours and formal approval within three to five business days are achievable with the right lender. More complex situations take longer. Call us directly and we will give you an honest assessment of what is possible within your timeline.
What does urgent or bridging finance cost?
Short-term and urgent facilities are priced higher than standard commercial lending to reflect the speed, the short term and the risk premium. Rates typically range from 0.8% to 2% per month depending on the lender, the security and the LVR. Application and establishment fees also apply. We model the full cost for you before you commit, including all fees and charges over the expected facility term.
What security is needed for urgent finance?
Most urgent finance lenders require real property as security, commercial or residential. The loan is assessed primarily on the security value and the loan-to-value ratio. Some lenders will also consider business assets or a personal guarantee. The stronger and cleaner the security, the faster the assessment and the better the terms.
What is the exit strategy and why does it matter?
The exit strategy is how the borrower intends to repay the urgent facility, usually through refinancing to a standard term loan, selling a property or receiving funds from another confirmed source. It matters because short-term lenders are lending against a clear timeline. Without a credible exit, most specialist lenders will not proceed. We structure the exit into the facility from the start to ensure it does not create problems later.
Can you help if my bank cannot move quickly enough?
Often, yes. Banks are not well-suited to urgent timelines, their internal processes are not designed for speed. Non-bank lenders operate differently and can often provide a decision within hours. If your bank cannot meet the deadline, that does not close the door to a solution. Call us and we will assess what is available.
Do you charge fees for arranging urgent finance?
Most of the time, no. We are paid a commission by the lender once your loan settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.
What areas do you service?
Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your property or security is located, we can arrange your finance.
What other finance can you assist with?
Beyond your urgent facility, we can help with asset finance and working capital. On asset finance, that covers equipment, machinery and commercial vehicles. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover short-term cash-flow gaps and timing differences.
I've been a business owner for a few years now, but this will be my first loan. Are you beginner friendly?
Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established business owners and property investors seeking finance from $100,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.
