Bridging or Working Capital Loans

Why use PMA for your Bridging or Working Capital Loan:

  • You can’t meet banks' serviceability requirements
  • You need funding to tide you over when things don’t go to plan
  • You have some unexpected costs and need finance to keep the business afloat

Bridging or Working Capital Loan Terms

Loan Amount

Up to $5M (1st Mortgages) & $2M (2nd Mortgages)


Up to 75% (max. LVR of 75% for major metro residential property, other security at lower LVRs)


1st or 2nd Mortgage


3-12 months + Extensions

Bridging or Working Capital Loans

A bridging loan is a short-term loan you can use as funding for your business until you have a more permanent source of finance in place. While a working capital loan is a type of short-term loan used to finance a company’s everyday operations. The goal of working capital loans is to provide working capital for short-term capital expenditures, such as wages, rent, debt service payments, or to finance activities, such as sales and marketing or research and development.

A short-term loan from a private lender for bridging finance or as a working capital solution is often a great choice for many businesses. Usually a bank will not consider a short-term loan application because they require regular servicing of the loan (monthly payments) which isn’t possible for the business. Or there may be circumstances that make the business an unfavourable borrower to the bank but a short-term private lender is able to be more flexible.

Lending Process


Complete our
Quick App Form


Book a Call
with our head of relationships


After receiving the Application we’ll develop an Indicative Letter of Offer which includes an indicative interest rate.

Once the Offer is accepted a small assessment fee is charged to cover the searches we do in due diligence.


Once we’ve completed our due diligence, we’ll send a formal Letter of Offer. Once signed the loan documents are drawn up and sent to the Borrower’s solicitor.


Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the Borrower.

Referrer fees are paid within 24 hours from settlement with no clawbacks.

We endeavor to make this process as quick as possible and can settle within 5 days upon receipt of all outstanding information.

Our Other Private Lending Solutions