Fast, Flexible Bridging Finance & Working Capital Loans for Australian Business Owners
Get the short-term funding you need without bank delays. Fast approvals. Tailored solutions.
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Funding from $250k
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Short 3 – 36 month terms
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First or second mortgage options
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Ideal for cashflow gaps, urgent expenses, or bridging opportunities
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What Type of Loan Do You Need? (Bridging vs Working Capital)
Running a business often means dealing with cashflow gaps and unexpected expenses. When timing is critical and traditional banks can’t move fast enough, PMA can help with fast, flexible bridging finance or working capital loans.
Bridging Finance for Business Owners
Use this when you need temporary funding while waiting for a sale, refinance, or incoming funds. Common uses:
- Bridging to refinance with a mainstream lender
- Covering a shortfall until a property sells
- Meeting settlement deadlines
Completing a development or renovation - Paying out creditors to avoid delays
Working Capital Loans for SMEs
Use this when your business needs cash to operate, grow, or smooth cashflow. Common Uses:
- Funding payroll, stock, or inventory
- Covering BAS, tax, or supplier payments
- Managing slow invoice cycles
- Financing marketing campaigns or expansion
- Handling unexpected expenses
Who Is This Loan For?
Small-to-Medium Business Owners (SMEs)
We help business owners who need short-term funding to stabilise operations, cover unexpected expenses, or seize growth opportunities. Whether you need funds for wages, rent, stock purchases, or supplier payments, our solutions are designed to keep your business moving forward.
Businesses Experiencing Cash Flow Gaps
Seasonal downturns, delayed receivables, or sudden costs can put pressure on cash flow. Our working capital loans provide immediate liquidity so you can continue operating confidently while waiting for incoming revenue or longerterm finance.
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. 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.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study - 2nd Mortgage Working Capital
Scenario
- Borrowers: Experienced contract builders who recently secured three new building projects.
- Challenge: Experiencing delayed client payments, creating cashflow pressure during the early stages of construction.
- Need: A working capital loan to cover materials, subcontractor costs, and operational expenses while waiting for progress payments.
- Security: Residential property in a coastal suburb of Victoria
Why PMA?
- Banks were unable to assist due to strict income and serviceability criteria.
- Builders needed a fast, flexible working capital solution that didn’t rely on traditional verification methods.
- PMA assessed the security and exit strategy, allowing a practical and timely funding option.
- PMA specialises in helping SMEs who need short-term working capital loans to smooth cashflow gaps.
PMA’s Solution
- $135,000 second mortgage working capital loan
- 10-month term at 12.75% p.a.
- Outcome: Borrowers gained immediate access to cash to progress new building projects without delays.
- Benefit: Ensured continuity of operations, maintained supplier relationships, and supported project timelines.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
For those of you who are thinking about investing with these guys, it’s pretty easy and rewarding....
Adam M - Mornington VIC
2018-07-02 04:35:41
★ ★ ★ ★ ★
We found the PMA team to be polite, efficient and professional at all times. Venus, Shanta and Peter responded to any questions, followed up on delays and ensured settlement was achieved in a timely manner....
Vicki C, First-Time Borrower - New South Wales
2023-08-15 15:50:42
★ ★ ★ ★ ★
We appreciate all the efforts, in difficult and challenging circumstances. Your professional approach and ability to get the deal done has been much appreciated by all....
Simone - Gold Coast
2019-04-05 05:30:51
★ ★ ★ ★ ★
Informative, efficient and have always delivered on their promises....
Igor L - Parramatta NSW
2018-04-14 04:30:32
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
