Funding to keep your business moving.

Fast, flexible bridging finance to cover timing gaps between property settlements, projects, or incoming funds, to help you keep your competitive edge in the market.

  • Over 10yrs responsible lending
  • Fast funding in days, not months
  • Loans from $50K to $50M
  • Up to 80% LVR

Talk to a specialist

Our lending specialists are usually in contact with you within the next 2 hours, during our normal business hours.

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A team member will contact you shortly to discuss your application.

Complete your enquiry

Enter your preferred contact number.

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Timing is everything in business.


But sometimes, cash flow doesn’t line up with your next project or property settlement. You might be waiting for funds from a sale or refinance while a new opportunity can’t wait.

Bridging loans are designed to provide quick financial relief for businesses needing immediate cash flow solutions. These loans are ideal for covering gaps between buying and selling assets or managing urgent financial obligations. With fast access to funds and flexible terms, businesses can maintain operations without the hassle of traditional lending processes.

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Helping you act faster

Surge Finance provides short-term bridging loans to help you act quickly.

We lend against Australian property, settling urgent applications immediately after settlement, so you can complete your purchase, pay suppliers, or release capital when it matters most.

  • Fast approval and settlement

    Typically within 1–5 days.

  • Straightforward

    Minimal red tape that normally comes with a loan from major banks.

  • Flexibility

    Use funds for property purchase, settlement, refinance, or project completion.

How We Get You Funded

Turning your property assets into working capital — fast and hassle-free:

  1. 1

    Apply

    Submit your online application or speak with a Surge specialist.

  2. 2

    Assessment

    We’ll review your security and funding requirements, and provide an indicative offer within hours.

  3. 3

    Approval

    Finalise property valuation and documentation.

  4. 4

    Settlement

    Funds are released, typically within 24 hours after settlement.

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It’s so simple when you partner with Surge Finance.

Speak to an Expert
  • Money available from 24h of approval
  • Choose 1–12m Term flexibility
  • Over $300M Funding to Australian SME

Bridge the gap and keep your momentum.

Apply online or chat with a business finance expert to explore options.

Talk to a specialist

Our lending specialists are usually in contact with you within the next 2 hours, during our normal business hours.

Error

There was an error submitting your form. Please try again.

Thank you for your submission!

A team member will contact you shortly to discuss your application.

Complete your enquiry

Enter your preferred contact number.

Frequently Asked Questions

Aim aim is to make securing important funding for your business feel simple and straightforward. Our team is on hand to help navigate the details.

When should I use bridging finance?

When there’s a short-term gap between outgoing and incoming funds — such as property settlements, refinance delays, or project cash flow timing issues.

What can I use the funds for?

The loan can be used for any legitimate business purpose, including settlement bridging, refinance, tax clearance, or project completion.

How fast can I access funds?

Immediately after settlement. Surge specialises in fast, secured lending for time-critical transactions.

Do you lend to businesses with defaults or tax debts?

Yes. We specialise in creditor-impared finance.

What security do I need?

Residential or commercial property in Australia, supported by a clear exit plan.