Apply
Submit an application or speak with a Surge specialist about your settlement timeline.
Finance solutions when settlement deadlines can’t wait.
Fast, flexible funding to meet Notice to Complete obligations and avoid contract termination or penalties.
- Over 10yrs responsible lending
- Fast funding in days, not months
- Loans from $50K to $50M
- Up to 80% LVR
When a Notice to Complete arrives, speed matters most.
A Notice to Complete is the final deadline before a property contract can be terminated. Whether delays are caused by finance shortfalls, project overruns, or slow settlements, missing this date can mean losing deposits and legal exposure.
Surge Finance provides short-term, asset-backed funding to meet critical settlement deadlines. We understand the urgency of completion, our facilities are secured against Australian property, with funds available immediately.
Helping you meet your deadline
Our Notice to Complete Loans are designed for buyers, developers, and directors who need fast, reliable funding when traditional lenders can’t move quickly enough.
Fast approval and settlement
Typically within 1–5 days.
Avoid contract default
Meet settlement obligations and prevent costly terminations or forfeitures.
Flexible exit strategy
Refinance or repay once your sale, refinance, or project completes.
How We Get You Funded
Specialist lending that bridges urgent settlement shortfalls — fast and securely.
- 1
- 2
Assessment
We’ll review your property details, contract timing, and available security.
- 3
Approval
Confirm property valuation and finalise documentation.
- 4
Settlement
Funds are released within 24 hours after settlement.
Fast, reliable finance when deadlines can’t be missed.
- Money available within 24h of approval
- Choose 1–12m Term flexibility
- Over $300M Funding to Australian SME
Meet your settlement deadline with confidence.
Apply online or talk to a specialist about fast Notice to Complete funding options.
Frequently Asked Questions
Our aim is to make securing important funding for your business feel simple and straightforward. Our team is on hand to help navigate the details.
What is a Notice to Complete Loan?
It’s a short-term facility designed to provide the funds needed to meet property settlement deadlines when a Notice to Complete has been issued.
Who can apply?
Buyers, developers, or directors facing a Notice to Complete or settlement shortfall.
What can the funds be used for?
Paying subcontractors, purchasing materials, completing milestones, or refinancing an existing construction facility.
Can this funding be used alongside bridging or construction loans?
Yes — Surge often structures Notice to Complete funding in conjunction with existing facilities or upcoming refinances.