Apply
Submit an application or speak with a Surge specialist about your settlement timeline.
Close the gap with flexible shortfall finance.
Fast, practical funding to bridge the difference when another lender can’t meet your full borrowing needs.
- Over 10yrs responsible lending
- Fast funding in days, not months
- Loans from $50K to $50M
- Up to 80% LVR
When traditional lenders stop short.
Even strong applications can fall just short of full approval. Lenders may reduce their exposure or offer less than you need — leaving a funding gap that threatens your deal, project, or refinance.
Surge Finance provides flexible shortfall funding to help you complete the transaction and move forward. Whether you’re settling a property, refinancing, or expanding operations, our shortfall loans are secured against Australian property with funding available immediately.
Helping you close the gap
Our Shortfall Finance is designed for developers, builders, and directors who’ve exhausted their existing facility and need additional funding to reach completion.
Fast approval and settlement
Typically within 1–5 days.
Bridge funding gaps
Meet settlement obligations and prevent costly terminations or forfeitures.
Flexible and adaptable
Tailored to suit settlements, refinances, or project completion requirements.
How We Get You Funded
A simple, transparent process to help you complete your funding stack with confidence.
- 1
- 2
Assessment
We review your existing finance approval, funding gap, 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
Complete your funding and move forward.
Apply online or talk to a specialist about flexible shortfall finance solutions today.
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 shortfall finance?
It’s funding designed to cover the gap between what your primary lender will advance and the total amount you need to complete your project, purchase, or refinance.
Who can apply?
Developers, builders, or business owners who’ve run out of approved funding from their primary lender and need extra capital to finish their project.
What can the funds be used for?
Completing works, paying subcontractors, purchasing materials, or meeting settlement and project costs.
Do you work alongside existing lenders?
Yes — we often provide complementary or top-up facilities where a bank or private lender has paused funding.