Settlement delayed. Payment stuck. Opportunity closing. An asset the business, a director or a third party already owns can bridge the gap. Funding typically takes 24 to 48 hours once the asset is secured. When you’re out of time, you’re not out of options.
Need cash for something else urgent? See emergency funding. New to this? Read what asset-based lending is, or see why every business needs a plan B.
Bridge funding is short-term capital that gets you from where you are to where you need to be. It fills the gap when money is coming, just not fast enough. ABL provides it as a fast equity release against eligible assets such as equipment, vehicles and machinery.
Not short on money. A settlement is delayed, an invoice is stuck or a deposit is due before finance clears.
We advance cash against an asset that is already owned, with no credit checks, no financials and no property security.
Bridge the gap, then repay when your money arrives and collect your asset. We buy you the time you need.
The asset can be owned by the business, by a director personally or by a third party, as long as it is owned outright or mostly paid off, ownership is clear and we can secure against it. How we secure it depends on the asset.
If the asset earns for the business, such as a truck, van or machine, we secure it with a GPS tracker and you keep using it for the length of the loan. See Track It.
For a personal asset, or any asset you don’t need day to day, Park It gets you our best rate. We hold onto the asset for the length of the loan and return it when you repay. See Park It.
The gap between “money coming” and “money needed” can break a deal. Here is when bridge funding saves it.
Settlement pushed back but a deposit or purchase is already committed elsewhere.
Large invoice approved but not yet paid. Payroll or a supplier is due now. For wider cash crunches, see emergency funding.
New finance approved but settlement takes 2 to 3 weeks. The opportunity closes in days.
Bulk discount expires in 48 hours. Equipment auction closes tomorrow.
The common thread: You know the money is coming. You just need it now.
Examples of how businesses use an asset to bridge a gap.
Situation: Property sale settlement delayed four weeks. Deposit on the next purchase due in five days. The bank wouldn’t bridge without property security.
Asset: Excavator worth $280K sitting on site.
Solution: Advanced $180K via Park It. Deposit paid, settlement cleared three weeks later and the asset was returned.
Situation: A $420K invoice was approved by a tier-1 builder but payment was stuck in 60-day terms. A subcontractor was threatening to walk off the next job.
Asset: Tipper truck and trailer worth $140K.
Solution: Advanced $65K via Track It. They kept working with GPS, the subcontractor was paid, the invoice landed six weeks later and the loan was repaid in full.
Situation: Auction opportunity: an excavator worth $180K going for $95K. Finance was approved but needed three weeks to settle. Auction closed Friday.
Asset: Existing loader worth $160K.
Solution: Advanced $95K via Track It on Tuesday. Won the auction on Friday, and finance settled three weeks later. That is $85K of equity gained on the purchase.
Situation: Won a major logistics contract. A 10% deposit was required to lock it in. Cash was tied up in existing operations and the bank said two weeks.
Asset: Two prime movers worth $180K combined.
Solution: Advanced $50K via Track It. The trucks kept working, the contract was secured and the first payment from the new contract covered repayment.
Funding typically takes 24 to 48 hours once the asset is secured.
Three ways to use what you already own. The right product depends on whether you can spare the asset, need to keep using it or are ready to release it entirely. Compare all three products.
| Park It | Track It | Sell It | |
|---|---|---|---|
| In a line | Asset stored. Capital now. | Keep using it. Capital now. | Capital now. The sale completes the loan. |
| Where the asset is | Securely stored | Stays with you, GPS-secured | Prepared for auction |
| Use during the term | None | Continued, as normal | None |
| Asset returns | Yes, when you’re done | Yes, when you’re done | No, the sale closes the loan |
| Best for | An asset you can park for the term | An asset that needs to stay in service | A strategic exit on an asset you’re ready to release |
| Learn more | View Park It | View Track It | View Sell It |
Timing gaps don’t wait. Indicative terms within 2 hours, and typically 24 to 48 hours to funded once the asset is secured.
Your credit score doesn’t matter. We assess the asset, not the borrower.
No BAS. No tax returns. No P&L. Just the asset.
Don’t tie up your property for a short-term bridge. Your equipment is the security.
Typically 1 to 3 months, extendable to 9. Exit any time after month one with no penalty, and pay only for the days you use.
A trusted panel of valuation partners, with experts located across Australia and decades of valuation experience.
Steve Heavey, Managing Director of Asset Based Lending, explains how a cash out solution works and when it fits: you own the asset, time is short and your other options are slow or closing.
This is a real equity release play. There are a lot of businesses out there that are asset rich but cash poor. They're sitting on assets because they know that at some point they may need them. If you're talking about a construction company, that could be trucks, cranes and excavators, all sitting around waiting for the next job. Those assets are doing nothing, when they could be used to resolve some of the short-term cash flow challenges the business may face.
So it's about educating people that this is a short-term solution that helps businesses smooth out their cash flow and resolve those issues, using assets they already own instead of taking on more lending, which puts them under even more pressure.
We had an organisation recently that was on the winding-up list at the ATO. The ATO were trying to wind up their transport company, and they were two days from losing the business to liquidation. Within two days we were able to provide enough money for the business to pay the ATO back, get off the winding-up list and keep trading. One of the best outcomes was that their broker came in and refinanced the family home, so they could pay us back, and the business continued. That saved 40 jobs. This business had 20 trucks on the road, and it lives to fight another day.
I think that's the greatest part of asset based lending. We're here to help businesses survive right now. We can do that because we can move quickly. Nine times out of 10, it's the urgency that's required in these situations where ABL is able to come to the fore, and we provide the bridging solution so they can resolve their issues and get the help they need, whether that's through their accountant or their finance broker.
Well, you could do that, but a lot of our clients are in urgent need of cash. If you go down the traditional path of selling an asset, or going to a bank to secure finance, you can safely say it's going to take at least two to four weeks before that even happens. In some cases with banks, it could be up to three months before you get a decision on commercial finance.
Asset Based Lending can provide a solution the same day. If you've got assets sitting idle and you're willing to park those assets with us, we can release funds on day one.
Steve: We'll lend money for up to six months. We've probably had several customers in that situation at the end of the term, and every one of them has said to us that they were going to sell the asset anyway. It was one of their exit strategies from the start. What Asset Based Lending does is buy people time. We allow them to resolve the issue and get out the other side. Because you can access the funding straight away, you can resolve that tax debt straight away, take the pressure off, get the wolves from the door, and really focus on your business and get yourself out of trouble.
Update, October 2026: the maximum term is now nine months.
At the end of the term, every single person we've talked to has said, "Steve, we were going to sell the asset anyway, but you provided a short-term solution and got us out of trouble at the time. What we're doing now is what we were going to do right at the start, and it's been a great outcome for us."
Interviewer: That time piece is really interesting. If you're going to sell, you need a valuation anyway, but then the time keeps going while you try to find the person who's going to pay at that valuation. And we know the market: you're never going to get the price it's valued at. It's always going to be under.
Steve: Yeah. You never get full price at a liquidation sale, I can tell you that. So in the situations where we do sell assets at the end of the term, we run a proper four-week campaign. It's all transparent and all online. We've got a business partner in Lloyds Auctions & Valuations, where everything's transparent and you can see live bids coming in on your asset. Because we're lending 70% of the forced liquidation value, not the market value, there's always a surplus at the end of the term. We take our principal and interest back, and whatever's left after the asset's sold goes back to the client.
Bridge funding is short-term capital that covers a timing gap: a settlement is delayed, an invoice is stuck or a deposit is due before finance clears. ABL provides it as a fast equity release against an asset the business, a director or a third party already own. It buys you the time to make the deal work.
We release funding once the asset is secured. Indicative terms come within 2 hours, and funding is typically 24 to 48 hours from enquiry. Our record is six hours. The main variable is how quickly the asset is made available.
Talk to us early. Most terms are one to three months and we can extend up to nine, so a delay of a few weeks is usually manageable. You can exit any time after month one with no penalty. If repayment isn't possible, the asset can be sold to clear the loan and any surplus is returned to you.
Yes. You can exit any time after month one with no penalty, and after that you pay only for the days you use. When your settlement clears or your invoice is paid, you repay us and collect your asset.
No. We don't run credit checks and we don't ask for BAS, tax returns or financial statements. We assess the value of the asset, not the borrower.
Equipment, vehicles, trucks, yellow goods, machinery, boats, agricultural equipment, specialist equipment and high-value goods. If it is owned outright or mostly paid off and we can secure against it, we can probably fund against it. See the full list of eligible assets.
Yes. The asset can be owned by the business, by a director personally or by a third party, as long as it is owned outright or mostly paid off, ownership is clear and we can secure against it. Work assets can stay in use with Track It. Personal assets are usually best suited to Park It, which gets our best rate because we hold the asset for the length of the loan.
Loan amounts are $20K to $1M, depending on asset value. We typically advance up to 70% of the asset's value.
Most bridges are one to three months and we can extend up to nine if you need more time. The minimum is one month. You can exit any time after month one with no penalty.
Yes. ABL provides short-term secured commercial lending. The loan is secured against an asset, not your home or other property. With Park It we hold the asset for the length of the loan, and with Track It you keep using it while it is GPS-tracked.
Yes. A traditional bridging loan is usually secured against property and assessed on financials, which takes time. ABL secures against an asset you already own and assesses the asset, not your cash flow or credit. That is why we can move much faster, and you don't have to put property on the line for a short-term gap.
More questions? See all ABL FAQs.
Timing problems need fast solutions. Find out how much your assets can release and see how they can bridge the gap.
Emergency Funding · ATO Debt Funding · DPN Funding · Our Products · Private Business Lender · ABL vs Caveat Loans · Asset Based Finance · For Accountants & Advisors · For Brokers
Page last updated 12 October 2026. ABL provides short-term secured commercial lending. Loans are secured against your asset.
