Bridge Funding

Bridge funding. For when timing is everything.

Settlement delayed. Payment stuck. Opportunity closing. Your assets can bridge the gap - same day, no credit checks, no property required.

Bridge Finance Solutions
Short-term Capital

What is bridge funding?

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.

You’re not short on money. You’re short on time. A settlement is delayed. An invoice is stuck. A deposit is due before the finance clears. Bridge funding buys you the time to make it work.

How ABL bridge funding works:

We advance cash against your eligible assets - equipment, vehicles, and machinery.

No credit checks, no financials, and no property security required. You get the funds same day, bridge the gap, and repay when your money lands.

When do businesses need bridge funding?

The gap between "money coming" and "money needed" can break a deal. Here's when bridge funding saves it.

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Property settlement delays

Settlement pushed back but deposit or purchase already committed elsewhere.

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Invoice payment delays

Large invoice approved but not yet paid. Payroll or supplier due now.

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Finance approval gaps

New finance approved but settlement takes 2-3 weeks. Opportunity closes in days.

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Time-sensitive opportunities

Bulk discount expires in 48 hours. Equipment auction closes tomorrow.

Bridge funding in action

Real timing gaps. Real solutions.
Park It

Settlement delay — $180K

Property Developer, Brisbane

Situation

Property sale settlement delayed 4 weeks. Deposit on next purchase due in 5 days. Bank wouldn’t bridge without property security.

Asset

Excavator worth $280K sitting on site

Solution

Advanced $180K via Park It. Deposit paid. Settlement cleared 3 weeks later. Asset returned. Total cost: ~$14K.

Track It

Invoice stuck — $65K

Civil Contractor, Melbourne

Situation

$420K invoice approved by tier-1 builder but payment stuck in 60-day terms. Subcontractor threatening to walk off next job.

Asset

Tipper truck and trailer worth $140K

Solution

Advanced $65K via Track It. Kept working with GPS. Subbie paid. Invoice landed 6 weeks later. Repaid in full.

Track It

Equipment opportunity — $95K

Earthmoving Company, Perth

Situation

Auction opportunity: excavator worth $180K going for $95K. Finance approved but 3 weeks to settle. Auction closes Friday.

Asset

Existing loader worth $160K

Solution

Advanced $95K via Track It on Tuesday. Won auction Friday. Finance settled 3 weeks later. $85K equity gain minus ~$6K bridging cost.

Track It

Contract deposit — $50K

Transport Business, Sydney

Situation

Won major logistics contract. 10% deposit required to lock it in. Cash tied up in existing operations. Bank says 2 weeks.

Asset

Two prime movers worth $180K combined

Solution

Advanced $50K via Track It. Trucks kept working. Contract secured. First payment from new contract covered repayment.

How it works

How bridge funding works

Five steps. Often done in a day.

01

Tell us about the gap

What’s the timing issue? How much do you need? When is the money coming in?

02

We value your assets

Quick valuation - often same day. We advance up to 70% of forced sale value.

03

Choose your product

Park It (asset stored with us, 4%/month) or Track It (keep using it with GPS, 6%/month).

04

Bridge the gap

Funds released same day. Deposit paid. Settlement met. Opportunity secured.

05

Repay when money lands

Settlement clears, invoice pays, finance settles - you repay us and collect your asset.

Compare products

Park It, Track It, or Sell It.

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.

Park It

Asset stored. Capital today.
Asset location
Securely stored
Use during term
None
Asset returns
Yes, when you’re done
Best for
An asset you can park for up to 9 months
View Park It →

Track It

Keep using it. Capital today.
Asset location
Stays with you, GPS tracked
Use during term
Continued, normal
Asset returns
Yes, when you’re done
Best for
An asset that needs to stay in service
View Track It →

Sell It

Capital today. Sale completes the loan.
Asset location
Prepared for auction
Use during term
None
Asset returns
No. Sale closes the loan
Best for
A strategic exit on an asset you’re ready to release
View Sell It →
Strategic Finance

Why ABL for bridge funding

Same-day funding

Same-day funding

Timing gaps don’t wait. We move in hours, not weeks.

No credit checks

No credit checks

Your credit score doesn’t matter. We assess the asset, not the borrower.

No financials required

No financials required

No BAS. No tax returns. No P&L. Just the asset.

No property security

No property security

Don’t tie up your property for a short-term bridge. Your equipment is the security.

Flexible exit

Flexible exit

Exit after month 1. No exit fees. When the bridge is done, you’re done.

Lloyds Auctions

Backed by Lloyds Auctioneers

Australia’s asset specialists. National reach. Decades of experience.

Your questions answered

How businesses use ABL to turn assets into short-term finance.

Steve Heavey, ABL Managing Director, explains how it works and who it's built for.

  • Traditional business loans assess your trading history, financials and credit. ABL assesses one thing: the value of your asset. So we can move in hours, not weeks.
  • Tax debt, payroll pressure, supplier deadlines, or a settlement gap. Anywhere a business is asset-rich but cash-poor and time matters.
  • You could, but it wouldn't be as fast and you'd be doing it under fire-sale conditions. With ABL you get funding when you need it without being forced to sell your asset under pressure.
  • We work with you on options. If repayment isn't possible, we sell the asset to clear the loan and return any surplus to you.
  • Australia's only cash-out solution specialist. We lend against the assets you already own. Fast, asset-led, no credit checks.
View all FAQs →
Watch
Steve Heavey, Managing Director: How ABL works

Bridge funding FAQs

Same day. Once we’ve valued your asset and completed paperwork, funds can be in your account within hours.

Talk to us. We can extend terms up to 9 months if needed. We’re more flexible than banks — the goal is to help you succeed, not take your equipment.

Yes. Exit after month 1 with no exit fees. When the money lands and you’re ready to repay, we make it simple.

No. We assess the asset, not the borrower. No credit checks, no BAS, no tax returns, no financial statements.

Vehicles, trucks, trailers, excavators, loaders, machinery, boats, motorcycles, and other valuable moveable assets. If you own it and it’s not heavily financed, we can probably fund against it.

$20K to $1M, depending on asset value. We typically advance up to 70% of forced sale value.

Traditional bridging loans are secured against property. We’re secured against moveable assets — equipment, vehicles, machinery. Faster approval, no property required.

Bridge Loans

Bridge the gap today.

Timing problems need fast solutions. Get a same-day valuation and see how your assets can bridge the gap.