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LendCap

Guide

Short-term and bridging finance for a business purpose

Business bridging finance is short-term funding used for a genuine business purpose while a defined exit, typically a sale, refinance or settlement, is completed. Its viability depends on the credibility of that exit, and it carries the same default and capital-loss risk as any other lending.

The exit is the transaction

Short-term funding is assessed primarily on how it will be repaid. An identified, evidenced exit is central: an unconditional sale, a refinance under way, or a settlement with a date attached carries more weight than an intention.

Business purpose only

LendCap facilitates business-purpose lending. Consumer mortgages and personal loans are outside what LendCap does, and the business purpose is tested at application before anything progresses.

What lenders see

Where a short-term opportunity is presented, registered lenders receive the offer material covering the borrower background, the proposed structure, the security and the risk information, and decide opportunity by opportunity.

Terms used in this guide

Need business funding?

Tell us about the funding you are looking for and we will come back to you.

Business funding enquiry

Tell us about the funding you are looking for and we will come back to you. Please do not send financial statements or identity documents here — those belong in the secure application environment.

Fields marked are required.

A short description of the business, the security and how the loan would be repaid.

Your details are used only to respond to this enquiry and are handled under LendCap's privacy policy.

Prefer to talk it through? Call 09 873 8645.

Last reviewed: 7 September 2026

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