Summary at a glance

• Loan amount of $150,000
• Purpose was a cash deposit to secure an investment property
• Property location was Long Jetty NSW 2261
• Requirement was an unconditional cash offer to secure the purchase
• Exit strategy was the sale of an existing property

You know when a property is right. The location works. The numbers make sense. The upside is there. In this case, the borrower had identified an investment property in Long Jetty that ticked every box. The challenge was not the decision to buy. It was the structure required to secure it.

The agent made it clear from the outset. The vendor would only accept an unconditional cash offer. No finance clauses. No extended settlement terms. If the deposit was not available immediately, the property would go to the next buyer. That put the borrower in a tight but very familiar position. Asset rich, strategy clear, but capital tied up elsewhere.

In the second conversation, the borrower laid it out plainly. They had the equity and a clear plan to exit through the sale of another property, but they did not have $150,000 sitting idle in cash. Waiting for a traditional lender was not an option. The opportunity would be gone long before an approval came through.

The pressure behind an unconditional offer

Unconditional offers sound simple until you are the one required to make them. For many investors, the sticking point is not confidence in the deal, but confidence in timing. You need funds available now, even though your longer term position is strong.

This borrower had already committed to selling an existing property. The intent was genuine and the expected sale price supported the exit comfortably. The issue was sequencing. The purchase needed to happen first, while the sale would follow.

That sequencing is where deals often fall apart. Banks do not like gaps. They want everything neatly aligned, often insisting on sales completing before new commitments are made. For active investors, that rigidity does not reflect how real opportunities arise.

The borrower was clear they did not want to stretch themselves with a long term facility or refinance their entire portfolio just to access a short term deposit. They needed a targeted solution that did one thing well. Provide $150,000 quickly, with a clean and realistic exit.

It raises a common question that many investors quietly ask. How do you secure a property with an unconditional cash offer when your wealth is tied up in property?

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Designing a deposit solution that fits the deal

From our perspective at Business Bridging Loans, this was about alignment. The bridging loan had to match the purpose, the risk profile, and the exit strategy. Anything more would add cost and complexity. Anything less would jeopardise the purchase.

We assessed the investment property in Long Jetty, the broader portfolio, and the property earmarked for sale. The exit strategy was not theoretical. There was a genuine intention to sell, supported by market evidence and a realistic timeframe.

The $150,000 facility was structured specifically as a short term solution to fund the deposit. The focus of the application was not on long serviceability calculators or long term income projections. It was on the strength of the exit and the borrower’s track record as an investor.

We worked with a lender comfortable with fast turnaround lending for investment purposes, where speed and certainty matter. The lender understood the need for an unconditional offer and moved quickly once the fundamentals were confirmed.

Interest was structured to minimise cash flow pressure during the short term of the loan. This allowed the borrower to proceed with the purchase without juggling unnecessary repayments while preparing the sale of the exit property.

Everything was documented clearly. The borrower knew exactly how long the facility was for, what the total cost would be, and how the loan would be repaid. That clarity gave them the confidence to move forward decisively.

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Acting fast without compromising the exit

Timing was critical. Once the structure was agreed, we prioritised speed without cutting corners. The lender assessed the deal promptly, focusing on the exit strategy and overall position rather than minor technicalities.

Funds were made available in time for the borrower to present an unconditional cash offer. The property was secured. No renegotiation. No missed opportunity. The borrower was able to lock in the Long Jetty investment exactly as planned.

What mattered most was that the loan did its job and nothing more. It bridged a short term gap so the borrower could control the sequence of buy then sell, rather than being forced into a less favourable order.

The borrower later reflected that without this type of funding, they would have either missed the property or been pushed into selling under pressure. Neither outcome was acceptable. Having the right deposit solution in place allowed them to stay in control of their strategy.

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How Business Bridging Loans helps investors move with confidence

At Business Bridging Loans, we understand that property investment does not always follow neat timelines. Good opportunities rarely wait for perfect alignment. Our role is to help you act when it makes sense, without exposing you to unnecessary risk.

In this case, the $150,000 deposit facility was not about stretching capacity. It was about unlocking it. By using a short term loan with a clear exit via sale, the borrower was able to secure a high quality investment property in Long Jetty NSW 2261 on their terms.

We take the time to understand your intent, your assets, and your exit before recommending any solution. That is how we ensure the funding supports your strategy rather than dictating it.

If you are facing a similar situation, where an unconditional offer is required but your capital is tied up, there are options available when the deal is structured correctly. Our focus is always on helping you move quickly, confidently, and with a clear way out, so you can keep building your portfolio without unnecessary compromise.

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