How a $200,000 Bridging Loan Transformed a South Sydney Construction Company

• Loan amount: $200,000 bridging loan
• Location: South Sydney
• Client: Mid‑sized construction firm facing cash flow timing gap
• Problem: Delayed payment from a major project stalled materials purchase and subcontractor payment
• Solution: Fast‑turnaround bridging loan, enabling business continuity and timely project completion

When you’re waiting on a big payment from a client, and your suppliers want cash today—what do you do? That’s precisely the situation a South Sydney construction firm found itself in when a major commercial project payment was delayed. The crew was ready, materials ordered, subcontractors booked—but funds hadn’t arrived. It’s a deadlock that can derail timelines, damage reputations, and cost money.

The uncertainty of waiting, when every day counts on a construction timeline, is not academic—it impacts payroll, supplier trust, and ultimately, client satisfaction. For this business, a $200,000 cash flow gap meant risk of delays, increased costs, and reputational damage.

Identifying the Gap and Acting Quickly

The client approached Bridging Loans when their invoice, worth $350,000, was due from a property developer. That payment slipped by two weeks past the due date, which was enough to raise alarms. With costs accruing and subcontractors beginning to ask for progress payments, the firm faced a delicate balancing act: keep the project moving or risk delays that might spiral.

We conducted a rapid assessment of their upcoming receivables, bank statements, and project cash flow forecast. It became clear that bridging this specific $200,000 shortfall would keep everything on track. It could purchase essential materials and meet payroll.

Structuring the Bridging Loan with Precision

We structured a bridging loan secured against the expected receivable from the developer. That meant minimal disruption to existing assets: the firm didn’t have to touch machinery or equipment they relied on daily. With their invoice validated, we finalised loan documents within 48 hours.

The loan terms were tailored for short‑term duration: 3 months, with a competitive interest rate reflecting both the low risk (because it was secured by a confirmed receivable) and the expedited turnaround. Importantly, the loan serviced immediate needs, avoiding long‑term obligations or equity dilution.

Fast Funding With Smooth Execution

Once funds hit their account, the construction company could pay suppliers, get materials delivered on schedule, and honour subcontractor payments. That moved the project from potential gridlock right back onto the deadline path.

Crucially, the receivable from the developer cleared within four weeks. At that point, the company was able to repay the bridging loan along with interest, well before the three‑month term ended. The entire cycle—from application to repayment—lasted under six weeks.

“Could a bridging loan really prevent costly project delays?”

Yes—it did. By acting decisively, this firm avoided extended downtime, kept subcontractor relationships solid, and preserved trust with both suppliers and clients. They completed the project on time, which in construction is everything. More than a financial fix, this swift solution kept their business reputation intact and even strengthened it—because they demonstrated reliability under pressure.

At Bridging Loans, we excel in delivering such short‑term business solutions—, bridging loans and second mortgages—for companies that need funding quickly to seize opportunities or bridge timing gaps. Just like this construction company in South Sydney, other businesses can rely on us for fast turnaround, transparent terms, and solutions bespoke to their immediate needs.

‍