A lease premium or key money payment can be the make-or-break moment in a commercial deal. You may have negotiated the right site, the right term, and the right conditions. Then the landlord requires an upfront premium to secure the lease assignment or grant. The opportunity is real. The deadline is also real. Contact us today if you need urgent support.

Bridging finance for a lease premium payment

Bridging finance for a lease premium payment is designed for this exact gap. It gives you short-term, secured funding so you can pay the premium now, secure the premises, and then refinance or repay once your longer-term plan is in place. At Business Bridging Loans, we’ve advised and assisted borrowers with a lease premium payment across many industries and property types. We’ve also facilitated over 500 strategic commercial loans, including time-sensitive transactions where a delay would have cost the deal.

Business Bridging Loans can help you move fast with a secured bridging loan for a lease premium payment. Assess your scenario today.

What a lease premium and key money usually means in practice

A lease premium is an upfront amount paid to secure a leasehold interest. Key money is commonly used to describe a similar concept. It may apply when you are:

• Buying an existing business and taking an assignment of lease
• Securing a high-demand retail or hospitality site
• Negotiating a new lease where the landlord wants a premium
• Competing with other tenants for the same location

In most cases, the payment needs to happen on a set date. Often it is tied to documents, landlord consent, or business settlement. If you miss the date, you risk losing the lease, the goodwill, or both.

Why bridging finance can fit a lease premium payment

This is not the kind of cost you always want to fund from operating cash. Even when you can. A lease premium is usually large, time-critical, and not always aligned with your broader finance approvals.

A bridging loan can help because it is:

• Fast. It is designed for urgent settlement and short timelines.
• Practical. It can match the timing of your lease documents and settlement dates.
• Flexible. It can allow you to move first, then refinance to a longer-term facility later.
• Clear. You borrow for a specific purpose and repay from a defined exit strategy.

It is also often the difference between securing the site you want and watching it go to someone who can pay immediately.

Where Business Bridging Loans becomes the advantage

You do not need a lecture when a landlord’s deadline is looming. You need a plan, a lender who can execute, and a process that respects your time.

Business Bridging Loans is a Private Lender in Australia and a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra. Our role is simple. We arrange secured business loans that help you meet critical payment dates, including funding lease premiums and key money payments.

Here is how we help you get it done.

We start with your deadline and work backwards

Lease premium funding is a timing problem first. A credit problem second. We focus on what matters:

• When the premium must be paid
• What documents are required before funds can be released
• What security is available
• How you will repay the bridging loan

If you need an emergency solution because settlement is approaching, we structure for speed. In the right scenario, we can support fast, same day settlement or funding within 24 hours. Not every deal qualifies, but we tell you early what is realistic and what is not.

We structure the loan around property-backed security

Lease premiums can be substantial. The cleanest way to fund them quickly is through a secured facility against residential or commercial property. This keeps the focus on asset strength and exit strategy, not lengthy bank-style assessment cycles.

With Business Bridging Loans, you can borrow up to $10 million depending on the security, the location, and the plan to repay.

We are built for urgent settlement scenarios

A bank may be a good option when time is on your side. Lease premiums rarely give you that luxury. When the other party needs certainty, you need a lender who can act like it.

We are used to private lender urgent situations. That includes lease deadlines, business settlement dates, and transactions that require coordination between lawyers, agents, and counterparties. We stay close to the process so you are not chasing three different parties when the clock is ticking.

We keep pricing and expectations straightforward

Cost matters. So does certainty.

Our secured bridging solutions can be priced with an interest rate starting at 9.2% p.a, depending on the risk profile and the structure. You should treat bridging as a short-term tool. The value is in speed, control, and capturing the opportunity. The goal is to use it and then exit cleanly.

We help you plan the exit from day one

A bridging loan is only as good as its exit strategy. We work with you to confirm a realistic path, such as:

• Refinance into a longer-term commercial loan once the lease is secured
• Repay from business sale proceeds or a planned asset sale
• Repay once a bank approval completes or a term facility settles

This is where experience matters. We have facilitated over $500m of loans for urgent settlement needs. That history informs how we stress-test timelines and reduce avoidable friction.

Common situations we can fund

You might use bridging finance for a lease premium payment when:

• You are buying a business and the landlord requires key money at settlement
• You have a sharp rent deal but must pay a premium to secure the location
• You need to act before a competing tenant signs
• Your bank approval will arrive, just not in time

You stay in control of the opportunity. You do not lose the lease due to paperwork delays.

FAQs

1. Can you fund a lease premium quickly if my settlement date is close?

Yes, in suitable scenarios we can support urgent settlement, including fast, same day settlement or funding within 24 hours. Timing depends on documents, valuation needs, and the readiness of your security and legal team.

2. Do you fund key money payments as well as lease premiums?

Yes. We fund lease premiums and key money payments where the transaction is clear, properly documented, and supported by suitable property security and an exit strategy.

3. How much can I borrow for a lease premium payment?

You may be able to borrow up to $10 million depending on the property security, loan structure, and repayment plan.

4. What rates should I expect on a bridging loan for this purpose?

Pricing varies, but we can offer structures with an interest rate starting at 9.2% p.a in appropriate cases. We will explain the total cost clearly, including fees, so you can make a clean decision.

5. Where do you operate and who do you lend as?

Business Bridging Loans is a Private Lender in Australia and a non-bank lender. We operate Australia wide, including Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, and Canberra.