A new premises can be a turning point for your business. Better foot traffic. More space. A stronger brand presence. But the timing is rarely perfect. Fitout invoices land before revenue ramps up. Lease deadlines don’t wait for your cash flow to catch up. And you can’t open the doors until the work is done. Contact us today if you’re ready to move forward.

Why bridging finance suits a new location fitout

A fitout is a classic timing gap. You may have strong underlying wealth, equity, or incoming funds. But you still need cash now to secure the site and complete works.

Bridging finance is designed for that gap. It is short-term funding, secured against property, that can be arranged faster than many traditional options. It gives you breathing room while you finalise longer-term finance, settle a sale, refinance, or wait for business cash flow to catch up after opening.

Common fitout and establishment costs bridging finance can cover include:

• Builder and trade progress payments
• Joinery, fixtures, signage, flooring, lighting
• Equipment purchases and installation
• Bond, rent in advance, and make-good costs
• Professional fees tied to opening a new site

The practical benefits are simple:

• Speed when the opportunity is time-sensitive
• Certainty when you have an urgent settlement or immovable start date
• Flexibility when a bank timeline does not match a commercial reality
• Control so you can open sooner and start generating revenue

If your priority is momentum, bridging finance can be the difference between “we’ll open in three months” and “we’re open and trading.”

Where fitout funding usually breaks down

Even strong businesses get stuck here. Not because the deal is bad. Because timing and process get in the way.

You might be dealing with:

• A landlord pushing for deadlines on access, incentives, or lease execution
• A builder requiring deposits and staged payments on strict dates
• A bank approval process that moves at its own pace
• Cash tied up in another property, refinance, or settlement
• An unexpected cost blowout that needs an emergency solution

When this happens, the risk is not just financial. Delays can cost you staff, customers, and credibility. This is why private lending exists in the market. Not to replace banks. To bridge the gaps banks often cannot serve.

How Business Bridging Loans helps you fund a new location fitout

You want speed, clarity, and a lender who understands real timelines. That is exactly how we operate.

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. We structure secured business loans that are built for time-sensitive outcomes, including fitout and establishment funding.

We move quickly, without losing discipline

Fitouts are deadline-driven. So our process is built around fast decisions and clean execution. If you have an urgent settlement or a genuine emergency timeline, we focus on what matters: security, exit strategy, and a clear funding plan.

Depending on your scenario, we can support outcomes such as funding within 24 hours. In some cases, we can also support fast, same day settlement where the deal is ready and due diligence is complete. If you are searching for a private lender urgent solution, we are set up for that pace.

We fund serious projects, not just small top-ups

A new site can be capital intensive. We can structure facilities where you can borrow up to $10 million, subject to the security and the merits of the transaction. That means you can fund a full fitout, not just patch a gap.

We keep pricing transparent

Cost matters, especially when the loan is short-term. We structure loans with clear pricing, including an interest rate starting at 9.2% p.a in suitable scenarios. Your actual rate and terms will depend on the security, the loan-to-value ratio, and the complexity of the deal. We will tell you what is realistic early, so you can decide quickly.

We structure around your real exit, not a generic template

Fitout bridging is rarely standalone. It usually sits inside a broader plan. Common exits include refinancing to a longer-term facility, selling an asset, or clearing the loan once business cash flow stabilises after launch.

Our role is to stress-test the exit with you and structure the loan so it is fit for purpose. That is how you avoid the trap of “easy money now, hard problem later.”

We coordinate the moving parts

Fitout funding often involves multiple stakeholders: solicitors, brokers, valuers, builders, landlords, accountants. Your time is limited, and the window is short.

We coordinate the process to reduce friction. We confirm the numbers. We align timing. We keep communication direct. This is where experience matters. We have facilitated over 500 strategic commercial loans, and we know how to keep transactions moving when deadlines are non-negotiable.

When a secured bridging loan is the right fit for your new site

Bridging finance tends to suit you when:

• The opportunity is strong, but timing is tight
• You have property security and a clear exit path
• The cost of delay is higher than the cost of short-term funding
• You need to act before a bank process can realistically complete

If that sounds like your situation, a secured bridging loan can fund the fitout and establishment phase, then step out of the way once longer-term funding or your exit is in place.

FAQs

1. Can bridging finance cover both fitout and establishment costs?

Yes. It can cover the fitout as well as related establishment costs such as initial setup expenses tied to opening the new premises, subject to the overall loan structure and security.

2. How fast can you fund a new location fitout?

If your scenario is straightforward and documents are ready, funding within 24 hours may be possible. In select cases, fast, same day settlement can be achieved. Timing depends on valuation, legal work, and transaction readiness.

3. What security do you require for fitout bridging finance?

Our secured business loans are secured against residential or commercial property. We assess the property, equity position, and your exit strategy.

4. What loan size and pricing should I expect?

Loan sizes can be structured up to where you can borrow up to $10 million, depending on the deal. Pricing can start from an interest rate starting at 9.2% p.a for suitable scenarios, with final terms based on risk and structure.

5. I have an urgent settlement deadline. Can you still help?

Yes. This is a common reason clients use a non-bank lender and private lender urgent solutions. If you have an urgent settlement or emergency timeline, we can assess quickly and tell you what is achievable and by when.