Rating based on 21 reviews

Bridging Finance

  • Personal loans up to R250,000
  • Low-interest starting from 15%
  • Repayment up to 60 months

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Author Bridging Finance. Screenshot of Bridging Finance website.
[Accessed May 13, 2018]

Bridging Finance - A unique approach to getting money now

Bridging finance is a money-advancing service. We will lend you money right now, for the money that is owed to you in the future.

Have you just sold your property or cashed out your pension fund? Technically, you have the money – but the money could take a while before it appears in your bank account. We will lend you the money you need until your funds are available for you to access. 

Our Security

We are taking a risk by lending you the money on a guarantee or a promise that you have the funds available, you are just not able to access them as yet.

However, if things go wrong or you encounter a problem along the way, we as your bridging finance company don’t want to lose out and we need to make sure we are covered. For this reason, you will need to guarantee and provide security to prove that you can compensate/ reimburse your personal loan.

The repayment

You will need to be able to convince us that you are able to repay the loan and have an “exit strategy” you will need to prove you are able to settle the loan amount that you have been advanced.

How it works

Once you have specified which bridging loan you would like to apply for, you will need to fill in the online loan application. Carefully select the correct category and click, apply here.

Fill in your details as required. Be extra careful when you are selecting your category because if you enter the incorrect information per category – your application will be declined immediately.

If the credit provider is able to assist you, they will make contact with you. However, if you do not hear from the relevant credit provider you should consider your application as declined. 

We bridge the gap between your payments

We have different types of bridging loans available, in each case, an asset or guarantee will need to be put in place to secure payment.

The main categories of business and personal loans we will assist with fall into the following fields

  • Property
  • Business
  • Guarantees
  • Personal

Bridging loan using loose assets 

A loose or movable asset can be used to secure your long or short-term loan. These assets are non-property assets these can include assets such as gold, diamonds, cars, trucks, insurance policies (with savings) airplanes, and other equipment.

These must be valued over R50 000 up to R50 million or more. The lender will then store the asset in a secure warehouse until the full amount has been repaid. The asset will remain the property of the lender until the loan has been repaid in full. 

Endowment policy loans

Endowment policies such as your pension policy, provident fund, retirement annuity, or investment can be used as a bridging advance as long as they are set to mature within the next 4 months and make up a portion of the funds owing to you.

These policies must be with a reputable company such as Sanlam and other industry leaders.

Estate agents commission bridging

If you are in the business of buying and selling houses, you will know how horrible it is to have to wait for your commission for 2 months or more. We can bridge the gap by offering you quick finance by advancing you on your commission.

Bridging Finance – Personal loan

  • Loan Type Personal loans
  • Interest Rate 1527% p/a
  • Loan Amount up to R250,000
  • Repayment 12 months to 60 months

Benefits of Bridging Finance

  • Get a loan in 3 easy steps
  • Expert bridging finance

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Bridging Finance - when you need money now

Once you have signed all the relevant documentation, we will be able to advance you up to 80% of the approved bond amount if you should, you are switching your bond, or if you have been granted a second bond.

Pension bridging finance

This type of bridging finance is available once you have resigned, been retrenched or been fired from your current employment. You will need to let them know you will not be able to continue making payments towards your pension fund; you will then be given the option to cash in your pension fund. This can sometimes take a while to payout. In this case, you can use this as a guarantee to get a bridging loan until the funds are available.

Road accident fund

If you have been involved in a road traffic accident then claimed against the Road Accident Fund (third party claim) and your claim has been approved by the court or RAF then you will be able to access up to 80% of the RAF money owing to you.  Once you have applied, we will call you and offer you a deal. Once you have accepted the quote and signed the agreement you can expect the money in your account within 24 hours.

You won’t be charged any additional fees up-front; we will only collect once your claim has been paid out to you. This kind of bridging personal loan is ideal as you won’t be turned away, not even if you have been blacklisted and we don’t run any credit checks or charge an application fee.

Property secured finance

This kind of bridging loan uses your property as equity to secure your loan. We will then give you an advance using your property as security for the loan. In this case, there are a few strict conditions.

  • The loan taken must be for at least R250,000
  • Your property must not have a bond attached to it
  • Your equity must be at least R 500,000
  • You must list reasons  why you need the loan
  • You must be able to repay the loan within 24 months
  • You will have to use a legal borrower

Contact us

All inquiries that we receive will automatically be re-directed to a specialist credit provider, unfortunately, we are only a facilitation service and cannot provide any advice to our clients. Only if your application is successful will we be paid a fee by the lender, this amount will be included in your loan agreement.

Customer Reviews & Testimonials

December 2018

Bridging Finance ensured that I get a loan I can afford to pay without complicating my budget.

Dimakatso M
— Potchefstroom —

February 2019

If you looking for a credit provider that responds in the quickest turnaround time, Bridging Finance is your best shot.

Radon N
— Durban —

January 2019

Thanks to Bridging Finance, I was able to attend to my financial emergency on the same day I applied for credit.

Thato M
— Limpopo —

Bridging Finance Contact

Contact Number



Physical Address

Postal Address

  • PO Box 1583, Wandsebeck, 3631, South Africa

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed