BRIDGE FINANCING

Short-Term Bridge Loans for Property and Business Transactions

Bridge the gap between property purchase and long-term financing. Quick sanction for developers, investors, and business owners needing temporary capital between two financial events.

From 12%

p.a. Interest

6–24 Months

Tenure

Quick

Sanction Process

Bridge Loan Snapshot

Loan AmountRs.2 Crores

Interest Rate12.5% p.a.

Tenure12 Months

RepaymentBullet / structured

PurposeProperty purchase

KEY FEATURES

What Makes Bridge Financing Useful?

Seize Time-Sensitive Opportunities

Property deals, business acquisitions, and investment opportunities often require quick capital before long-term financing is arranged. Bridge loans provide that speed.

Flexible Short Tenure

Bridge loans are designed for 6 to 24 months. You repay the entire amount once your long-term financing (home loan, sale proceeds, investment return) materialises.

Bullet Repayment Option

Pay only interest monthly and repay the full principal at the end of tenure. Reduces monthly cash outflow during the bridge period when you may be managing multiple financial obligations.

Residential and Commercial Properties

Finance purchase of residential properties, commercial offices, warehouses, or land parcels pending long-term mortgage or equity funding.

Lender Agnostic

We compare bridge loan offers from specialised NBFCs and private banks who understand the urgency and structure of bridge transactions.

Simple Exit Strategy

Bridge loans are structured around a clear exit — existing property sale, disbursement of a home loan, equity raise, or liquidation of investments. We help structure the repayment plan.

ELIGIBILITY

Bridge Loan Eligibility

Primarily used by property buyers, developers, and business owners with a clear repayment event within 24 months.

✓Resident Indian — salaried, self-employed, or business entity
✓Clear purpose: property purchase, business acquisition, or gap funding
✓Defined exit strategy — long-term loan approval, asset sale, or equity infusion
✓Existing property or other asset as collateral for the bridge loan
✓CIBIL score of 700+ for most lenders in this segment
✓Minimum loan ticket size Rs.25 lakhs (varies by lender)

Documents Required

✓PAN and Aadhaar (all applicants)
✓Income proof — ITR / salary slips for 2 years
✓Details of existing property to be pledged as collateral
✓Documents of property being purchased (sale agreement)
✓Evidence of exit event — loan in-principle approval, sale agreement of existing property
✓Bank statements — 12 months

THE PROCESS

How It Works

Explain the Transaction

Tell us the property you are buying, the collateral you are offering, and the expected timeline for your exit. A clear story speeds up lender approval.

Lender Matching

Bridge loans are a specialist product. We connect you with NBFCs and private lenders who have experience with these structures and can sanction quickly.

Property and Legal Due Diligence

Lender verifies both the collateral property and the target property. Given the short tenure, this is done in a compact timeline of 5–7 days.

Disbursal and Completion

Funds are disbursed directly to the seller or your account as applicable. Exit repayment is tracked and we stay in touch to facilitate the transition to long-term financing.

Frequently Asked Questions

Who should use a bridge loan?

Bridge loans are ideal for homebuyers who have found a new property before selling their existing one, property developers who need construction funding before a bank loan activates, and business owners completing an acquisition before equity or debt funding closes. They are a bridge — not a long-term solution.

How is a bridge loan different from a regular home loan?

A bridge loan is short-term (6–24 months), carries a higher rate than a home loan, and is typically structured with bullet or interest-only repayment. A home loan is long-term (up to 30 years) with EMI-based repayment. Bridge loans solve an immediate liquidity gap while a long-term arrangement is secured.

What happens if I cannot repay the bridge loan on time?

Lenders generally allow one extension if you can demonstrate that your exit event is delayed but certain. A typical extension cost is 1–2% additional interest per month. If the loan cannot be repaid, the lender may invoke the collateral pledge. We structure the exit plan carefully to avoid this scenario.

Is the interest rate on bridge loans negotiable?

Bridge loan rates depend on the collateral quality, LTV, borrower profile, and tenure. Rates typically range from 12–18% p.a. With our lender network, we negotiate the best rate for your transaction profile and bring multiple competing offers for you to compare.

Can a bridge loan be used for business acquisitions?

Yes, bridge financing is commonly used for business acquisitions where the acquirer needs to close the deal quickly before long-term business loan or PE funding arrives. The bridge is secured against the target company's assets or the acquirer's existing property.