Property Finance
Short-Term Loans
(3–24 Months)
Quick access to capital for time-sensitive commercial property opportunities across New Zealand.
When to Consider Short-Term Financing
Short-term commercial property loans are designed to provide quick access to capital when traditional financing options aren't suitable due to timing constraints or when you need to capitalize on immediate opportunities. Our commercial bridging loan and commercial auction finance guides cover the mechanics — open vs closed bridging, capitalised interest, 72-hour auction settlements, and exit strategies — in more depth.
Our short-term loans are ideal for:
Bridging Finance: Cover funding gaps between property purchases and sales
Auction Purchases: Secure quick funds for auction opportunities
Business Expansion: Finance inventory purchases or equipment acquisitions
Property Renovations: Fund upgrades to increase property value
Debt Consolidation: Simplify multiple loans into one manageable payment
Unlike traditional banks, we focus on the value of your property assets rather than complex financial history, making approvals faster and more accessible for business owners.
Why Choose Our Short-Term Loans
Fast Approvals
Indicative terms issued within 24–48 hours, with disbursal in as little as 72 hours.
Flexible Terms
Bespoke interest-only structures tailored perfectly around your timeline parameters with absolutely no hidden early exit fees.
Asset-Backed Lending
Capital injections completely structured against New Zealand commercial, industrial, or residential land equity portfolios.
How It Works
Our Fast-Track Pathway to 72-Hour Disbursal
Every operational hour counts when a transaction window closes. Here is exactly how we deliver capital execution.
Direct Scenario Triage
Your scenario goes straight to Kundan Singh's desk for live metric assessment. We analyze the baseline security value instantly without committee pipeline delays.
Indicative Terms Issued
A formal, clear Letter of Intent (LOI) is issued straight to your channel, breaking down precise LVR parameters, transparent pricing metrics, and clear exit criteria boundaries.
Legal Execution & Disbursal
Documents are finalized through our dedicated legal networks, moving your funding directly from approved compliance confirmation into raw capital account settlement.
Who It's For
When Every Hour Counts: Scenarios We Fund
Bypassing standard multi-month bank delays to solve critical property timeline constraints safely.
Auction & Short-Settlement Constraints
Protecting structural purchase deposits when your primary bank fails to fulfill terms within strict 14-to-28 day unconditional auction windows.
Consent & Planning Bridge Tracks
Holding strategic commercial parcels securely while working drawings, civil design planning reviews, or council resource consents scale into final compliance.
Equity Release & Capital Deployment
Releasing liquidity profiles out of operational real estate asset values in under 48 hours to clear immediate balance sheet commitments or tax liabilities.
Free Calculators
Check the Numbers on Your Deal
Model interest-only repayments, test your borrowing limit, and check the yield on the property you're bridging into.
Commercial Loan Calculator
Repayments, LVR and total interest on a commercial property loan — principal & interest or interest-only.
Open calculatorCommercial Property Borrowing Calculator
How much you can borrow against a commercial property, and the deposit you need, once LVR and rent cover are tested.
Open calculatorCommercial Property Yield Calculator
Gross yield, net yield (cap rate) and an estimated value for a commercial property from its rent and outgoings.
Open calculatorFAQs
Frequently Asked Questions
How are your interest rates determined?
Interest rates depend entirely on the security position layout, LVR percentage tier, and asset classification parameters. Because we execute custom private capital structures, pricing metrics are custom-modeled to reflect the unique profile details of each transaction asset. Terms are transparently finalized inside your initial 24-hour indicative layout packet.
What documentation do I need to apply?
Our focus is centered on asset equity validity over historical balance sheets. To deploy funding verification parameters quickly, we require standard NZ identification details, absolute asset ownership titles, verified purchase contract parameters (if acquiring), and an explicit, realistic exit track description blueprint.
Can I capitalize interest instead of paying monthly?
Yes. For multi-unit developments, land upgrades, or urgent bridging transactions lacking current fluid monthly operational cash flows, we can easily capitalize the entire interest calculation framework across the 1-to-12 month runtime schedule. This preserves client liquid runway capital to speed up project execution.
Facing a Tight Settlement Deadline?
Get your scenario in front of Kundan Singh today and receive indicative terms within 24–48 hours.
- Funding requests from $50,000 to $10,000,000+, deployed across flexible 3–24 month terms.
- Security is asset-backed by commercial, industrial, or residential property located inside New Zealand.
- Time-critical scenarios — auctions, settlement gaps, and equity release — funded in as little as 72 hours.