Commercial Bridging Loan

Secure Commercial Capital in Days.

Stop wasting time explaining your complex income structure to rigid bank managers. We secure agile capital for developers and business owners who need to move fast on a deal.

Commercial bridging finance discussion

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Stryve Finance team discussing first home buyer strategies with clients

Commercial Finance, Simplified.

Commercial bridging finance is a specialised short-term funding solution secured against commercial assets, such as offices, industrial warehouses, retail shops, or development sites. Unlike standard term loans that take months to process, this facility provides immediate capital access. For residential bridging options, see our main bridging loans page.

The primary distinction lies in the assessment criteria used by lenders. While mainstream banks typically obsess over historical tax returns and personal serviceability, commercial bridging providers focus predominantly on the strength of the security property and the viability of the exit strategy. This logical approach allows for higher approval rates for self-employed applicants and developers who often struggle with rigid bank policies.

Ultimately, this product delivers the speed and flexibility that modern businesses require to remain competitive. Whether funding a sudden inventory purchase, settling a tax bill, or acquiring a competitor, funds can be released in days rather than weeks. For urgent scenarios, explore our fast bridging loans with settlements from 48 hours.

Strategic Capital for Every Scenario

Agile funding isn't just about buying property; it's about unlocking business growth. Here is where commercial bridging solves problems mainstream banks can't.

Site Acquisition & Development

Site Acquisition & Development

Secure a development site quickly while you finalize DA (Development Approval) or pre-sales. Once the project is "de-risked," we help you transition to cheaper construction finance.

Buying Business Premises

Buying Business Premises

Found the perfect warehouse, office, or retail space? We provide the fast capital needed to secure your own HQ immediately, allowing you to stop leasing and start building asset equity.

Commercial Auctions

Commercial Auctions

Commercial assets often sell at auction or via rapid expression of interest. Our pre-approved funding gives you the "cash-buyer status" needed to snap up undervalued assets before competitors react.

Inventory & Working Capital

Inventory & Working Capital

Need to purchase discounted stock in bulk or cover a temporary cash flow gap? Release equity from your existing commercial property to inject cash into your business operations instantly.

Key Lending Parameters Compared

Commercial finance operates on different risk parameters than standard residential loans. For detailed rate information, see our bridging loan rates guide.

Feature
Residential Bridging
Commercial Bridging
Max Leverage
Up to 80% of property value.
Typically capped at 65% – 70%.
Interest Rates
Lower, standard market rates.
Slightly higher (Risk-adjusted).
Assessment Focus
Personal income & payslips.
Lease income & Asset strength.
Borrowing Entity
Individuals.
Companies, Trusts, & SMSF.
Loan Term
6 – 12 Months.
3 – 12 Months.

Why Business Owners Choose Stryve

Mainstream banks often put self-employed applicants in the "too hard" basket. We specialize in them. Here is how we get complex deals over the line.

Complex Income Experts

Complex Income Experts

We know that a business owner's wealth isn't always reflected in a simple payslip. Whether income is held in trusts, retained earnings, or reinvested back into the company, we know how to present your full financial picture to lenders.

Alternative Documentation

Alternative Documentation

Access lenders who accept alternative verification: BAS statements, business bank statements, or an Accountant’s Letter—so you can move forward without waiting on up-to-date tax returns.

Exclusive Commercial Network

Exclusive Commercial Network

Commercial lending is a relationship game. We give you direct access to private funders and non-bank commercial lenders offering flexible terms and interest-only periods not available to the general public.

Get Expert Advice for Your Business

Let's structure a tailored solution for your commercial needs today.

Speak To Our Broker

What our customers
say about us

Don't just take our word for it. See what hundreds of satisfied clients across Sydney say about their experience with Stryve Finance.

Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.

Whitney Tran

Whitney Tran

Homeowner

I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.

Cristianne Del Valle

Cristianne Del Valle

Homeowner

On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.

Merna Yalda

Merna Yalda

Homeowner

Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.

Julia

Julia

Homeowner

Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.

Christian Barać

Christian Barać

Homeowner

Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.

Justin Tomas

Justin Tomas

Homeowner

It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!

Amber Motii

Amber Motii

Homeowner

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Frequently asked questions

Structure Your Commercial Deal Today.

Speak directly to a specialist who understands complex income structures and can give you an immediate feasibility assessment.

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