Settlement gap
Complete an eligible commercial purchase or obligation while a verified longer-term facility is finalised.
Short-duration business finance for eligible transactions where the use of funds, deadline, milestones, total cost and repayment event can be evidenced before settlement.
The predominant use of funds must be genuine, documented and compatible with lender policy.
Complete an eligible commercial purchase or obligation while a verified longer-term facility is finalised.
Fund stock, labour or supplier costs against an evidenced business contract and cash-flow plan.
Refinance eligible commercial debt where a credible medium-term exit is already in progress.
Use eligible security for a defined business event, subject to accepted value, ranking and due diligence.
Timing-gap discipline
Short-term business finance should connect a defined commercial need to a realistic repayment event. The assessment is strongest when the amount, deadline, evidence, security position and fallback plan can be verified together.
Set the exact amount, business purpose and date the funds are genuinely required.
Show trading evidence, current commitments, available security and the complete cost position.
Compare net usable funds, repayment frequency, term, fees, conditions and guarantees.
Document the sale, refinance, receivable, contract income or other credible repayment event.
Cash-flow pathway
May suit a defined business need where verified trading capacity supports the proposed repayment without a property mortgage.
Asset-backed pathway
May support a larger or more complex requirement where acceptable property or other assets are available and the exit is credible.
Scenario matrix
These pathways are a comparison framework, not an offer or approval guide. The appropriate structure depends on the verified transaction and lender criteria.
| Commercial scenario | Timing trigger | Possible structure | Critical evidence | Repayment or exit |
|---|---|---|---|---|
| Settlement gap | A contracted acquisition must settle before longer-term funding or another transaction completes. | Short-term secured or unsecured structure, depending on amount, capacity and available security. | Executed contract, settlement statement, funding shortfall and current debt position. | Documented refinance, asset sale or other verified take-out. |
| Contract mobilisation | Upfront labour, equipment or supplier costs arise before contracted revenue is received. | Working-capital term facility or line of credit subject to lender assessment. | Executed contract, cost schedule, margin, delivery timetable and cash-flow forecast. | Contract receipts, operating cash flow and a contingency if timing changes. |
| Maturing debt | An existing facility is approaching expiry before the permanent refinance is ready. | Interim refinance or bridging facility with a tightly defined term. | Current payout, refinance progress, valuation, conduct and outstanding conditions. | Approved refinance or another credible repayment path—not an open-ended extension. |
| Stock or supplier opportunity | A time-sensitive order or inventory purchase requires capital before the normal cash cycle. | Unsecured working capital, receivables finance or secured finance where appropriate. | Purchase orders, supplier invoices, stock movement, margins and trading history. | Sales receipts and demonstrated capacity after existing commitments. |
| Property-backed bridge | Business capital is required against eligible property for a defined short-term purpose. | Short-term property finance, first mortgage, second mortgage or caveat-based structure where suitable. | Title, valuation, existing payout, requested ranking, use of funds and legal due diligence. | Sale, refinance, project completion or another independently supportable exit. |
General information only. Availability, amount, pricing, term, repayment frequency, security and documentation remain subject to assessment and lender criteria.
Purpose, amount, timing, borrower, cash flow, security and repayment source.
Identify documents, gaps, risks and the facts a lender must verify.
Compare term, security, repayment profile, total cost and lender fit.
Coordinate approval, due diligence, documents and settlement conditions.
It is business-purpose finance with a limited term, used for a defined commercial need and repaid from an evidenced source such as refinance, sale or business proceeds.
Terms vary by lender and product. The requested term should allow enough time to complete the primary exit plus realistic contingency.
Up to 80% LVR may be considered only for selected eligible property-backed first-ranking scenarios. Many short-term facilities require lower leverage.
It may support an application when grounded in contracts, trading evidence and cash-flow timing, but uncertain projections alone may not be sufficient.
Compare interest, establishment and line fees, valuation, legal costs, broker or advisory fees, exit fees, default pricing and net usable funds.
No. A complete file can improve efficiency, but approval and settlement depend on assessment, due diligence, documentation and cleared conditions.
Share those facts so we can identify the information required for a meaningful assessment.
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Email: info@basicfinanceloans.com.au
Use our contact form to share the funding amount, business purpose, required timing, available security and proposed repayment strategy.