Need Short-Term Funding in Singapore? Bridging Finance Can Help.

Running a business in Singapore often means dealing with cash flow timing issues. Whether you’re waiting on a property transaction, a lump sum invoice payment, or delayed investment funds, you don’t always have the luxury of time.

Imagine you’ve found the ideal new office space in Tanjong Pagar, but your current property hasn’t sold yet. Or maybe a major project opportunity has landed—but your capital is tied up temporarily. That’s where bridging finance comes in. It offers fast, flexible short-term funding to help businesses seize opportunities without being held back by timing.

But what exactly is bridging finance? How does it work? And what should you consider before applying? Let’s break it down.

What Is Bridging Finance?

Bridging finance is a short-term loan that gives you quick access to capital while you’re waiting for a confirmed source of funds—such as proceeds from a property sale, incoming investment, or customer payment.

It’s called a “bridge” because it covers the financial gap between now and when your expected funds arrive.

Key Features of Bridging Finance in Singapore:

  • Fast Access to Cash: Some lenders like Bizcap can approve and fund in as little as 24 hours.
  • Secured by Assets: Usually backed by property, commercial real estate, or business equipment.
  • Flexible Use: From real estate deals to working capital needs, it’s a versatile solution for short-term challenges.

How Does Bridging Finance Work?

Here’s how a bridging loan typically functions:

  1. Apply Online
    Share your business details and intended use of funds.
  2. Asset & Exit Strategy Assessment
    The lender evaluates your asset’s value (property, machinery, etc.) and your plan for repayment—this might be a property sale, refinancing, or a large incoming payment.
  3. Fast Approval
    If eligible, you can receive funding in just 1–2 business days.
  4. Use the Funds Immediately
    Whether it's securing an opportunity or keeping operations smooth, you get capital when you need it.
  5. Repay When Your Funds Arrive
    Once your expected cash inflow comes through, you repay the loan (along with interest and fees).

Bizcap’s bridging finance ranges from SGD 5,000 to SGD 500,000, often funded within 24 hours, and with interest rates up to 65% lower than standard secured loans.

Perfect for:

  • Buying property before selling another
  • Paying suppliers while waiting for customer payments
  • Jumping on discounted bulk purchases
  • Funding urgent projects while awaiting IRAS payouts, grants, or investments

What Assets Can Be Used as Security?

Bizcap and other bridging finance providers may accept:

  • Commercial or residential properties in Singapore
  • Business equipment or heavy machinery
  • Land parcels (depending on development potential)

The type and value of your asset can affect how much you can borrow and the rate you're offered.

What are the benefits of Bridging Finance?

  • Quick Capital Access: Ideal when timing is critical.
  • Flexible Repayment Terms: Repay when your expected funds arrive—no fixed monthly payments.
  • Business Opportunity Ready: Act on time-sensitive deals without delay.
  • Cash Flow Management: Keep your business running smoothly during temporary financial gaps.

What are the risks to consider?

Bridging loans are powerful—but like any financial product, they come with some risk:

  • Higher Interest Rates: As a short-term solution, they’re typically more expensive than long-term loans.
  • Repayment Risk: If your expected funds are delayed or fall through, you’ll still need to repay on time.
  • Secured Against Assets: Failure to repay could result in the loss of the asset used as collateral.

Tip: Always ensure you have a clear and reliable exit strategy before applying.

Eligability Criteria for Bizcap’s Bridging Loans (Singapore)

To qualify, you’ll need:

  • An active UEN
  • Ownership of a property
  • A clear plan for repaying the loan (property settlement, incoming payment, refinancing, etc.)

Even if you have other loans or an imperfect credit score, Bizcap takes a flexible approach—focusing on your revenue and ability to repay.

Final Thoughts

Bridging finance isn’t for everyone, but when used wisely, it can be a game-changer. It’s fast, flexible, and can help businesses navigate financial gaps without missing opportunities.

Thinking about bridging finance? With Bizcap’s bridging finance you can plug cash flow gaps at heavily reduced rates. Apply Now.

‍