As we know, bridging loans are vital short-term financial tools that can provide peace of mind and confidence to property investors, homeowners, and business owners. They offer quick access to funds, help clients bridge cash flow gaps during property transactions, renovations, or development projects, and ensure their plans stay on track.

While almost everyone notices the announcement of a new completed loan on social media (for example), the effort behind the scenes is often overlooked. The complex processes involved in securing and managing these loans can be very intricate and time-consuming, especially when deadlines are tight or the collateral is spread across multiple properties. Short leases, unexpected development costs, or legal issues, to name a few, can all increase the complexity of the application process.

Much of the effort is often carried out by case managers, loan administrators, legal teams, and conveyancers, among others. Marketing and business development professionals tend to highlight the size of the loan (the bigger, the better) or the speed at which it is processed. Still, we rarely mention the late nights, missed lunches, working while on leave, and the constant juggling of priorities necessary to close the deal, which our key team members do so diligently in the background.

Lenders usually assess credit histories, income streams, and the property’s market value, often working with legal and financial experts to prepare the required documentation efficiently and effectively.

At Inflow, we prefer to understand our clients’ stories and goals, rather than just ticking boxes, which enables us to offer solutions that genuinely align with their aspirations. We invest time upfront to understand the complexities of the loan, ensuring our experts have a thorough understanding of the case when issuing terms. This extra step or two is something we willingly take to ensure the loan is right for the client. So, when the terms are then issued, no credit committee or approval team needs to sign off on the details and potentially make adjustments to the terms.

Throughout the process, we prioritise complete transparency, offering continuous monitoring to give our clients peace of mind during the loan process and throughout the term. And should things not go according to plan and the loan exit (with Inflow or other lenders) becomes problematic, Inflow is prepared to review the situation. We could then offer additional financing (re-bridging) to help avoid penalties, extra charges or defaults.