Start the next job
Fund labour, materials and mobilisation costs before the first contract payment arrives.
Short-term working capital
Bridge the cash-flow gap. Keep business moving.
Access short-term working capital to cover cash-flow gaps, urgent business needs and time-sensitive growth opportunities.
◆ Initial assessment does not guarantee approval.
R20k–R10mAvailable funding range
6–24 monthsTerms vary by lender
Early settlementBenefit may apply
Working capitalFor practical business needs
Could your business qualify?
Check the core starting indicators before completing the enquiry.
Short-term working capital
Match the funding period to the cash-flow gap you need to close.
6–24 months
Terms vary by lender
Funding for the gap in front of you
Act now.
Repay over time.
A bridging loan provides short-term business funding when cash is committed elsewhere or expected revenue has not yet arrived. It can help an established South African business keep trading, fulfil work or move on a time-sensitive opportunity.
01
Cover a temporary timing gap
Maintain operations while waiting for customer payments, contract proceeds or another expected inflow.
02
Move when an opportunity cannot wait
Secure stock, materials or capacity when the commercial return justifies short-term funding.
03
Use a term matched to the need
The amount, repayment period and pricing are assessed around your cash flow, affordability, credit profile and funding purpose.
Working capital with a purpose
Put short-term funding to productive work.
A bridging loan works best when it solves a defined timing need and supports a clear commercial outcome.
Secure stock on time
Purchase inventory when demand, supplier availability or favourable pricing makes timing important.
Protect key relationships
Pay suppliers while customer receipts or another business inflow are still pending.
Keep your team working
Manage a temporary payroll gap without interrupting delivery or losing critical capacity.
Move on an opportunity
Fund a time-sensitive commercial need where the expected return supports the cost of borrowing.
Handle the unexpected
Address a defined operational expense that cannot wait for the normal cash-flow cycle.
A guided application
From funding need
to clear decision.
The assessment considers your business, credit profile, affordability and the short-term need the loan is intended to solve.
1
Submit your application
Tell us about the business, the amount required, the funding purpose and the preferred repayment period.
2
Complete the assessment
Your credit profile, business affordability, discretionary income and supporting information are assessed.
3
Review your offer
If approved, review the loan amount, interest rate, fees and repayment terms before deciding whether to proceed.
Important:
approval depends on your credit profile and the business’s ability
to afford the repayment.
Start the assessment →
Know where you stand
The essentials, upfront.
These are the main starting requirements for a Premier Finance bridging-loan application.
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Registered business or VAT-registered sole trader
The application must be supported by a formally trading South African business.
✓
Trading for at least 1 year
This funding solution is designed for established businesses and is not suitable for start-ups.
✓
R1 million+ annual turnover
This is approximately R85,000 or more in average monthly turnover.
✓
Clear credit and sufficient affordability
Directors require clear credit records, and the business needs enough discretionary income to service the repayment.
Meeting these indicators does not guarantee approval. The amount,
interest rate, fees and repayment terms depend on the business’s
credit profile, affordability and the lender’s assessment.
“A temporary cash-flow gap should not become a permanent brake on the business.”
Used carefully, bridging finance can keep a sound commercial plan moving while the business waits for its next expected inflow.
6–24
Months may be available, depending on the lender, your business profile and the approved funding structure.
Straight answers
Before you apply.
Understand the purpose, affordability and repayment commitment before starting a bridging-loan application.
What is a business bridging loan?
It is short-term business finance intended to cover a defined working-capital or timing gap. It is repaid over an agreed period and should be used where the business can afford the scheduled repayments.
How much can I apply for?
You can apply for business funding from R20,000 up to R10 million. The amount available to your business will depend on its turnover, affordability, credit profile, funding purpose and the lender’s assessment.
What repayment period is available?
The repayment period depends on the lender and your approved funding structure. Some lenders offer terms from 6 months, while others may offer repayment periods of up to 24 months. Your available term will be confirmed with your offer.
What interest rate applies?
Your interest rate is determined after assessing the loan amount, repayment term, business performance, affordability and credit profile. Your offer will clearly show the applicable rate, fees and repayment amount before you decide whether to proceed.
Can a start-up apply?
Bridging loans are designed for established businesses with a trading history and reliable turnover. Your business should generally have operated for at least 12 months, so newly established start-ups will usually not qualify.
What determines approval?
Approval depends on the directors’ credit records, the business’s affordability and discretionary income, turnover, supporting documents and the lender’s complete assessment.
Bridge the gap with clarity
Tell us what your business needs to keep moving.
Complete the initial enquiry and receive feedback on whether a short-term bridging loan may suit your funding need and affordability.
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No obligation
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Guided assessment
✓
Clear next steps