Flexible short term commercial finance for borrowers needing streamlined, practical funding. Whether you are purchasing property, refinancing, or unlocking equity for business needs, our lending solutions are structured to support your commercial objectives.
A short term commercial loan, commonly referred to as a commercial bullet loan or bridging loan, is a property-secured business facility designed to support time-sensitive transactions such as refinances, equity release, bridging needs, or acquisitions.
This loan is available for business or commercial purposes and must be secured by residential or commercial property. Unlike standard commercial loans, it is typically provided for loan terms between 6 months to 3 years and offers interest only repayments, with the principal repaid in a single lump sum at maturity.
Yard offers short term commercial finance to investors, developers and business owners who need streamlined access to capital, have complex finances or require flexibility while transitioning between projects or into long term funding. Assessment focuses on asset position, borrower experience and a clear, viable exit strategy with simplified documentation.
Yard's short term commercial bullet financing provides the ability to move quickly, improve cash flow and secure opportunities that may not align with traditional banking timeframes or policy requirements.
Securing a commercial or investment property within tight timeframes where traditional approvals may cause delays.
Refinancing an expiring loan to allow more time to complete your exit strategy or transition into a long term facility.
Managing timing gaps between transactions, such as buying before selling or moving between projects.
Allowing time for financials, valuations or income positions to stabilise before applying for traditional lending.
Releasing equity from property to support working capital needs, business expansion or new investment opportunities.
A short term commercial loan provides property-backed funding for a fixed period, with loan repayment structured around a planned exit strategy.
Here is how a short term commercial loan typically works:
Yard provides short term commercial finance by using property as security to access funding over a fixed repayment period.
Repayments are interest only for the duration of the facility. Where appropriate, interest, fees and charges may be capitalised for up to 12 months.
The full principal amount is repaid in a single lump sum at maturity, with monthly interest payable throughout the term once interest capitalisation ends.
Loan terms generally range from 6 months to 3 years and are designed to align with a defined exit strategy, such as refinancing, asset sale or project completion.
Our team will guide you through what’s required based on your specific situation. Speak to a Yard Loan Consultant for personalised guidance.
Self-declared income with confirmed exit strategy.
Borrow up to $2.5 million for residential property or $3 million for commercial property.
Interest can be capitalised (added to your loan) for up to 12 months to cover interest repayments.
Loan-to-value ratios up to 70% available.
Loan terms can extend to 3 years.
No annual reviews or valuations.
Alternative income verification options through income self-decalaration.
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We are commercial lending specialists, we understand how business income works and will find a solution for your situation.
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We can help you purchase, build, refinance, consolidate debts or release equity from your property.
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We perform individual assessment on each application to consider your specific circumstances on a case-by-case basis.
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An overview of the potential benefits and risks of short term commercial lending, including how it may support your project transitions and investment strategies.
Pros
Provides streamlined access to funding with interest only terms that support cash flow during time sensitive transactions.
Allows equity release for business or commercial purposes without extensive documentation requirements.
Structured to align with project or investment timelines, allowing you to complete your strategy before transitioning to long term finance.
Cons
Higher interest rates than standard commercial loans, reflecting the short-term nature of the facility.
Requires a clearly defined exit strategy outlining how the facility will be repaid.
Lower maximum LVR compared to standard commercial loans, which may limit how much equity you can access.
Enquire online. A dedicated Loan Consultant will give you a call to discuss your loan requirements and help find the best solution for you.
We verify your information by receiving some supporting documentation. We also perform a valuation on your property.
Our credit team reviews your information and makes an assessment on your application.
Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your short term commercial loan.
Yard offers short term commercial loans with terms generally ranging from 6 months to 3 years, depending on your exit strategy and commercial purpose.
Yes. Yard allows early repayment, although early repayment costs may apply depending on the structure of your facility.
If repayment cannot be made at maturity, you may need to refinance, sell the property or request an extension, subject to lender approval. This is why lenders place significant emphasis on a clear and viable exit strategy throughout the assessment process.
A short term commercial loan can function in a similar way to a bridging loan, but it is structured for commercial purposes. The loan is typically set up on an interest only basis, with interest often capitalised for a period of up to 12 months. The full loan balance is then repaid at the end of the term through a clearly defined exit strategy, such as a property sale, refinance or project completion. A short term commercial loan must be used for a business or commercial objective. This means the security is usually a commercial property, or if a residential property is used, there must be a clear and demonstrable business purpose for the loan.
At Yard, minimum loan amounts generally start from $150,000 for short term commercial loans. However, we can consider specialised circumstances on a case by case basis. Please contact a Yard Loan Consultant to discuss your scenario.
Yes. A short term commercial loan can be secured against a residential property, provided the funds are used for a business or commercial purpose.
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