Short-Term Property Finance
Short-term property finance provides flexible funding for renovation, property trading and time-sensitive opportunities that require speed, structure or a defined exit strategy. Traditional lending is not always suited to shorter timelines, transitional funding or value-add opportunities.
At Vive Capital, we help structure short-term funding for property purchases, renovation projects and bridging scenarios. These facilities are typically designed to support a clear exit such as a sale, refinance or project completion.
How short-term property finance works
Short-term property finance is typically structured around the asset and exit strategy rather than long-term servicing. The facility is usually designed to be repaid through a sale, refinance or project completion within a defined timeframe.
Non-bank and short-term lenders generally focus on the equity in the deal. The amount available is typically driven by the deposit contributed, existing equity and the strength of the exit strategy. These facilities are often interest-only, with interest commonly capitalised or funded as part of the overall structure.
Borrowers are usually expected to contribute sufficient equity to cover costs, risk and market movement. This may include allowing for capitalised interest, fees and contingency within the structure.
When short-term property finance is used
Short-term property finance may be suitable for a range of scenarios where transitional funding is required. This often includes property trading or renovation projects, where a property is purchased, improved and sold within a defined period.
It may also be used for bridging between transactions, acquiring development sites, holding residual stock or funding time-sensitive opportunities. In these situations, the focus is typically on the asset, available equity and a clear exit strategy.
What lenders look at
When assessing short-term property finance, lenders usually consider the strength of the property and the proposed exit. This includes the purchase price, expected value, timeline and available equity.
They will also consider the borrower’s experience, the marketability of the property and whether there is sufficient buffer to cover interest, costs and potential delays. A clear and realistic exit strategy is one of the most important factors.
Talk to us early - when to look into short-term lending
It’s best to review short-term property finance early, particularly where timing, equity or exit strategy are important. This allows the structure to be assessed before committing to a purchase or value-add opportunity.
We can help when you're assessing a renovation project, considering a property trading opportunity, bridging between transactions or securing a time-sensitive purchase.
Early planning helps confirm available funding, equity requirements and the feasibility of the exit strategy.
Discuss your project
If you're assessing a property opportunity requiring short-term funding, we can help structure finance around the deal and exit strategy.