Interim & bridge finance

When capital has to be there in days, not weeks.

A buying opportunity doesn’t wait for the bank process. An interim or bridge financing bridges the time until end financing or the sale proceeds — short-term, against sound security and with a repayment route that is clear from the start. As a loan, under §34c GewO.

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What a bridge is built for

Bridge capital solves exactly one problem: a gap in time between a need for money now and a secured inflow of funds later. Typical triggers:

Buy before sell

You want to buy before the old property is sold or the end financing is in place — the bridge spans the gap until the funds arrive.

Liquidity squeeze in the project

A delay must not stop the project. Short-term capital secures completion and thus the sale proceeds.

Meeting deadlines

Notary appointment, an option expiring, a payment deadline: when a date is fixed, speed counts more than the last interest point.

Speed has a price — and rules

Bridge capital is more expensive than end financing, because it is provided fast, short and at higher risk. That is no disadvantage as long as the maths works out: the extra cost of the bridge must be smaller than the value of the opportunity you secure with it.

Feature	Interim / bridge finance
Term	short — months to at most a few years
Security	a sound property, usually a first-ranking land charge
Cost	higher than end financing, but available fast
Prerequisite	a clear, demonstrable repayment route (exit)

The exit is mandatory, not optional. No reputable lender provides bridge capital without a plausible repayment route — sale, end financing, or an inflow of funds from another source. I always structure the bridge together with its ending. Brokered as a loan under §34c GewO.

How fast is fast?

With clean documentation and sound security, commitments within a few days to weeks are realistic — a classic bank process often needs months for the same. Preparation makes the difference: anyone who supplies the right documents immediately and shows a clear exit gets speed. That is exactly where I guide you.

Frequently asked questions

Is a bridge financing the same as a subordinated loan?

No. A bridge is usually a first-ranking secured, short-term loan — that I broker under §34c GewO. A subordinated loan is an equity-like, subordinated component; that runs via licensed partners, not via me.

What if my sale takes longer than planned?

That is exactly why I build buffers and extension options in from the start. A realistic time frame for the exit is part of every reputable bridge structure — wishful thinking about the sale date is the most common mistake.

Do I need a bank for this?

Not necessarily. Besides banks, debt funds and specialist financiers also provide short-term capital — often faster. I choose the source that fits the speed, term and security of your case.

What does your advice cost?

The first check is free for you; I am remunerated by the financing house. For very individual mandates a fee agreement can make sense — we discuss that transparently in advance.

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Describe your situation to me

Message me on WhatsApp or book a 30-minute call. The first check of your plan is free.

When capital has to be there in days, not weeks.

What a bridge is built for

Buy before sell

Liquidity squeeze in the project

Meeting deadlines

Speed has a price — and rules

How fast is fast?

Frequently asked questions

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Describe your situation to me