Bridging finance is short-dated debt used to cover a timing gap. The classic scenario: a borrower has an existing property they're selling and a new property they're buying, with the purchase settlement landing before the sale settlement. Bridging covers the shortfall until the sale completes.
Other bridging scenarios: refinancing out of an expiring construction facility, settling a development site before a separate equity raise lands, holding a property through a planning approval ahead of a sale.
Archer Wealth's bridging product (Archer Flex) typically runs 1–9 months at up to 70% LVR. The loan is sized to the documented exit, not the acquisition value — the lender is underwriting the certainty and timing of how the loan gets repaid, not just the value of the security.
Interest is usually capitalised (added to the loan balance and paid at exit) rather than serviced monthly, so the borrower doesn't carry a cash-flow burden during the bridge.