Every short-term private loan needs an exit — the plan for how the principal gets repaid when the term ends. Without a credible exit, even a low-LVR loan against high-quality security is a problem in waiting.
Common exits: sale of the security property (or another asset already under contract), refinance back to a major bank once income or conduct stabilises, completion of a development, settlement of a separate transaction that releases cash.
Archer Wealth's credit team underwrites the exit before the entry — meaning the loan is sized and structured to the documented exit, not just to the current security value. A bridge with a 9-month term needs an exit that's evidently feasible inside 9 months.
Exit risk is the single most-watched metric on most private credit files. A weak exit (vague refinance plan, optimistic sale price, dependence on a planning approval that hasn't been granted) can sink an otherwise clean file.