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.