Capital Bridging Finance

What Capital Bridging Finance does

Capital Bridging Finance is a privately held Australian non-bank lending firm founded in 2015 by Damien Simonfi, headquartered in Port Melbourne, Victoria, with a second office in Robina, Queensland. The company provides short-term bridging finance and related lending products — including commercial finance, residential bridging, development finance, ATO debt, cash flow, urgent funds, and debt consolidation — in loan sizes ranging from A$50,000 to A$5,000,000, with indicative interest rates from 1.2% per month. Its core service proposition is speed: 48-hour settlements on approved loans, same-day pre-approval for qualifying applications, and direct access to decision-makers without formal external valuations, addressing timing-driven use-cases that traditional bank lending cannot accommodate.

The firm operates a broker-first distribution model with commission protection (no clawbacks) and a dedicated Head of Broker Partnerships, supplemented by direct applications via its website and a 1300 phone line. Underlying technology is conventional for the non-bank lending sector: in-house credit assessment, internal or hybrid property valuations, and bespoke loan structuring with no disclosed proprietary platform, API, or AI capabilities. The company holds Australian Financial Services Licence No. 512904 and Australian Credit Licence No. 484197, and is an AFCA member.

Revenue is generated primarily from interest income on deployed loan balances, with ancillary per-loan fees of approximately A$3,000 (non-refundable application/inspection) and A$2,000 (legal), plus broker referral commissions. The customer base spans residential property owners, commercial and industrial borrowers, property developers, small businesses, and high-net-worth individuals. Strategic positioning over 2025–2026 has emphasised category leadership (WeMoney 2026 Short-Term Specialist Lender of the Year), industry event sponsorship, and brand-building via industry awards, alongside the addition of an "Invest" page that signals intent to attract external capital to scale the loan book.

Name

Capital Bridging Finance

Legal name

Capital Bridging Finance

Website

https://cbfinance.com.au

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Capital Bridging Finance is a privately held Australian non-bank lender founded in 2015 that provides short-term bridging loans (A$50K–A$5M) to residential, commercial, industrial, and development borrowers across Australia, distributed primarily through mortgage brokers and direct applications.

Ownership category

akta.pro rank

Product category

Bridging Finance

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Bridging finance
• Short-term lending
• Private mortgages
• Commercial lending
• Private credit

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Interest Income on Bridging Loans: The primary revenue stream is interest charged on short-term bridging loans. Loans range from $50,000 to $5,000,000 with indicative rates starting from 1.2% per month (approximately 14.4% per annum). Interest can be capitalised, prepaid, or paid monthly. This is the core income source underpinning the business.
2. Inspection / Application Fee: An inspection and application fee of approximately $3,000 is charged per loan. This fee is non-refundable and covers the cost of reviewing the application, credit checks, and in-house valuations.
3. Legal Fees: Legal fees of approximately $2,000 are charged per loan to cover legal documentation and settlement costs.
4. Broker / Referrer Fees: Broker/referrer fees are paid at settlement to brokers who introduce clients. Commission protection with no clawbacks is offered to incentivise broker referrals.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

Capital Bridging Finance is a private, boutique Australian lending firm providing short-term bridging loans ranging from $50,000 to $5,000,000 secured by 1st and 2nd mortgages on residential, commercial and industrial property. The company delivers tailored, in-house assessed loans (no formal external valuation required) with 48-hour settlement across eight product lines including commercial finance, residential bridging, development finance, ATO debt, debt consolidation, urgent funds, cash flow, and 1st & 2nd mortgage loans. Funding is available Australia-wide and is distributed primarily through mortgage brokers and a direct application channel.

Product overview

Capital Bridging Finance operates as a unified platform offering short-term bridging finance solutions rather than a modular architecture. The core offering consists of 1st & 2nd Mortgage Loans ranging from $50,000 to $5,000,000, supported by seven specialized loan products: Commercial Finance, Residential Bridging Finance, Development Finance, ATO Debt, Debt Consolidation, Urgent Funds, and Cash Flow. These products share common features including 48-hour settlements, flexible terms (minimum 1 month to 1 year), and LVR parameters up to 80% for commercial/industrial and 75% for residential properties. The unified platform approach provides Australia-wide funding with a streamlined process that does not require formal valuations.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Finance Short-term bridging loans for commercial property and business purposes, providing fast access to capital for commercial property acquisition, refurbishment and time-sensitive business opportunities. Targeted at commercial and industrial borrowers.
• Residential Bridging Finance Short-term loans secured against residential property that bridge the timing gap between buying a new home and selling an existing one, or fund urgent property purchases such as auctions. Targeted at residential property owners.
• Development Finance Short-term funding for property development projects, including construction, renovation and top-up construction loans during development phases. Targeted at property developers.
• ATO Debt Specialised short-term loans used to resolve Australian Taxation Office (ATO) debt situations and wind-up applications. Targeted at small business owners and individuals facing ATO tax debt.
• Debt Consolidation Short-term funding solutions used to consolidate multiple debts into a single manageable loan facility. Targeted at borrowers with multiple debt obligations seeking a single repayment structure.
• Urgent Funds Rapid access to short-term capital for time-sensitive business opportunities or financial emergencies that cannot wait for traditional bank processing. Targeted at borrowers with urgent funding needs.
• Cash Flow Short-term working capital facilities that address immediate business cash flow requirements such as overdue invoices, stock purchasing or seasonal cash needs. Targeted at small business owners.
• 1st & 2nd Mortgage Loans Short-term mortgage lending products ranging from $50,000 to $5,000,000 with LVR up to 75% for residential and 80% for commercial and industrial properties. Indicative interest rates start from 1.2% per month, with loan terms from a minimum of 1 month to a maximum of 1 year (extendable at discretion), and interest payable capitalised, prepaid or monthly.

Quantifiable outcome

• 48-hour settlement capability on approved loans
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• RedZed Lending Solutions: Australian specialist short-term and bridging lender distributing primarily through mortgage brokers. Competes head-to-head with CBF for time-sensitive settlement-gap, auction and development financing transactions.
• Mortgage Ezy: Australian non-bank lender offering bridging and short-term finance solutions for property buyers. Closely comparable niche focus on settlement-gap and time-pressured lending distributed through brokers.
• Bluestone Mortgage Solutions: Australian non-bank lender specialising in residential and bridging finance for borrowers outside prime bank policies. Directly comparable to CBF in short-term, secured, broker-distributed lending focused on speed and flexibility.
• Pallas Capital: Private Australian lender providing short-term bridging and property-backed loans to borrowers and developers. Comparable business model (private lender, broker channel, property-secured, speed-led) to Capital Bridging Finance.

Broad incumbents

• La Trobe Financial: Australian asset manager and non-bank lender offering residential, commercial and bridging finance as well as managed credit funds. Comparable to CBF as a private lender with broker distribution and pool/wholesale-fund ambitions, but at significantly greater scale.
• Resimac: Australian non-bank lender and major RMBS issuer offering prime and non-conforming residential and short-term loans through brokers. Comparable broker-distributed, non-bank private credit model, but at significantly greater portfolio scale.
• Liberty Financial: One of Australia's largest non-bank lenders, offering residential mortgages, bridging and asset finance via broker and direct channels. Overlaps with CBF in bridging/short-term secured lending but at materially greater scale and product breadth.
• Pepper Money: Major Australian non-bank lender providing residential, asset and commercial finance distributed via brokers. Shares CBF's broker-first distribution and specialist positioning, but operates at substantially greater scale across multiple asset classes.
• Firstmac: Large Australian non-bank lender and RMBS issuer offering residential and short-term lending via broker channels. Comparable end-market and distribution overlap with CBF, though Firstmac operates a far larger, securitisation-funded loan book.

Regional players

• Aussie Bridging Loans: Australian specialist bridging loan broker and distributor focused exclusively on short-term property finance. Comparable bridging-finance niche and target market to CBF, primarily brokering rather than lending directly; useful as a channel-overlap comparator.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Bridging Finance