The Bridging Solutions Group (pty) Ltd

What The Bridging Solutions Group (pty) Ltd does

The Bridging Solutions Group (Pty) Ltd (BSG) is a privately held South African financial services provider founded in 2018 and headquartered in Pretoria, Gauteng. The company specializes in short-term bridging finance, advancing funds to property sellers, buyers, real estate agents, bond originators, property developers, agricultural farmers, and property owners seeking 1st and 2nd bond extensions, against the proceeds owed to them once a property transaction has been agreed but not yet registered. Advances of up to 85% of the required amount are offered at a daily interest rate of 0.15% and a daily discounting fee of R1.50 per R1,000 bridged, with no initiation fees and no minimum loan period. Two payment runs per day (10:00 and 14:30) enable same-day disbursement for approved applications.

The company's technology stack is centered on a self-serve customer journey delivered through the Wix-hosted marketing website (tbsg.co.za) and an Azure-hosted web application (tbsg.azurewebsites.net) branded as the iFrame portal, which supports online registration, application submission, document management, and real-time loan tracking. A web-based loan calculator provides instant estimates based on loan amount and duration. Back-office tooling includes Zoho Campaigns for email marketing and Google Analytics for web analytics. The company is a member of BFASA (Bridging Finance Association of South Africa) and maintains referral relationships with two preferred property law firms — W.D. Saayman Attorneys and Hammond Pole — and with Municipal Debt Specialist for rates-clearance support.

BSG's go-to-market is direct-to-consumer and digital-first: the website, loan calculator, Facebook page, and email newsletters drive top- and mid-funnel activity, while bottom-funnel conversion relies on referrals from partner attorneys and bond originators. Revenue is generated on a pure transaction-fee basis from the interest and discounting charges accrued over the bridging period — there are no subscription tiers, enterprise contracts, or platform fees. The firm operates with 1-10 employees from a single Pretoria office, is privately held with no disclosed external funding, and has not announced any acquisitions, mergers, leadership changes, or product launches beyond incremental portal and tooling updates since 2018.

Name

The Bridging Solutions Group (pty) Ltd

Legal name

The Bridging Solutions Group (pty) Ltd

Website

https://tbsg.co.za

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

The Bridging Solutions Group (BSG) is a Pretoria-based private lender providing short-term bridging finance advances of up to 85% of property transaction proceeds to South African property sellers, buyers, agents, developers, bond originators, and farmers via an online self-serve portal with same-day disbursement.

Ownership category

akta.pro rank

Product category

Bridging Finance (Short-term Property Lending)

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAGAD

Merchant Cash Advance (MCA) & Revenue-Based Financing

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Bridging finance
• Short-term lending
• Property finance
• Real estate lending
• Bond extension

Headquarters

HQ city

Pretoria

HQ country

South Africa

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Bridging Finance Interest and Discounting Fees: Revenue generated through daily interest charges of 0.15% per day on bridged amounts, and a daily discounting fee of R1.50 per R1,000. The company offers advances of up to 85% of the required amount with no initiation fees, earning income from the interest accrued during the bridging period until property registration.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

BSG provides short-term bridging finance that advances up to 85% of proceeds owed to property sellers, buyers, agents, bond originators, developers, and farmers before formal property registration. Pricing is based on a 0.15% daily interest rate and a R1.50 per R1,000 daily discounting fee, with no initiation fee and no minimum loan period. Applications are submitted online through the company website, approved loans are disbursed via two daily payment runs (10:00 and 14:30), and an account portal tracks applications and documents.

Product overview

The Bridging Solutions Group (BSG) operates as a single unified offering rather than a platform-plus-modules architecture. The core product is Bridging Finance, a short-term lending solution that advances funds to property sellers, buyers, agents, and developers before formal property registration. This is supplemented by the iFrame online portal for account management and loan tracking, and a Loan Calculator for estimating costs. The company primarily serves South African real estate professionals including property sellers, real estate agents, bond originators, property owners seeking bond extensions, and agricultural farmers.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Finance Short-term bridging finance that advances up to 85% of property sale proceeds before formal registration, targeting property sellers, buyers, real estate agents, bond originators, property developers, and agricultural farmers. Charges 0.15% daily interest and R1.50 per R1,000 per day discounting fee, with no initiation fee and no minimum loan period.

Quantifiable outcome

• Loan disbursement within a day of approval (two runs at 10:00 and 14:30)
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• BFASA (Bridging Finance Association of South Africa)coreOthersBSG is a proud member of BFASA, the Bridging Finance Association of South Africa. BFASA membership provides industry credibility, adherence to professional standards, and consumer trust.
• W.D. Saayman AttorneysminorImplementation/ SI/ Consulting PartnerPreferred property law attorneys providing legal support for property transfer and bond registration processes associated with bridging finance transactions.
• Hammond Pole AttorneysminorImplementation/ SI/ Consulting PartnerPreferred property law attorneys assisting with property law matters related to bridging finance deals.
• Municipal Debt SpecialistminorStrategic or Co-development PartnerSpecialist partner providing municipal debt clearance services, supporting clients with debt-related clearance figures required during property transactions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• PayJustNow: South African buy-now-pay-later platform that lends to consumers and small businesses at point of sale. Comparable short-term, transaction-based lending model in the same market, but addressing retail purchases rather than property transactions.
• ooba: Large South African bond originator that touches the same property buyer journey as BSG and often faces bridging-finance conversations with its clients. Comparable customer overlap (buyers, agents, developers) and complementary rather than direct competing offering.
• BetterBond: Major South African bond originator operating in the same property-financing ecosystem. Shares the bond-origination and property-buyer customer segment with BSG; competes indirectly for the same bridging opportunity but does not directly lend its own bridging capital.

Broad incumbents

• Absa Bank: One of South Africa's major banks offering a portfolio bridging-finance product alongside home loans. Comparable because it offers the same end product (bridging finance on property proceeds) but as part of a much wider banking suite with deeper capital and regulatory standing.
• Standard Bank: South Africa's largest bank with a bridging finance solution on its property platform. Comparable in offering but with vastly greater capital base, regulatory standing, and customer reach across all property segments including commercial and agricultural.
• First National Bank (FNB): Major South African bank with a published bridging finance product serving property buyers and sellers. Comparable offering, but with established deposit base, scale, and an established branch and digital channel — a benchmark for what BSG ultimately competes against.

Direct peers

• Merchant Capital: South African provider of revenue-based financing and cash advances to SMEs, including property-related businesses. Highly comparable business model — advancing capital against future receipts with a take-rate fee structure — but serving a broader SME base rather than specializing purely in property bridging.
• Realfin (Real Finance): South African specialist lender focused on bridging finance for property transactions. Closely comparable product (bridging finance against property sale proceeds) and customer base (agents, sellers, buyers), making it BSG's most head-to-head digital competitor.

Emerging players

• Lula: South African digital lending platform offering short-term credit to consumers and small businesses. Comparable digitally-native, short-term credit approach in the same market; partial overlap in use cases around bridging cash flow gaps.
• TymeBank: South African digital bank extending into SME and consumer credit products. Comparable digitally-led, low-cost distribution model targeting underserved South African borrowers, with growing overlap in short-term credit offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BridgingSolutionsGroup
• LinkedInlinkedin.com/company/the-bridging-solutions-group

Revenue estimate

Valuation estimate

Number of profiles

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 The Bridging Solutions Group (pty) Ltd