Finance the interval between two events.
Bridging finance can support a transaction when an acquisition, sale or longer-term funding arrangement does not occur at the same time. The proposed exit is central to the structure.
REGALIS / BorrowersA temporary facility with a repayment event
A bridging requirement should be described from both ends. Explain why funds are needed now and the event expected to repay them. Evidence might include a sale process, a documented refinancing proposal or another identifiable source of funds.
Time can change the economics of a bridge. Legal work, asset sale timing and external lender assessment may take longer than expected. A realistic structure considers the consequences of delay.
Regalis discusses the proposed term and exit alongside the property and borrower information, then explains whether the requirement can progress to a detailed assessment.
Bring the beginning and the exit into one plan
A bridging facility responds to a mismatch in timing. An acquisition may need to settle before a disposal, or an asset may need temporary finance while a longer-term facility is assessed. Explain both events, who controls them and the conditions still outstanding. An expected outcome is more useful when supported by documents and a realistic timetable.
The structure should allow you to understand the effect of delay. Interest, holding costs and fees can continue while the exit is unresolved. Discuss a credible alternative and the information that would trigger an early review. Separate a contractual deadline from a preferred completion date. An extension is a separate request under the facility arrangements; it should not be assumed when setting the original repayment plan.
The process, explained
- 01
Describe the requirement
Start with the amount required, use of funds, timing and source of repayment. Identify the borrower and any broker or adviser involved so communication follows an agreed route from the outset.
- 02
Confirm the funding relationship
The team considers whether the scenario may be assessed for direct funding or through Regalis acting as finance broker. The proposed lender, service provider, costs and responsibilities are explained as the structure develops.
- 03
Review evidence and proposed terms
Detailed assessment can involve financial records, valuation, security review and legal documentation. Read the proposed costs, conditions, payment obligations and exit assumptions together. Raise missing information and changes promptly, before relying on an indicative position.
- 04
Document, settle and monitor
A transaction proceeds only when the relevant decision maker approves it and required conditions are met. After settlement, follow the facility reporting and repayment requirements and discuss material changes before an obligation is missed.
Questions before you proceed
Is a sale contract enough to establish the exit?
A contract is important evidence, but its conditions, settlement date and completion risk still matter. The assessment also considers the remaining debt and costs that need to be paid from the proceeds.
Can the bridge be extended automatically?
An extension should not be assumed. Any request depends on the facility terms, current position, fresh assessment and relevant approval. Raise a possible delay early and provide an updated exit plan and supporting evidence.
Start a considered conversation
A clear initial outline helps identify the next decision and the evidence needed to support it. Include the proposed timing and any complication that could affect the structure. Further information and transaction-specific terms follow through the appropriate assessment process.