Property Bridging Finance South Africa
Short-Term Capital, Structured Against Confirmed Property Transactions
Eido Capital provides Property Bridging Finance to individuals and businesses across South Africa. If you are awaiting a property transfer with contractually confirmed proceeds, we can arrange a short-term advance to provide access to capital before registration.
What is Property Bridging Finance?
Property Bridging Finance is a short-term, transaction-based capital solution structured against a confirmed property sale that is pending transfer.
Once a deed of sale is signed and the transaction is progressing through conveyancing, a portion of the expected proceeds can be accessed and advanced.
Each Facility is Assessed On 3 Criteria
- The strength of the underlying sale
- Legal certainty
- Timing of registration
How Property Bridging Finance Works with Eido Capital
A seller signs a deed of sale for R2,000,000. Transfer is expected within 6 weeks. The outstanding bond is R1,200,000, leaving net proceeds of approximately R800,000. Eido Capital advances a portion of the net proceeds within 48 hours of approval. Upon registration of transfer, the advance plus agreed costs are settled in a single payment from the attorney’s trust account.
When Property Bridging Finance is Typically Used
- Awaiting proceeds from a residential or commercial property sale
- Requiring a deposit on a new property while waiting for the proceeds of an existing sale
- Managing short-term obligations pending transfer and registration
- Bridging timing gaps in investment or business-related transactions
Key Features
- Capital advance aligned to expected net sale proceeds
- Short-term duration, aligned to transfer timelines
- Once-off repayment on registration - no monthly instalments
- No upfront application costs
- All pricing, fees, and repayment structures fully disclosed prior to acceptance
Execution Timelines
- Assessment typically completed within 24 hours of receiving full documentation
- Capital can be released within 24 to 48 hours following final approval
These timelines apply to qualifying transactions with complete and verifiable documentation.
How to Apply for Property Bridging Finance: 6 Steps
Step 1: Submit Your Application Online
Apply online for property bridging finance while awaiting the transfer or registration of your residential or commercial property sale.
Step 2: Provide Supporting Documentation
Submit the required documents (see list below) so our team can assess your application without delay.
Step 3: Application Assessed Within 24 Hours
Eido Capital’s team reviews your application and provides structured feedback within 24 hours of receiving all documentation.
Step 4: Receive Your Personalised Offer
You will receive a structured finance offer with clearly defined amounts, fees, and repayment timelines – full clarity before you commit.
Step 5: Agreement Signed
Review and sign your bridging finance agreement. Our team will walk you through every clause.
Step 6: Capital Released to Your Account
Once all documents are signed, Eido Capital makes payment directly to your bank account within 48 hours.
Documents Required for Property Bridging Finance
- Signed deed of sale
- Identity document (or company registration documents for entities)
- Settlement figures from the bond-holding institution (where applicable)
- Transferring attorney details
Additional documentation may be required depending on the transaction.
Property Bridging Finance vs. Traditional Bank Loan
| Feature | Eido Capital | Traditional Bank Loan |
|---|---|---|
| Assessment basis | Property transaction | Credit profile and income |
| Repayment | From transfer proceeds - once-off | Monthly instalments |
| Timing | Short-term, event-driven | Fixed-term |
| Structure | Transaction-specific | Standardised loan product |
Speak to the Eido Capital Team
If you are awaiting the proceeds of a confirmed property transfer before registration, our team can discuss a structured advance tailored to you. Contact us today for discreet facilities and capital release within 24 to 48 hours of approval.
Frequently Asked Questions
How much can be advanced?
Eido Capital advances a portion of the net sale proceeds, depending on the confirmed sale value, any outstanding bond settlements, and the overall transaction structure. The exact amount is confirmed once full documentation has been assessed.
How long does property bridging finance take?
Is approval based on credit history?
What interest rate does Eido Capital charge?
Can I get bridging finance on a commercial property?
Yes. Eido Capital provides property bridging finance for both residential and commercial property sales across South Africa.
What happens if the transfer is delayed?
Our team works closely with transferring attorneys to monitor progress. Facilities are structured with sufficient flexibility for normal transfer delays. Speak to a consultant at the application stage to discuss your specific timeline.