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Short-Term Funding When Timing Matters Most

Flexible short-term finance solutions to bridge gaps, unlock opportunities and relieve pressure fast.

Discuss Your Short-Term Finance Options

Introduction – Short-Term Finance Solutions

Not every financial need fits neatly into a long-term loan. Sometimes the challenge isn’t affordability: it’s timing. A delayed settlement, a purchase opportunity, a temporary cash-flow gap, or funds tied up elsewhere can all create short-term pressure that needs a smart, fast solution.

Short-term assistance loans are designed for exactly these situations. At Grange Finance, we help clients access short-term finance solutions that are structured to solve immediate needs without creating long-term problems. The focus is speed, clarity and a defined exit strategy from day one.

Who This Service Is For

This service is ideal for individuals and businesses who need temporary funding to bridge a financial gap, not ongoing debt.

For home buyers and property owners, short-term loans are commonly used when selling and buying timelines don’t align, or when funds are temporarily unavailable due to settlement delays.

For business owners, short-term finance can support cash flow during growth phases, cover unexpected expenses, or fund opportunities that require quick action before longer-term finance is in place.

We also assist investors who need interim funding while waiting for refinances, property sales, or capital to be released.

What Are Short-Term Assistance Loans

A short-term assistance loan is a temporary funding solution designed to cover immediate financial needs over a relatively short period, typically months rather than years.

These loans are not intended to replace traditional lending. Instead, they act as a bridge between two financial events- such as buying before selling, covering costs until funds are released, or stabilising cash flow during transitions.

The key to successful short-term finance is clear structure and a defined exit plan. Without that, short-term funding can quickly become expensive. That’s where experienced guidance makes all the difference.

Types of Short-Term Finance (Including Bridging Loans)

There are several forms of short-term finance, each suited to different scenarios:

Bridging Loans

Bridging finance helps property buyers purchase a new property before selling an existing one. The loan “bridges” the gap between purchase and sale, allowing you to move forward without waiting for settlement.

Short-Term Secured Loans

These loans are secured against property or assets and are commonly used when speed is essential and traditional lenders are too slow.

Business Short-Term Finance

Designed for businesses needing fast access to funds for working capital, supplier payments, or short-term opportunities.

Interim Funding Solutions

Used when long-term finance has been approved but not yet settled, or when funds are temporarily tied up elsewhere.

Each option carries different costs, timeframes and risks, which is why structure and lender selection matter.

Typical Use Cases

Short-term assistance loans are commonly used in situations where timing is critical.

Clients often use short-term finance to:

  • Purchase a new property before selling an existing one
  • Cover settlement delays or timing mismatches
  • Fund renovations or repairs prior to sale
  • Manage temporary cash-flow gaps
  • Secure time-sensitive investment opportunities
  • Stabilise business operations during transitions

In all cases, the goal is to solve a short-term problem without creating a long-term burden.

Key Considerations & Risks

Short-term finance can be effective- but it must be approached carefully.

Key considerations include:

  • Higher interest rates compared to standard loans
  • Short repayment timeframes
  • Clear and realistic exit strategy required
  • Property market and settlement timing risks
  • Cash-flow impact if plans change

We ensure clients fully understand these factors before proceeding, so there are no surprises later.

Why Choose Us for Short-Term Loans

✔ Time-Sensitive Finance Expertise

We understand urgency — and know which lenders can deliver quickly.

✔ Access to Specialist Short-Term Lenders

We source options beyond traditional banks.

✔ Strategy-Driven Approach

Every loan includes a clear exit plan from day one.

✔ End-to-End Support

From approval through to exit, we stay involved.

FAQs

  • 1. How fast can a short-term loan be approved?

    Depending on the structure, approvals can occur much faster than traditional loans.

  • 2. Are short-term loans expensive?

    They can be, which is why they’re best used strategically and for short durations.

  • 3. What is a bridging loan used for?

    To buy a new property before selling an existing one.

  • 4. Do I need property security for short-term finance?

    Most short-term loans are secured, though options vary.

  • 5. Can short-term finance be refinanced later?

    Yes — many clients transition to long-term finance once timing issues are resolved.