Bridging Finance

What is Bridging Finance?

Bridging Finance is partnered with numerous lending companies offering various financial solutions. They consist of joint venture partners, independent businesses, and large lending institutions. They match their customers’ needs with what their partners can offer in terms of loaning service.

Bridging Finance’s goal is to help South Africans find the right fit between debtors and lenders. Oftentimes, the associates of the partner lender will get in contact with you to further discuss the borrowing procedure.

Some of their lending partners may offer secure loans. This means you have to put up a collateral to ensure you will be able to repay the amount you’re requesting. This gives lending companies added security and confidence that you’ll be able to repay your debt on time.

Bridging loans offered to South Africans range from R4 000 to R150 000.

Bridging Finance South Africa

Getting Your Loan

On their website, select the type of loan you want to apply for. You will be forwarded to a page of one of their partner lending service. Put in all the details required in the online form. Make sure all the information you provide are accurate and factual.

Make sure you’ve signed the document you forward them to avoid delays. Your approval depends on the completeness and accuracy of the documents you’ve provided.

The speed of approval also depends on the lender’s processing time. Usually, it will only take around 24 hours upon the receipt of your application. More complicated loans take around 10 days, or even longer, to process. Regularly check your email regarding the decision on your loan application.

If you do not receive any reply from them, it’s safe to assume that your request has been rejected. Otherwise, they’ll contact you for alternative solutions.

The loaned money will be received through electronic funds transfer (EFT) on the bank account you provided. The provided bank account should be the same account where you receive your monthly salary.

Interest & Fees

The rates and fees all depend on the institution handling your loan.

Repayment Schedule

You must also be clear about your strategy on how you’ll repay the loan. This can be discussed with the lending company you’re in contact with.

Bridging Finance doesn’t encourage South Africans to request for a loan that’s more than they can handle. Failure to pay back the loan will incur additional charges and may result in legal actions and financial sanctions.


Bridging Finance requires South Africans to comply with the following requirements:

  • A clear credit record
  • A permanent income source with a minimum salary of R3 000 per month. Self-employed applicants have to provide their bank statement for the last 3 months
  • Proof of residence
  • Age 65 and below

Upon submission of your application form, you agree to let the lending company do a credit check on your profile. You must also be open to receiving promotions, although you can choose to stop this anytime during the application process.

Bridging Finance does not accept loan requests from citizens who are undergoing sequestration, lawsuits, and debt review.

Bridging Finance may still offer personal loans to blacklisted South Africans. However, expect the application process to be stricter since you have a history of bad credit rating.

If you get declined, you can re-apply and request for a different financing solution. You can ask the lender’s consultants regarding this matter.

Contact Details

All communications with Bridging Finance are done through email.

If you want to file a request using snail mail, you can send them your application form to the following address:

Postal Address: PO Box 1583, Wandsebeck, 3631, South Africa