Specialist bridging finance, development funding and asset-backed lending for South African property professionals. Term sheets within 48 hours. Speak directly with a principal decision-maker — not a call centre.
Committee meetings, weeks of deliberation, template-driven credit policies. While the banks stall, your property opportunity slips away — or your transfer sits in limbo, locking up capital you need right now.
We are property-specialist private lenders. No committees, no call centres. Whether you need to bridge a transfer, exit a development, or unlock equity in an unencumbered asset — we structure bespoke funding aligned with your exit strategy.
In property, timing is everything. While traditional institutions deliberate for weeks, we deliver a non-binding Term Sheet within 48 hours. We move when the opportunity arises.
From inner-city residential conversions and student housing to industrial warehousing and sectional title developments, we understand the nuances of your asset class and the conveyancing cycles that drive it.
Your cash flow isn't a template and your funding shouldn't be either. We craft bespoke structures — bridging finance, equity partnerships, bullet repayments — aligned with your project's exit strategy.
You deal directly with a principal decision-maker, ensuring you always know exactly where your transaction stands. No "black hole" of a call centre. Total clarity from Term Sheet to Payout.
Three distinct pillars of capital, each engineered for a specific audience and objective.
You're asset-rich but cash-poor during the 3–6 month transfer window. We bridge that gap so you can access your equity today.
Stop waiting for the Deeds Office. Access up to 80% of your equity while your property transfer is being processed.
You've closed the deal — why wait for the payout? Turn your signed sale agreement into immediate working capital.
Bridge the gap between bond approval and registration. Cover moving costs, deposits, or urgent financial commitments.
Your goal is project completion. You care about IRR and avoiding stalled sites. We provide the last-mile liquidity to get you across the finish line.
The "Last Mile" solution. Get the liquidity needed to finish construction, landscaping or compliance when your primary facility is tapped out.
Rapid-response capital for auction purchases, "flip" opportunities, or breaking a property chain. Speed is the competitive advantage.
Capital for value-add plays where traditional banks won't lend until the work is done. We fund the renovation, not just the finished product.
Complex deals that don't fit a standard box. If the math makes sense, we build the bridge — regardless of how unconventional the structure.
No monthly cash-flow drain. Secure funding against unencumbered property with a single "bullet" repayment (Capital + Interest) at term-end.
For deals involving trusts, multi-jurisdictional assets, or unique collateral. If the math makes sense, we engineer the solution.
Beyond pure debt — structured equity participation for larger transactions where aligned incentives create superior outcomes for all parties.
Complete our eligibility form or call us directly. Provide basic details about your property transaction, funding requirement and timeline. No obligation, completely confidential.
Within 48 hours a principal decision-maker will present a non-binding Term Sheet outlining structure, rates, and conditions — tailored specifically to your deal.
Once terms are agreed and legal documentation finalised, funds are disbursed swiftly. You deal with the same principal throughout — complete transparency from start to finish.
Use this tool to get an indicative sense of whether your project falls within our typical Loan-to-Value parameters. This is for illustration only — actual terms depend on a full assessment.
This falls within our typical parameters. Submit an enquiry for a formal indicative term sheet.
*Indicative only. Stonebridge Finance does not guarantee approval. All facilities subject to credit assessment, legal due diligence and board approval. Not regulated by the National Credit Act.
Deep expertise across a range of South African property verticals, from residential developments to commercial refurbishments.
Sectional title, estate housing, inner-city apartments
Purpose-built student accommodation near universities
Warehousing, logistics centres, light industrial
Office conversions, retail strip malls, mixed-use
Developer exit finance for a 200-bed purpose-built student accommodation project in Braamfontein, Johannesburg. Funds deployed for final finishes and compliance sign-off.
Bridging facility enabling an investor to acquire a distressed industrial portfolio at auction, with a 90-day turnaround to long-term refinance.
Refurbishment funding for conversion of a heritage building into 32 sectional title units in the Cape Town CBD. Traditional lenders declined pre-completion.
Speak directly to the decision-makers.
No committees. No bureaucracy.
Complete the eligibility form and a principal decision-maker will contact you within 24 hours with an initial assessment. All enquiries are treated in the strictest confidence.
High-net-worth individuals and professional developers hate call centres. At Stonebridge, you speak directly to the people who make the decisions — from first call through to final disbursement.