Frequently Asked Questions

We operate across three pillars: Transaction Acceleration (property seller advances, agent commission advances, bond bridging), Project & Development Finance (developer exit finance, commercial bridging, refurbishment funding), and Specialised Capital (asset-backed bullet loans, bespoke structural finance). All our products are secured against South African immovable property.

We aim to deliver a non-binding indicative Term Sheet within 48 hours of receiving a complete enquiry with supporting documentation. Complex or large-scale transactions may take slightly longer, but we will communicate timelines clearly from the outset.

Our typical LTV range is 50%–70% of the property or project value, depending on the asset class, location, and exit strategy. In some cases we may consider higher LTVs where the security and exit are particularly strong. Use our Deal Calculator for an indicative assessment.

All Stonebridge facilities are secured by a registered mortgage bond over South African immovable property. Depending on the transaction, we may also require cession of sale agreements, personal sureties, or other collateral. Specific requirements are set out in the Term Sheet.

Stonebridge Finance provides credit to juristic persons (companies, trusts, close corporations) and to natural persons where the credit agreement is above the NCA threshold or is otherwise exempt. Where the NCA does apply, we comply with all applicable provisions. Each transaction is assessed individually for regulatory applicability.

From initial enquiry through to disbursement and repayment, you deal with a principal decision-maker. We do not operate a call centre. This ensures faster decisions, clearer communication, and accountability throughout your transaction.

Most Stonebridge facilities are short-to-medium term, typically between 3 and 24 months. We structure repayment to align with your exit strategy — whether that's a property transfer, refinance, development sale, or other liquidity event.

Yes. We fund both juristic entities (companies, trusts, CCs) and individuals, provided the transaction is property-backed and the funding purpose falls within our mandate. Property seller advances and bond bridging are commonly provided to individual borrowers.

At enquiry stage, we need basic details about the property, the funding amount, your timeline, and intended exit. For formal assessment, we typically require: property valuation or municipal valuation, title deed, sale agreement (if applicable), ID/CIPC documents, and financial statements or proof of income. We'll guide you through the specifics once we've reviewed your initial enquiry.

We comply fully with the Protection of Personal Information Act (POPIA). Your data is collected solely for the purpose of assessing and administering your funding application and is stored securely. Read our full POPIA Privacy Policy for details.