bridging LOANS
Bridge the gap between buying and selling.
Short-term financing so you can cover a cash gap, or complete a property purchase before your existing property is sold. We move as fast as you need.
bridging LOANS
Short-term financing so you can cover a cash gap, or complete a property purchase before your existing property is sold. We move as fast as you need.
Who it's for
Property-backed business owners
Unlocking property cash for a time-sensitive opportunity: working capital, a deal deposit, or a supply chain gap.
Upgraders and downgraders
Securing your next property before your current property's sale completes. Don't lose the unit because timing didn't align.
Commercial property investors
A shophouse, office, or industrial property with a closing deadline. When the window is narrow, speed is everything.
En bloc and collective sales
Collective sale proceeds can take months to distribute. A bridging loan lets you secure a replacement without waiting.
Understanding bridging loans
A bridging loan is short-term financing that covers a cash gap between when you need funds and when your proceeds arrive. The trigger is usually a property transaction: you need capital now, but your sale, en bloc payout, or receivable hasn't landed.
Unlike banks, which require confirmed sale proceeds before approving, we assess your asset and your exit, and move at the speed you need.
Property sold but proceeds haven't landed, and the next purchase is due
En bloc payout delayed but a new property purchase is due
Exercising an OTP before your current unit has sold
Covering cash-over-valuation (COV) on a new purchase
Unlocking property cash for a business or investment opportunity
The Tembusu advantage
Tembusu's bridging finance is TDSR-exempt and stands independently. No concurrent bank home loan required, and we assess your property and exit strategy on their merits.
Tell us about your property and a specialist will come back with indicative rates within the day.
No obligation. Strictly confidential.
Types of bridging loans
Capitalised interest
Interest accrues and is added to the principal — nothing is paid monthly. The full amount is repaid in one lump sum when your property's sale completes.
No monthly repayments. Preserves cash flow during bridging.
Simpler to manage alongside your new home loan.
Total interest cost is higher as it compounds.
Simultaneous repayment
You service both loans concurrently each month. Higher short-term outgoings, but interest reduces as principal reduces — lowering your total cost of borrowing.
Lower total interest paid over the tenure.
Principal reduces faster, shortening loan duration.
Higher monthly commitment while servicing two loans.
Why Tembusu
Banks are structured for the average borrower. Tembusu is structured for the ones who need more.
What matters to you
A bank
Tembusu Financial Services
Approval speed
2–4 weeks
Hours to 1 business day
TDSR restriction
Yes, all products TDSR-restricted
TDSR-exempt bridging finance
Standalone bridging loan
Must hold concurrent home loan with bank
Standalone loan, no bundling required
Credit flexibility
Rigid credit scoring model
Proprietary underwriting: collateral, exit, context
Loan quantum
Typically capped at 75% LTV or lower
Up to S$1M in-house
Broker fees
Often via broker networks
Direct lender, zero broker markup
Disbursement timeline
Days to weeks after approval
Within 24 hours of approval
How it works
1
Reach us via WhatsApp, or the form. A consultant responds within the same business day.
2
Submit NRIC, property details, and evidence of your exit strategy.
3
We look at collateral and exit strategy, not just a credit score. No external committee.
4
A clear, no-surprises offer letter. Panel solicitors handle legal concurrently.
5
Funds sent directly to your solicitor or bank account within one business day of approval.
What you need
Eligibility criteria
Singapore Citizen, PR, or foreigner with Singapore property
Own residential, commercial, or industrial property
Minimum loan amount: S$100,000
No minimum employment or business history
TDSR-exempt — complex income profiles welcome
Documents required
NRIC or Passport (plus Employment Pass if foreigner)
Property title deed or S&P Agreement
Outstanding mortgage statement (if applicable)
Bank statements, last 3–6 months
ACRA business profile and financials (for business owners)
Don't let timing cost you the deal. Speak with a Tembusu consultant today and get a clear answer. No obligation, no jargon, no waiting.