DEBT2BOND

APPLICANTS

PROPERTY SELLERS

FURTHER BOND/SWITCHES

Bridging finance offers property sellers an advance on the proceeds from their sale before registration is complete. It provides immediate funds to cover outstanding rates, taxes, and levies, timely registration process without delays.

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FURTHER BOND/SWITCHES

Get early access to the proceeds of your bond before registration. This advance helps property owners cover education costs, unexpected living expenses, or other personal financial needs, ensuring funds when it’s needed most.

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ESTATE AGENTS

FURTHER BOND/SWITCHES

ESTATE AGENTS

Receive an advance on your commission before the property registration is complete. This provides you with the cash flow needed to pay month-end debit orders on time and continue marketing more properties without delay.

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PRICING

INTEREST

NO MINIMUM REPAYMENT

Interest calculation at 0.15% per day

E.g.: Interest per day = R10,000 × 0.15%
Interest per day = R15 x 30 days = R450

Total Repayment After 30 Days: R10,450

NO MINIMUM REPAYMENT

Repayment is automatically deducted from your commission or property sale proceeds upon registration—no monthly instalments or upfront payments, ensuring a hassle-free process.

NO INITIATION FEE

NO MINIMUM REPAYMENT

NO INITIATION FEE

No hidden fees, initiation costs, or unexpected charges—ensuring you receive the full benefit of your advance with complete transparency and no surprises.

PROPERTY SELLERS

Why Bridging Finance Works for Property Sellers

Access Funds Before Transfer
Bridging finance allows property sellers to receive an advance on the proceeds from their property sale before the transfer is finalized, avoiding financial strain during the waiting period.

Cover Urgent Expenses
Sellers can use the funds to cover outstanding debts, legal fees, moving costs, or other immediate financial needs while waiting for their sale to be processed.

Settle Rates Clearance & Pro Rata Rates and Taxes
Municipal rates clearance and pro-rata rates and taxes must be paid before property transfer. Bridging finance ensures these costs are covered, preventing delays in registration.

Cover Transfer & Bond Registration Costs
Bridging finance helps sellers and buyers manage the costs of property transfer and bond registration, ensuring a smooth transaction without financial setbacks.

Secure a New Property Faster
When repurchasing a property, bridging finance provides the necessary cash flow for deposits or bond costs, ensuring sellers don’t miss out on their next home due to delayed proceeds.

Smooth Transition Between Properties
By eliminating cash flow gaps, bridging finance helps sellers transition seamlessly from their old property to a new one without unnecessary delays or financial setbacks.

Qualifying Criteria:

Both Seller and Purchaser must have signed the Transfer, Bond Registration documentation and all Guarantees in place.

HOW IT WORKS

Quick and Easy Online Application – Apply online with minimal paperwork for fast approval.

Direct Payments for Property Costs – Funds required for property transfer, rates clearance, or bond registration are paid directly to the conveyancer.

Funds for Personal Use – Any funds needed for personal use are paid directly into your bank account.

Finance Up to 80% of Sale Proceeds – Get up to 80% of the proceeds from your property sale, ensuring you have the cash flow needed before final registration.

Automatic Settlement on Registration – The bridging finance will be settled in full by the conveyancer on the date of bond registration, ensuring a seamless repayment process.

CRITERIA - Sale documentation signed by both Seller and Purchaser at the attorney’s office.

APPLY

FURTHER BOND/SWITCHED HOME LOAN

Why Bridging Finance Works for Clients Awaiting Further or Bond Switch Registration

Access Funds Before Bond Registration
Bridging finance allows clients to receive an advance on the proceeds of their further bond or bond switch before the registration is finalized, ensuring immediate financial relief. Instead of being tied up in administrative delays, you can access a portion of your bond funds early, giving you financial freedom when you need it most.

Cover Urgent Expenses
Use the funds to settle outstanding debts, manage personal expenses, or invest in home improvements while waiting for the bond registration process to be completed.

Improve Cash Flow
Waiting for bond approval can strain finances. Bridging finance provides a financial cushion, allowing clients to manage monthly expenses, invest in new opportunities, or avoid financial stress.

Avoid Delays in Property Plans
Whether you’re planning home renovations, paying school or university fees or making improvements, bridging finance ensures you don’t have to put your plans on hold due to cash flow constraints.

Qualifying Criteria

Client must have signed the Bond Registration documentation with the registration attorneys and all Guarantees in place.

HOW IT WORKS

Quick and Easy Online Application – Fast approval with minimal paperwork.

Funds for Personal Use – Any funds needed for personal expenses are transferred directly into your bank account.

Finance Up to 80% of Bond Proceeds – Get up to 80% of the available bond funds in advance, ensuring financial flexibility while waiting for registration.

Automatic Settlement on Registration – The bridging finance will be settled in full by the conveyancer on the date of bond registration, ensuring a seamless repayment process.

Condition - Client to have signed documentation at attorneys.

APPLY

BRIDGING FINANCE FOR ESTATE AGENTS

Why Bridging Finance Works for Estate Agents

Access Up to 85% of Pending Commission
No need to wait for property registration—get up to 85% of your commission upfront to keep your cash flow steady.

Cover Monthly Expenses
Ensure your debit orders, rent, and daily expenses are paid on time without financial stress.

Invest in Marketing & Lead Generation
Use the funds to boost advertising, generate new leads, and secure more property sales without cash flow limitations.

Maintain Business Stability
Keep your business running smoothly while waiting for commissions, allowing you to focus on closing deals instead of financial constraints.

Grow Your Sales Pipeline
With access to funds, you can attend networking events, improve client service, and reinvest in your real estate business for long-term success.

Qualifying Criteria
Validation Requirement:
The initial application must be verified by confirming that the Principal Estate Agent is actively registered with the Property Practitioners Regulatory Authority (PPRA) and holds a valid Fidelity Fund Certificate (FFC). This confirms compliance and eligibility for commission-based bridging finance.

Both Seller and Purchaser must have signed the Transfer, Bond Registration documentation and all Guarantees in place.

HOW IT WORKS

Quick & Easy Online Application – Fast approval with minimal paperwork.

Finance Up to 85% of Your Pending Commission – Get an advance on your earned commission before registration.

Funds Paid Directly to Your Bank Account – Access your commission quickly for personal or business use.

Automatic Settlement on Registration – The advance is repaid directly from the commission by the Estate Agency, ensuring a hassle-free process.

CONDITIONS - PRINCIPAL ESTATE AGENT TO BE REGISTERED WITH PPRA WITH VALID CERTIFICATE.

Sale documentation signed by both Seller and Purchaser at the attorney’s office

APPLY

APPLICATION PROCESS

1. Online Application Submitted

Once the application has been submitted we will capture all the relevant information on the BSG system.

2. QuicklySign Link

1. Online Application Submitted

The client will receive an electronic link from QuicklySign to sign the application and agreement digitally.

3. Information Check

1. Online Application Submitted

4. Attorney Assurance Check

Once the signed application and agreement have been received, an initial information review is conducted. All relevant details, along with a list of required documents, are then sent to the attorney handling the transfer or bond registration.

4. Attorney Assurance Check

The transaction will be confirmed by the relevant attorney once all parties have signed the bond documents, ensuring that bridging finance can proceed.

5. Final Check

4. Attorney Assurance Check

5. Final Check

Once all documents provided by the attorney(s) have been reviewed, any outstanding documents or information will be requested from the relevant attorney(s).

6. Approval

4. Attorney Assurance Check

5. Final Check

Once everything is approved, the bridging finance will be paid to the applicant via IMMEDIATE PAYMENT (payments are processed at 10:00 and 14:00 on every business day).

BRIDGING FINANCE

UNLOCK FUNDS WHEN YOU NEED IT

APPLICANTS

PROPERTY SELLERS

FURTHER BOND/SWITCHES

FURTHER BOND/SWITCHES

FURTHER BOND/SWITCHES

FURTHER BOND/SWITCHES

FURTHER BOND/SWITCHES

ESTATE AGENTS

FURTHER BOND/SWITCHES

ESTATE AGENTS

PRICING

INTEREST

NO MINIMUM REPAYMENT

NO MINIMUM REPAYMENT

NO MINIMUM REPAYMENT

NO MINIMUM REPAYMENT

NO MINIMUM REPAYMENT

NO INITIATION FEE

NO MINIMUM REPAYMENT

NO INITIATION FEE

PROPERTY SELLERS

Why Bridging Finance Works for Property Sellers

HOW IT WORKS

FURTHER BOND/SWITCHED HOME LOAN

Why Bridging Finance Works for Clients Awaiting Further or Bond Switch Registration

HOW IT WORKS

BRIDGING FINANCE FOR ESTATE AGENTS

Why Bridging Finance Works for Estate Agents

HOW IT WORKS

APPLICATION PROCESS

1. Online Application Submitted

1. Online Application Submitted

1. Online Application Submitted

2. QuicklySign Link

1. Online Application Submitted

1. Online Application Submitted

3. Information Check

1. Online Application Submitted

4. Attorney Assurance Check

4. Attorney Assurance Check

4. Attorney Assurance Check

4. Attorney Assurance Check

5. Final Check

4. Attorney Assurance Check

5. Final Check

6. Approval

4. Attorney Assurance Check

5. Final Check

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