Bridging capital gaps with speed and certainty
Gap funding is a short-term facility used to cover the difference between what traditional lenders will provide and the total funds required to complete a transaction. It is commonly used in time-sensitive property or business scenarios where speed and flexibility are critical.
Knote structures gap funding using first or second mortgage security, enabling higher leverage and fast execution.
Commercial/Investment/Business purpose only (no consumer lending)
Residential, commercial, industrial, land, or development stock
Australia‑wide (metro preferred; regional considered case‑by‑case)
Individuals, companies, or trusts
Sufficient equity to support total LVR (up to 80% combined)
Clear and viable (sale, refinance, equity release, developer presales)
Flexible—non‑bank approach; impaired credit considered
$100,000-$5,000,000 (tailorable to scenario)
| Feature | Details |
|---|---|
| Security | First or Second Mortgage |
| Loan Term | Short to medium-term up to 24 months |
| Max LVR | Up to 75%–80% (case dependent) |
| Approval Time | Fast execution with certainty of funding |
| Repayment | Exit via refinance, sale, or long-term strategy |
| Fees | Application fee from 0.55% + Account Management |
| Suitable For | Residential & commercial property, refinance, business capital |
| Pricing | Competitive pricing for short to medium-term bridging needs |
Costs depend on loan size, security position, and risk profile, but the following ranges help guide expectations:
Fees:
Designed for speed and execution where timing gaps exist.
