Introducing Assetline Clinch Bridging Loans for property owners

In a buyer's market, property owners need the confidence to buy fast - and sell slow. They want to know they can make an offer, but hold out for the right price on their current property. They may want to renovate first. Or, if they're downsizing or moving into a retirement home, they might want finance to move before selling - with potentially no end debt once they've sold.

That's where a short-term bridging loan from clinch can help:

  • $500k - $10m
  • Up to 6 months
  • 75% Maximum LVR

Assetline Capital has spent more than 11 years developing fast, flexible property lending for commercial borrowers. And now, we're putting that expertise to work for all Australian property owners - with our Clinch Bridging Loans.

Commbank gives your more lending options!

CommBank gives you more lending options, you may not be aware of, so we have made it simple and easy to understand with this 3 minute video. At CommBank we adapt to your clients' needs and circumstances giving you greater control and confidence to grow your business, another way you can do more with CommBank. Watch Sandy Qamar, our National Partnerships Manager take you through a short video highlighting some of the lending options that CommBank will consider.

Success stories at

We find Lending Solutions For All Types of Client Scenarios

Below is a real-life scenario showing how we were able to help these borrowers finish construction on their new home. Could this be a similar situation your clients find themselves in?

Client Scenario

These clients needed cash out to finish construction on their new home they had purchased a year ago. However, the challenge they faced was locating a suitable lender. Being asset-rich but cash poor and their retired status complicated matters.

Client Solution

Funding ensured their financial needs were met and were able to release the funds they needed smoothly and efficiently. Their exit strategy comprised of the sale of their current residence after successfully transitioning into their new home.

Banjo: Does your client need Working Capital to facilitate growth?

This Health Food Production Company achieved a Working Capital loan to supercharge business activity and manage steady growth.

  • Industry - Retail Trade - Specialised food production
  • Time in business - 11 years
  • Annual turnover - $4.2M
  • Loan Amount - $330K
  • Structure - Company
  • Total Approval Time - 24 Hours

A bit of background

Passionate about business, this company are focused on improving the inner wellness and longevity of their consumers through their superfood bone broth products. With 11 years of trading online and wholesaling, the business is turning over $4.2M annually. The business won numerous new contracts and required a Working Capital loan to purchase additional stock.

How did we help this business move forward?

Banjo understood the business' position from solid financials, strong performance and large distributor network. The application was reviewed within 24 hours of submission and a $330K Working Capital Loan was approved within 24 hours. The loan enabled the business to purchase stock required for their expansion and maintain the pathway for steady growth.

Great news for Essentials Service customers and co-borrowers

A helping hand for your Essential Service customers

Resi Select understands that Essential Service employees work long and sometimes unpredictable hours - and that this may appear as 'overtime' income in their pay. They may also be entitled to ongoing benefits that are classified as 'allowances'. However, we realise that these additions to pay can be ongoing and want to make sure that their hard work can be realised when buying a home.

That's why our policy allows you to consider overtime and allowances as standard PAYG income for Essential Service employees, where we can verify the last 180 days of payments received by the customer. This may mean that a customer's borrowing power increases as we consider more than just their base salary.

Eligible Essential Service occupations include:

  • Ambulance officer
  • Police officer
  • Firefighter
  • Border force
  • Nurse/Midwife
  • Protective service officer
  • Paramedic
  • Medical & Health professionals (full list below)

Medical and Health Professionals include:
Medical Practitioner Training, Anaesthetist, Dermatologist, Emergency Medicine Specialist, Obstetrician & Gynaecologist, Ophthalmologist, Paediatrician, Pathologist, Specialist Physician, Psychiatrist, Radiologist, Nurse Educator, Nurse Researcher, Dentist, Dental Specialist, Hospital Pharmacist, Industrial Pharmacist, Retail Pharmacist, Occupational Therapist, Optometrist, Physiotherapist, Speech, Pathologist, Chiropractor, Osteopath, Podiatrist, Medical Diagnostic Radiograph, Radiation Therapist, Nuclear Medicine Technologist, Sonographer, Veterinarian, Dietitian, Naturopath, Acupuncturist, Natural Therapy Professionals, Audiologist, Orthoptist, Orthodontist.

Simplifying the co-borrower process
We've also recently simplified the way we capture and confirm co-borrower benefit information when applying for a loan - making the process easier than ever for your customers and, of course, you!

We've simplified the language used in ApplyOnline and LoanApp and introduced clarifying questions - ensuring we're obtaining the right information upfront and removing the need for an additional independent Co-borrower Acknowledgement form to be completed.

We're here to help
If you have any questions regarding our Essential Service and co-borrower application processes, or would like to discuss a customer's scenario, we're here to help! Simply contact your Resi Business Development Manager or Broker Support.