In today’s rapidly evolving financial landscape, access to fast and flexible capital is more critical than ever. At Global Mortgage Group (GMG), we’ve witnessed a dramatic shift in how sophisticated borrowers—like you—are securing financing. Traditional banks are tightening their lending practices, and as a result, asset-backed bridging loans are becoming a game-changing solution. Read below for real life cases on how we have helped our Singapore clients.
Why Asset-Backed Bridging Loans Matter More Than Ever
As the market dynamics shift, we’re seeing one area of lending explode: asset-backed bridging loans. This sector has grown by an astonishing 429% since 2019, with projections showing it will reach S$825 million by 2025. Why is this happening? Simply put, asset-backed bridging loans are the ideal solution for borrowers who need quick liquidity but don’t want to compromise on the quality of the loan structure.
Traditional banks—paralyzed by regulatory pressures, lengthy approval processes, and a slow-moving credit committee structure—are no longer able to offer the speed and flexibility that sophisticated borrowers require.
But GMG specializes in real estate-backed, asset-backed bridging loans, enabling us to provide fast, flexible, and secure capital to those who need it most. Whether you're an investor chasing a time-sensitive opportunity, a business owner navigating cash flow gaps, or a homeowner seeking urgent liquidity, we’ve designed our platform to meet your needs efficiently.
The Banking Retreat: A Growing Opportunity for Private Credit
While banks are retreating from lending, the demand for private credit is accelerating. In late 2024, major Singaporean banks—including DBS, UOB, and OCBC—slashed their loan growth targets. This move was driven by tighter regulatory measures from the Monetary Authority of Singapore (MAS), including stricter loan-to-value ratios and enhanced stress testing. As banks become increasingly conservative, the need for agile private lenders who can respond quickly and decisively has never been greater.
At GMG, we recognize that for borrowers like you, waiting months for a loan approval simply isn’t an option. When you need capital fast to seize a property investment, manage an urgent business opportunity, or cover unforeseen liquidity needs, asset-backed bridging loans are the solution. Unlike traditional lenders, we understand the urgency and complexity of these needs and can provide quick, decisive financing that banks simply can’t match.
How GMG Can Help Extract Cash from Singapore Real Estate
We’ve helped many clients unlock the value of their properties quickly and efficiently. Here are three real-world scenarios where GMG’s asset-backed bridging loans have proven to be the ideal solution:
1. Business Owner Seeking Liquidity for Expansion
Scenario:
A successful entrepreneur owns a prime residential property in District 9, valued at over S$10 million. The business is experiencing a unique expansion opportunity but requires immediate cash to finalize a deal. The entrepreneur’s current assets are tied up in the property, and traditional banks are unable to approve a loan quickly due to lengthy documentation and approval processes.
How GMG Helps:
Through real estate-backed bridging loans, GMG provides fast liquidity using the property as collateral. We bypass the bureaucratic delays of traditional banks and offer a financing solution that allows the business owner to access up to 70% of the property’s value. The funds can be used immediately for business expansion—whether to secure a new location, purchase equipment, or cover operational costs.
Key Benefits:
- Quick access to capital: GMG can structure a loan in just 2–3 weeks, allowing the business owner to act swiftly on expansion opportunities.
- Low documentation: Our process is streamlined and focused on understanding the borrower’s needs, not exhaustive paperwork.
- Flexibility: The entrepreneur can pay back the loan once the business capitalizes on the expansion, without the need for long-term commitments or complex terms.
2. Property Investor Capitalizing on a Time-Sensitive Deal
Scenario:
A property investor has identified a lucrative off-market property deal but requires a significant cash infusion to close it. The investor owns multiple properties across Singapore, including a portfolio of high-value condos in Orchard and Marina Bay. Traditional banks are taking too long to approve a loan, and the investor risks losing the deal if they don’t act fast.
How GMG Helps:
Using the investor’s property portfolio as collateral, GMG can offer a bridging loan against the equity tied up in the properties. We provide a fast-track financing solution that allows the investor to close the deal in a timely manner, potentially within 2–3 weeks. Once the property deal is secured, the investor can repay the loan using the returns from the new property acquisition or refinancing options.
Key Benefits:
- Rapid financing: Our streamlined process means the investor can access the funds needed to close the deal within weeks, avoiding missed opportunities.
- Multiple properties leveraged: GMG can structure a loan that pulls equity from a variety of assets, optimizing the borrowing potential.
- Short-term commitment: The loan is designed to be repaid quickly once the property deal generates returns, giving the investor the flexibility to manage cash flow.
3. Homeowner Releasing Equity for Personal or Family Use
Scenario:
A high-net-worth individual owns a luxury home in Sentosa Cove worth over S$20 million. The homeowner needs immediate liquidity to cover unexpected company expenses from one of his overseas companies. However, the homeowner doesn't want to sell the property and is unable to secure a traditional loan quickly enough to cover the expenses.
How GMG Helps:
GMG offers a home equity release solution, using the Sentosa Cove property as collateral. By securing a bridging loan against the home, the homeowner can extract the necessary funds without the need to sell the asset or go through prolonged bank approval processes. The funds are made available quickly, ensuring the homeowner can meet his company’s financial needs.
Key Benefits:
- No need to sell assets: The homeowner can access liquidity without parting with their valuable property.
- Immediate cash flow: GMG’s quick approval process ensures that funds are available as soon as needed, giving peace of mind during stressful times.
- Flexible repayment: The loan can be structured to allow for repayment once the medical situation is resolved, without long-term financial strain.
The GMG Difference: Speed, Flexibility, and Relationships
At GMG, our expertise in real estate-backed bridging loans sets us apart. We don’t operate like traditional banks, which often get bogged down by endless documentation and lengthy approval processes. Instead, we focus on building relationships first, ensuring we understand your needs and providing the most efficient solutions available.
Where traditional banks require 8–12 weeks for approval, we can often provide a solution in just 2–3 weeks. This speed is critical when it comes to seizing time-sensitive opportunities, whether in real estate or business. In an environment where speed and certainty matter more than ever, we’re proud to offer you the financing solutions that help turn your opportunities into reality.
Looking Ahead: GMG Leading the Way in Private Credit
With traditional banks retreating, the demand for agile, relationship-driven private credit solutions is growing. At GMG, we’re leading the charge in asset-backed bridging loans, setting the standard for speed, flexibility, and client-focused solutions. As the market continues to shift, we’re here to ensure you have the support you need to seize opportunities without delay.
We look forward to continuing to work with you as we navigate this exciting new era of private credit in Singapore. If you need fast, reliable financing, don’t hesitate to reach out.
Best regards,
Donald Klip, Co-Founder
Global Mortgage Group & America Mortgages
Email: [email protected]
Your Top Questions Answered:
Q1: What makes asset-backed bridging loans so valuable in Singapore’s current market?
A: With banks tightening lending, asset-backed bridging loans offer quick, flexible funding by leveraging property assets. They allow borrowers to access liquidity within weeks instead of months.
Q2: Who can benefit the most from GMG’s asset-backed bridging loans?
A: Business owners, property investors, and homeowners who need fast capital for expansion, investments, or cash flow management can all benefit from GMG’s streamlined loan solutions.
Q3: How does Global Mortgage Group provide faster approvals than traditional banks?
A: GMG eliminates lengthy credit checks and rigid bank documentation. By focusing on asset value and borrower intent, approvals are typically completed within 2–3 weeks.
Q4: Can multiple properties be used as collateral for a single bridging loan?
A: Yes. GMG can structure a single loan using equity from multiple high-value properties, maximizing borrowing potential and offering flexibility in loan structuring.
Q5: What are the main advantages of choosing GMG over a traditional bank?
A: GMG offers speed, flexibility, and relationship-driven service. Borrowers gain access to quick funding, lower documentation requirements, and tailored solutions designed around their timelines.
