Hídfinanszírozás

Hídfinanszírozás, often translated as bridge financing or bridging loan, is a type of short-term financing used to cover a gap until a larger, more permanent financing is secured. It is typically employed in real estate transactions, business acquisitions, or other situations where immediate capital is needed but long-term funding is still in the process of being arranged. The loan is considered "bridging" because it bridges the time gap between when funds are needed and when they are expected to become available.

These loans are characterized by their short repayment periods, often ranging from a few months to a year. Due to the inherent risks associated with their short-term nature and the fact that they often involve less stringent underwriting compared to traditional long-term loans, hídfinanszírozás typically comes with higher interest rates and fees. Lenders offering these facilities assess the borrower's ability to repay the loan once the permanent financing is in place or through the sale of an asset.

Common scenarios for utilizing hídfinanszírozás include purchasing a new property before the current one is sold, funding a business acquisition while awaiting long-term debt or equity, or covering unexpected expenses during a capital raising process. The primary purpose is to provide liquidity and maintain momentum in a transaction that might otherwise be stalled due to funding delays. It is a flexible tool, but its costliness necessitates careful planning and a clear exit strategy.