Choose the funding that fits.

Start with your ongoing cash flow

A rent advance brings future income forward. It also reduces the rent you receive during collection. A loan provides borrowed funds with repayment obligations. Either can affect the money available for your other commitments.

Key questions to compare

Consideration	RentBridge	Loan or refinancing
Cost	One all-in fee in dollars, based on the amount and term, deducted before payment. See your fee.	Interest and fees depend on the lender, product and term
Ongoing income	Your agent keeps agreed fees and deductions, then redirects the purchased net rent during the term	Repayments are due under the credit agreement
Timing	Depends on verification, signing and bank checks	Depends on lender assessment and settlement
Tenant stops paying	Contact us about pausing redirections under your agreement	Speak to the lender about your obligations and assistance
Future finance	Reduced rental income may affect assessment	Existing debt and repayments may affect assessment

A percentage alone is not a comparison

A one-off discount is not an annual interest rate. Compare the actual cash received, all dollar costs, payment dates and the time until each arrangement completes. Ask each provider for a written breakdown using the same amount and period.

Other options worth checking

• Savings: consider how much emergency reserve would remain.
• A payment plan: ask the bill issuer about available terms and any fees.
• Existing finance: discuss eligibility, total costs and timing with your lender.
• Deferring the expense: decide whether it is essential now or can wait.

When to get advice first

If you are already struggling with repayments, planning a property sale, or applying for a mortgage, discuss the proposed rent redirection before committing. A bank declining a loan does not establish that an advance is suitable.

ASIC's Moneysmart budget planner can help you list ongoing income and expenses.