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# How TransBridj Is Disrupting Property Finance in South Africa
- URL: https://www.startup.africa/how-transbridj-is-disrupting-property-finance-in-south-africa/
- Published: 2025-08-11T13:00:34.000Z
- Updated: 2025-08-12T08:49:45.000Z
- Author: Lungile Msomi
- Tags: Startups

In South Africa, buying property comes with a hefty price tag, not only for the asset itself but also for associated costs such as legal fees, agent commissions and transfer duties. These expenses often create financial barriers, particularly for first-time or under-resourced buyers. But one [startup](https://www.startup.africa/introducing-startup-africa-digest-deal-flow-africa-for-founders-and-investors/) is tackling this challenge head-on: [TransBridj](https://transbridj.com/about-us/?ref=startup.africa), a fintech platform that’s rethinking the way property transactions are funded. 

## **A Digital Property Finance Platform for South Africa**

Launched in May 2025, TransBridj offers an automated, digital-first platform designed to streamline property transaction funding. By eliminating manual processes and accelerating fee settlements, it unlocks liquidity for sellers, conveyancers and estate agents alike. 

“Leveraging [artificial intelligence](https://www.startup.africa/cassava-technologies-announces-plans-to-build-africas-first-ai-factory/) on our interface, we are transforming real estate funding into a frictionless tech-powered experience for our users,” explains founder and CEO of TransBridj, Michael Lenz.

The company is a subsidiary of [TRT Industries](https://trtafrica.ltd/?ref=startup.africa), a Mauritian-based company that invests in and scales businesses across the technology, manufacturing and property sectors in Africa. 

Despite increasing urbanisation, property ownership in South Africa remains financially out of reach for many. While[ individual owners hold around 39% of the country’s total land areas](https://www.gov.za/sites/default/files/gcis%5Fdocument/201802/landauditreport13feb2018.pdf?ref=startup.africa), there is still a large amount who turn to rentals instead of property ownership. 

Lenz notes that while property financing itself is not new, the systems surrounding it are outdated. “We noted that there was a need for a digitised platform that removes not only the paper-trail but ensures users are paid within 24 hours of deal acceptance,” he says. “We also evolved the platform into a valuable business tool for conveyancing attorneys and realtors.”

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## **How TransBridj’s Property Bridging Finance Works**

TransBridj offers two main solutions for property sellers: 

- Bridging finance to cover upfront transaction costs, including compliance certificates, rates, taxes and levies.
- Access to conveyancing professionals who handle the legal documentation required to finalise a sale.

“The costs are bridged making life much easier for the seller who does not need to arrange for multiple different payments,” says Michael.

This kind of [short-term finance](https://www.startup.africa/tailored-financing-key-to-closing-startup-funding-gap/), often referred to as bridging finance, is typically used to cover costs incurred before a property transfer is finalised. TransBridj offers funding for: 

- Rates and taxes
- Property levies
- Certificates of compliance
- Estate agent commissions

Lenz believes this model represents more than just convenience, it’s a path toward a more inclusive and transparent property market. 

“By digitising contracts, enabling secure online bridging, and embedding ESG principles, we are helping to dismantle traditional barriers that have excluded many from property ownership and investment,” he says. TransBridj is not just digitising property bridging finance, it’s redefining its infrastructure.”

## **TransBridj Expansion Plans Across Africa**

Although the company launched in Gauteng, it has since expanded nationally and plans to expand into other African markets. Like many early-stage ventures, TransBridj is preparing for growth and looking to raise additional capital over the next 18 months. 

“As a disruptor and first-to-market business, we see the next year as one to ensure we keep ahead of our competitors, retaining our leadership as the ultimate disruptor in the sector,” concludes Lenz. 

With its innovative approach and growing traction, TransBridj is positioning itself as a key player in reshaping the future of property finance across the continent.