Bridge Loans

Short-term financing to bridge the gap until permanent funding arrives

What is a Bridge Loan?

A Bridge Loan is short-term financing designed to "bridge" the gap between an immediate funding need and expected future capital. If you're expecting a large payment, investment, property sale, or long-term loan approval in the near future but need capital right now, a bridge loan provides immediate liquidity.

These loans are typically repaid within 2 weeks to 12 months and can be secured quickly, making them ideal for time-sensitive business opportunities or urgent financial needs.

💡 Perfect For:

Businesses waiting on: property sales, investor funding, SBA loan approval, large invoices, seasonal revenue, or asset liquidation.

Advantages & Considerations

✓ Advantages

  • Fast approval and funding (often 24-48 hours)
  • Flexible repayment terms
  • Keep your long-term financing plans on track
  • Seize time-sensitive opportunities
  • No long-term commitment
  • Available when banks say "wait"
  • Simple application process
  • Can be secured by expected receivables

⚠ Considerations

  • Higher interest rates than long-term loans
  • Short repayment period
  • May require collateral or security
  • Requires clear exit strategy (repayment plan)
  • Not suitable for ongoing operating expenses
  • Fees and closing costs may apply

Qualification Requirements

  • Clear Exit Strategy: Documented plan for how loan will be repaid
  • Time in Business: Minimum 6-12 months of operation
  • Expected Funding: Evidence of pending payment, sale, or loan approval
  • Bank Statements: Recent business bank statements
  • Credit: Flexible credit requirements
  • Collateral: May require assets or future receivables as security

Common Situations for Bridge Loans

🏠 Property Transactions

Buying new property before selling current one

💼 Pending Investment

Waiting for investor funds to close

🏛️ SBA Loan Processing

Need funds while SBA loan is being processed

📄 Large Invoice

Major customer payment expected soon

🎯 Business Opportunity

Time-sensitive deal or contract

📈 Seasonal Business

Waiting for peak season revenue

How Does It Work?

1. Identify Need: Determine your immediate funding need and expected repayment source.

2. Apply: Submit application with documentation of your exit strategy.

3. Fast Approval: Get approved within hours or days, not weeks.

4. Receive Funds: Get capital in your account within 24-48 hours.

5. Repay: Pay off the bridge loan when your expected funding arrives.

Exit Strategies (How You'll Repay)

✓ Refinancing

Replace with long-term financing once approved

✓ Asset Sale

Sale of property, equipment, or business assets

✓ Receivables

Payment of large invoice or contract payment

✓ Investment/Capital Injection

Investor funds, partner capital, or business sale

Key Benefits for Your Business

  • ✓ Funding from $25,000 to $5 million
  • ✓ Terms from 2 weeks to 12 months
  • ✓ Fast approval (24-48 hours)
  • ✓ Flexible exit strategies
  • ✓ Keep business opportunities moving
  • ✓ No long-term commitment

Ready to Apply?

Get bridge financing to keep your business moving forward

Apply Now