Capital for the gap between
now and the close.
Bridge funding from $50K to $5M for businesses awaiting a real estate closing, SBA approval, receivable, or refinance. Funded in 3-7 days against a documented exit.
- 30 days to 12 months
- Sized to a documented exit
- $50K to $5M positions
- 3-7 business days to fund
Risk-free, no-commitment application. No hard credit pull to check options.
$10B+ deployed
Across 50 states
24-hour approvals
Most offers same-day
Direct lender
Not a broker
No upfront fees
Zero application cost
Two events that refuse to line up.
Almost every bridge we fund starts the same way. A business owner has done the work. The refinance is approved. The buyer is under contract. The SBA commitment letter is in hand. The contract receivable is signed. But the calendar refuses to cooperate — the inflow lands in 60 or 90 days, and the obligation it was supposed to fund lands tomorrow. The deal is real. The gap is real. And no traditional bank product exists to span the gap on the timeline the situation demands.
Bridge funding solves exactly this problem. The position is sized against the future event, not against trailing revenue alone. The term matches the gap. The exit is engineered into the structure from day one. When the larger event closes — the property sells, the SBA wires, the receivable lands, the refinance funds — the bridge retires and the operator continues forward. It is not a permanent capital instrument. It is a mechanical fix for a calendar mismatch.
The most common bridge scenarios we fund
Commercial real estate transactions where a buyer needs to close on a new property before their current property's sale completes. SBA 7(a) and 504 borrowers carrying signed commitments and waiting on 60 to 120 day funding timelines — most often for payroll, inventory, or build-out costs the SBA loan itself will reimburse. Government contractors holding signed contracts on net-60 or net-90 terms who need to staff up and buy materials to deliver. Operators in the middle of a bank refinance whose existing facility matures before the new one funds. Sellers under letter of intent who need working capital to keep the business attractive through closing diligence. Estate and partnership transitions where capital is locked in legal process but the operating business cannot pause.
What makes a bridge file fundable
The single variable that drives a bridge approval is the credibility of the exit. A signed purchase contract, a recorded SBA commitment, a fully executed receivable assignment, a payoff letter from a refinancing institution — these are documents we underwrite directly. A bridge against a documented exit event prices at a fraction of a standard working capital position because the lender's risk window is concrete and time-boxed. A bridge against a hoped-for outcome is not a bridge — it is just expensive working capital, and we will tell you that before we quote.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
From identified gap to funded bridge within the week.
- 01
Document the exit
Send us the proof of the future inflow — purchase contract, SBA commitment, signed receivable, payoff letter, or refinance term sheet.
- 02
Structure to the calendar
We size the bridge to the exit amount and timeline. Term, repayment, and balloon land before underwriting begins.
- 03
Underwrite the operator
Standard file — four bank statements, application, ID. The bridge structure dictates how we weigh trailing revenue vs. exit credibility.
- 04
Fund and schedule the payoff
Funds wire on close. We confirm exit dates with you and your counterparties so retirement of the bridge runs cleanly.
When a bridge beats every other instrument.
The bridge is structurally different from a working capital advance, a term loan, or a line of credit. It is the right instrument in a narrow set of situations, but in those situations it is dramatically better than the alternatives. Three patterns drive most of our bridge volume. First, the buyer who has found the right next property but has not yet sold the current one — a bridge against the existing property's expected sale beats trying to negotiate a longer close on the new purchase. Second, the SBA borrower with months between commitment and funding — a bridge keeps the underlying business moving while the institutional capital lumbers through closing. Third, the contractor or supplier delivering against a signed contract whose payment terms are mismatched to delivery costs — a bridge against the assigned receivable funds the work the receivable will pay for.
In each case, the alternative is some version of accepting a worse deal — a lower sale price for the existing asset, a missed acquisition, a contract you cannot deliver against, a refinance window that closes. The cost of the bridge is almost always lower than the cost of those worse outcomes. The arithmetic is what makes the instrument work.
Real estate-specific bridges
Commercial real estate bridges are their own category. We fund operators who own or are acquiring commercial property — owner-occupied properties tied to their operating business, investment properties they hold for income, or transitional assets they are repositioning. The bridge is sized against either the sale of a current asset, a take-out refinance, or the stabilized value of a newly acquired property. Loan-to-value generally stays under 70% of the conservative valuation. Real estate bridges typically run 6 to 12 months with the option to extend if the exit slips.
Operator profile we fund
Bridge funding is not a starter product. The operators we fund on bridges are typically more established than our straight working capital clients — usually three or more years in business, with documented exits and existing institutional relationships. Personal credit is weighed but not decisive; the exit document does the heavy lifting. We have funded bridges for restaurant groups acquiring new locations, contractors awaiting receivable payment from named GCs and government entities, manufacturers waiting on equipment finance to fund, and dental and medical practices closing on real estate. The thread is always the same: documented inflow, defined gap, sized accordingly.
See what you could qualify for.
A real-time indicator based on monthly revenue and time in business. Apply for an exact offer in under five minutes.
Conservative
$42,000
Likely offer
$53,813
Upper range
$65,625
Estimates only — actual offers depend on full underwriting.
Questions worth answering.
Related capital and reading
Working Capital Loans
Longer-term capital with no fixed exit event — sometimes the right alternative to a bridge.
MCA Consolidation
Restructure stacked positions into a single longer-term position.
Same Day Funding
When the gap is hours, not weeks.
Construction Funding
Bridges sized against signed contracts, retainage, and AIA pay applications.
Medical Practice Funding
Bridges into SBA, equipment finance, and practice acquisition.
Bridge vs Working Capital
How to pick the right instrument for a calendar mismatch.
Your next chapter is one
application away.
Five minutes. No credit pull. No obligation. See what you qualify for and decide on your own terms.