$25K - $1M
Bridge Loans
A bridge loan is short-term business financing of $25K to $1M, repaid over 3 to 18 months, that covers a cash gap until a known repayment event such as a property sale, a large receivable or a long-term loan closing. Lenders weigh that exit heavily, and many applications are approved within 24 to 48 hours.
Written by Jordan Levy, Founder & CEO · Last updated
Bridge Loans
$25K - $1M
What is a bridge loan?
Bridge loans are designed for businesses that need capital now but have a clear repayment event on the horizon. Whether you're waiting on a large receivable, navigating a seasonal revenue dip, closing on a property, or waiting for long-term financing to fund, a bridge loan provides the capital to keep operations running smoothly. These are short-term instruments — typically 3 to 18 months — with flexible repayment structures that accommodate your specific situation.
Key Features
- Fast turnaround for urgent needs
- Flexible repayment structures
- Terms from 3 to 18 months
- Designed for transitional situations
Funding Range
$25K - $1M
Category
Working Capital
Flexible funding to cover payroll, inventory, and growth initiatives.
Ready to get started?
Apply once and we will match you with the best options for your business.
Start ApplicationStep by Step
How does a bridge loan work?
Describe your situation
Tell us about the gap you need to bridge — a pending receivable, a seasonal dip, a real estate closing, or another transitional need. Context helps us find the right structure.
Get a tailored proposal
We match you with lenders who specialize in short-term bridge financing and present offers with clear terms, including repayment triggers and exit strategies.
Receive fast funding
Bridge loans are designed for speed. Most close within days, not weeks, getting capital into your account when timing matters most.
Repay when your event clears
Pay off the bridge when your receivable lands, your long-term financing closes, or your property sale completes. The structure fits your timeline.
Why Choose This Product
Why use a bridge loan?
Speed When It Matters
Bridge financing is built for urgency. Fast underwriting, fast decisions, fast funding.
Flexible Structure
Interest-only periods, balloon payments, or custom schedules aligned to your repayment event.
Keep Momentum
Don't let a temporary cash gap stall your business. Bridge the gap and keep moving forward.
Eligibility
Who qualifies for a bridge loan?
- Minimum 600 credit score
- At least 1 year in business
- A clear repayment event or exit strategy (e.g., pending receivable, property sale, refinance)
- At least $400,000 in annual revenue
- Most industries eligible
Real-World Scenarios
How do businesses use a bridge loan?
An established distributor needs $200K to cover three months of operating costs while an SBA loan works through approval, repaying the bridge from the SBA proceeds.
A wholesaler has a $400K purchase order from a major retailer but needs $150K now to fulfill it. The bridge is repaid when the retailer pays net-60.
A real estate investor needs $500K in gap funding while waiting for a commercial property sale to close, then repays from the sale proceeds.
Compare
How does a bridge loan compare to other options?
Bridge loans serve a different purpose than term loans — they are short-term instruments with a specific exit event, while term loans are designed for longer repayment over months or years. Compared to a line of credit, bridge loans are typically available in larger amounts and with more flexible repayment structures, but they are not revolving. Factoring is an alternative if your gap is caused by unpaid invoices, though factoring involves selling the invoices rather than borrowing against a future event.
Frequently Asked Questions
Common questions about Bridge Loans
The minimum is a 600 credit score. Because bridge loans are often secured by a specific repayment event or collateral, lenders weigh the strength of that event heavily alongside your score.
Bridge loans are built for speed. Many applications are approved within 24-48 hours, with funding following within 1-3 business days. In urgent cases, same-day funding may be available.
You will need business bank statements, a government ID, and documentation supporting your repayment event — such as a purchase agreement, pending invoice, or commitment letter for the long-term loan that will repay the bridge.
Most bridge loan structures include provisions for reasonable delays. If your closing or receivable is delayed, work with your advisor to discuss extension options before the original term expires.
No. Bridge loans require at least 1 year in business, $400,000 or more in annual revenue and a 600 credit score, plus a clear exit such as a signed contract, purchase order, or long-term loan commitment. If your business is younger, our credit repair program has no time-in-business minimum and can help get your credit ready for when you reach the 1-year mark.
The initial application uses a soft credit pull that does not impact your score. A hard inquiry may occur only after you accept a specific offer.
By Industry
Which industries use a bridge loan?
More in Working Capital
Not sure which product is right?
Apply once and we will match you with the products that fit. Or reach out and talk to our team directly.