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Bridge Capital Loan at a Glance
Short-Term
Designed to cover a defined gap — repaid when your permanent financing closes or deal completes.
$5,000–$1,000,000
Available financing amount based on your business profile and funding need.
Same-Day Decisions
Bridge capital situations are time-sensitive. We review applications the same business day.
How Bridge Capital Loans Work
A bridge capital loan is short-term financing designed to cover a specific gap — between the moment you need capital and the moment your permanent financing, sale proceeds, or other expected funds arrive. Bridge loans are not long-term debt. They are a temporary structure: you borrow for a defined period, use the funds to keep a deal or operation moving, and repay when the underlying event resolves — a property closing, a financing round, a contract payment, or a longer-term loan that takes time to process.
Here’s what that looks like in practice: you’re acquiring a business and your SBA loan is approved but won’t close for another 45 days. The seller has given you a deadline. You need to demonstrate financial commitment now or lose the deal. A bridge capital loan covers the deposit or initial acquisition cost immediately — you close on the deal, the SBA loan funds 45 days later, and you repay the bridge loan at closing. The permanent financing was always the plan. The bridge loan made sure you got there.
SBG Funding’s bridge capital loans provide $5,000 to $1,000,000 in short-term financing for businesses navigating a defined funding gap. Unlike a business term loan structured for a long-term need, bridge capital is built around a specific event or timeline — with repayment structured around when that event resolves. Same-day decisions mean you can move on time-sensitive situations without waiting weeks for approval.
SBG Funding does not perform a hard credit pull during the application process. Bridge capital applications are reviewed the same business day they are submitted — because bridge situations rarely allow for a two-week underwriting timeline.
Why Businesses Choose SBG Funding for Bridge Capital
Banks move slowly. Bridge capital situations don’t wait. When you need short-term financing to cover a defined gap, the two-to-eight-week bank approval timeline is often the problem — not the solution.
SBG Funding
Traditional Bank
When a Bridge Capital Loan Is the Right Choice
Bridge capital is purpose-built for defined gaps with a known resolution timeline. If you know when the permanent funds arrive, a bridge loan gets you there.
You’re Closing a Deal Before Permanent Financing Arrives
Acquisitions, real estate transactions, and partnership buyouts often require capital commitment before longer-term financing — an SBA loan, a commercial mortgage, or an investment round — has closed. Bridge capital covers the gap between deal deadline and financing timeline, so you don’t lose the opportunity while the permanent structure is being finalized.
You’re Waiting on a Large Payment or Contract Settlement
A significant client payment, a contract settlement, or a real estate closing that will generate substantial funds — but not today. Bridge capital covers operating costs, payroll, or a pending obligation while you wait for the known, expected payment to arrive. The business line of credit handles recurring gaps; bridge capital handles a single defined one.
You Need to Move Faster Than Your Permanent Financing Can
SBA loans take 30–90 days. Commercial mortgages take longer. Equipment financing has documentation requirements. When an opportunity requires capital now and your permanent financing is weeks away, bridge capital buys you the time — with same-day funding and repayment structured around your closing date.
What Businesses Use Bridge Capital Loans For
Bridge capital covers any defined funding gap with a known exit — here are the most common situations.
Business Acquisitions
Covering deposit, earnest money, or initial acquisition costs while an SBA loan or commercial financing closes. Bridge capital keeps the deal alive during the permanent financing window.
Real Estate Transactions
Bridging the gap between a property purchase deadline and a permanent commercial mortgage closing. Common in owner-occupied real estate acquisitions where timing between sale and financing doesn’t align.
Payroll and Operations During a Transition
Covering operating costs — payroll, rent, supplier payments — during a defined transition period: a major client payment pending, a financing round not yet closed, or a seasonal gap with a known end date.
Debt Payoff Before Refinancing
Retiring a maturing loan or paying off a high-cost obligation before a lower-rate refinancing closes. Bridge capital handles the immediate payoff; the permanent refinancing handles the long-term structure.
Time-Sensitive Opportunities
An inventory deal, a distressed asset, or a competitor’s lease — opportunities that require immediate capital commitment and can’t wait for a conventional underwriting timeline. Bridge capital funds in 24 hours.
Construction and Project Gaps
Covering costs between project draw releases, completion payments, or construction loan disbursements. Bridge capital keeps projects moving when the permanent project financing has gaps in its disbursement schedule.
All You Need to Qualify
$250K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
No collateral. No hard credit pull. No upfront fees.
SBG Funding evaluates more than 50 factors when making bridge capital lending decisions, including your revenue history, the specific gap being bridged, and the expected repayment source. A clear repayment plan — the closing date, expected payment, or financing event that will retire the bridge — is an important part of the application review.
What Business Owners Are Saying
Real businesses. Real results.
★★★★★
“We recently worked with Charles Moller to secure bridge funding for our company’s expansion, and the experience was outstanding from start to finish. Charles was professional, transparent, and proactive in helping us find the right lending solution to meet our needs. He took the time to understand our business, communicated clearly throughout the process, and ensured every detail was handled efficiently. Thanks to his guidance, we were able to secure the funding we needed quickly and smoothly.”
Justin S. from California
via Trustpilot
★★★★★
“When I was looking for a bridge loan for my company I came across SBG Funding and was contacted by Frank. He made the process very easy, which as a business owner goes a long way as we are usually pressed for time. When I had any questions Frank answered with informed information so I was able to make the best decision for my company.”
Danielle Y. from Florida
via Trustpilot
Just 3 Steps to Get Funded
01
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs — no lengthy paperwork to get started.
02
Get Your Options
Our team reviews your application and presents loan options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
03
Receive Your Funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
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Can I get a bridge capital loan with bad credit?
SBG Funding requires a minimum FICO score of 500. For bridge capital, we place significant weight on the clarity and certainty of your repayment source — the closing date, expected payment, or financing event that will retire the bridge loan. A clear, credible repayment plan can support approval even with a lower credit score.
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How quickly can I get funded?
After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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Do I need collateral for a bridge capital loan?
No. SBG Funding’s bridge capital loans are unsecured — you are not required to pledge real estate, business assets, or personal property. The clarity and certainty of your repayment source is the primary underwriting consideration.
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How is a bridge loan different from a term loan?
A business term loan is structured for a defined long-term need — equipment, expansion, working capital — with repayment spread over 6 to 48 months. A bridge capital loan is structured around a specific short-term gap with a defined repayment event — a closing, a payment, a financing close. Bridge loans are typically shorter in duration and tied to a specific expected repayment source. If you have an ongoing capital need rather than a defined gap, a term loan is likely the better fit.
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How long are bridge capital loan terms?
Bridge capital loan terms vary based on the specific gap being bridged and the expected repayment timeline. Terms are typically shorter than conventional business loans — ranging from a few weeks to several months — and are structured around your repayment event. Contact your funding specialist to discuss the appropriate term for your situation.
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What is the difference between bridge capital and a business line of credit?
A business line of credit provides revolving access to working capital for ongoing or recurring cash flow needs — you draw, repay, and draw again as needed. Bridge capital is a single, defined advance for a specific gap with a known repayment event. If your funding need is recurring and unpredictable, a line of credit is the right fit. If it’s a one-time, time-bounded gap with a clear exit, bridge capital is the right tool.
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Can I use bridge capital to fund a business acquisition?
Yes. Business acquisitions are one of the most common bridge capital use cases — covering deposit, earnest money, or initial acquisition costs while an SBA loan, commercial financing, or investor capital is being finalized. Bridge capital keeps the deal alive during the permanent financing window.
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Do I need to know my repayment source when I apply?
Yes. Bridge capital is underwritten around a specific repayment event — a closing, a payment, a financing close, or another defined source of funds. The clarity and credibility of your repayment plan is one of the most important factors in the approval decision. You should be able to identify when and how the bridge loan will be repaid before applying.
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Can bridge capital be extended if my permanent financing takes longer than expected?
Extensions are evaluated case by case and are not guaranteed. Bridge capital is designed for defined gaps with known timelines — if your repayment event is delayed, contact your funding specialist as early as possible to discuss options. We recommend applying for bridge capital only when you have a credible, near-term repayment source.
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How is SBG Funding different from a bank?
The primary differences are speed, flexibility, and qualification criteria. Banks typically require 2–8 weeks for approval, collateral, a hard credit pull, and often a FICO score above 680. SBG Funding makes same-day decisions, requires no collateral, performs no hard credit inquiry, and accepts FICO scores of 500+. We evaluate more than 50 factors — including your revenue history and deposit patterns — rather than relying primarily on credit score.
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What documents do I need to apply for bridge capital?
To get started, you need your 4 most recent business bank statements and documentation supporting your repayment source — a purchase agreement, commitment letter, contract, or other evidence of the expected payment or financing close. No lengthy business plan or audited financials are required to begin the process.
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Can I use bridge capital alongside other SBG Funding products?
Yes. Bridge capital is often used in combination with other financing — for example, bridge capital covers an immediate acquisition deposit while an SBA loan closes, or covers operating costs while a term loan is being processed. Contact your funding specialist to discuss how bridge capital fits within your overall financing structure.
Don’t Let Timing Kill Your Deal
Bridge capital exists for exactly this moment — when you have a defined need, a known resolution, and a gap in between that can’t wait for a bank’s underwriting timeline. SBG Funding reviews bridge capital applications the same business day and funds in as little as 24 hours. Apply online in minutes. No collateral, no hard credit pull, no obligation.
