Short-Term
Designed to cover a defined gap, repaid when your permanent financing closes or deal completes.
Bridge Capital
The gap between where you are and where you need to be.
Get $5,000 to $10,000,000 in short-term bridge financing to cover funding gaps, close time-sensitive deals, and keep your business moving while longer-term capital is arranged.
Apply now
Applying will not impact your credit score.
- No collateral required
- Fast funding for time-sensitive situations
- No hard credit pull
Simple, fast, and clear
28,000
+
Businesses funded
85
%
Approval rate
$
5
K
-
$
10
M
Available funding
4.9
Trustpilot rating
How Bridge Capital Financing Works
Bridge capital is short-term financing that covers a specific gap: the space between needing capital and the arrival of permanent financing, sale proceeds, or other expected funds. It is not long-term debt but 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, whether that is a property closing, a financing round, a contract payment, or permanent financing that has not yet closed. In practice: you’re acquiring a business and your SBA financing is approved but won’t close for another 45 days. The seller has given you a deadline, so you need to demonstrate financial commitment now or lose the deal. Bridge capital covers the deposit immediately. You close, the SBA financing funds 45 days later, and you repay the bridge at closing.
SBG Funding’s bridge capital provides $5,000 to $10,000,000 for businesses with a defined funding gap. Unlike a business term loan built for a long-term need, bridge capital is structured around a specific event, with repayment timed to when that event resolves. Same-day decisions let you move on time-sensitive situations without waiting weeks for approval.
Banks move slowly. Bridge capital situations don’t wait. The two-to-eight-week bank approval timeline is often the problem rather than the solution. A bank underwrites the borrower over weeks; a bridge is a decision measured in days. Banks aren’t built to underwrite against a closing date, which means the deals most likely to fall through on timing are the ones a bank can help with least. SBG Funding does not perform a hard credit pull to apply for bridge capital, and applications are reviewed the same business day.
Bridge Capital Financing at a Glance
$5,000–$10,000,000
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.
Compare your options
See how SBG Funding stacks up against other financing sources.
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Other Online Lenders
2-7 days
$5K-$500K
Usually
$100K-$250K
550-600+ FICO
Sometimes
1+ year
Sometimes
Varies
1-3 days
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Apply Now
Won’t affect your credit score.
What Businesses Use Bridge Capital For
Bridge capital covers any defined funding gap with a known exit. Here are the most common situations.
When Bridge Capital 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, bridge financing 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 has closed, whether that’s SBA financing, a commercial mortgage, or an investment round. 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. A 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 financing takes 30 to 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.
All you need
to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates 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, meaning the closing date, expected payment, or financing event that will retire the bridge, is an important part of the application review.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Just 3 Steps to Get Funded
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.
1
Get Your Options
Our team reviews your application and presents bridge capital options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
2
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
3
28,000+
Businesses funded
$3B+
Funded since 2017
via Trustpilot
Alec Byron was the rep that helped us and wow was he awesome! Super helpful and fast which is exactly what we were hoping for. Highly recommended!
“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.”
5×
Inc. 5000 honoree
via Better Business Bureau
She was cheerful and very helpful with every phone call and all the questions that I hammered her with.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
George Faham and their team was amazing to work with and was a tremendous help for our business!
85%
Approval rate
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.
4.9
Google rating
via Better Business Bureau
I had an excellent experience from start to finish. The entire team was professional, friendly, and genuinely cared about providing outstanding service.
Frequently Asked Questions
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 financing. A clear, credible repayment plan can support approval even with a lower credit score.
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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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No. SBG Funding’s bridge capital is unsecured, so 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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A business term loan is structured for a defined long-term need such as equipment, expansion, or working capital, with repayment spread over 6 to 48 months. Bridge capital is structured around a specific short-term gap with a defined repayment event: a closing, a payment, a financing close. Bridge financing is 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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Bridge capital financing 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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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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Yes. Business acquisitions are one of the most common bridge capital use cases, covering deposit, earnest money, or initial acquisition costs while SBA financing, commercial financing, or investor capital is being finalized. Bridge capital keeps the deal alive during the permanent financing window.
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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 financing will be repaid before applying.
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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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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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Yes. Bridge capital is often used in combination with other financing. For example, bridge capital covers an immediate acquisition deposit while SBA financing 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.
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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.
Applying will not impact your credit score.