Bridge Financing

What is bridge financing?

A bridge loan is short-term financing designed to cover a gap — providing capital now while the business waits for a longer-term event, such as a property sale, a refinance, permanent financing, or another expected source of funds. When that event happens, the bridge financing is typically repaid.

Because bridge financing is short-term by design, the exit — how and when it will be repaid — is central to the request. Funding sources generally want to see a clear, realistic path to that exit.

Common uses

• Purchasing property before long-term financing is finalized
• Covering a timing gap during a refinance
• Moving on a time-sensitive opportunity while a sale or other funding is pending
• Keeping operations steady through a transition, such as an acquisition
• Closing a deal that can't wait for a longer approval process

Who it may fit

Bridge financing may fit established businesses facing a defined, temporary gap with a credible plan to repay it. Because terms can differ widely between short-term and long-term options, it's worth comparing bridge financing with the alternatives — your advisor can help you weigh them before you commit.

What information may be needed

• Details of the gap and the planned exit, such as a pending sale, refinance, or financing commitment
• Recent business bank statements and financial statements
• Property details and a purchase agreement, if real estate is involved
• A schedule of your existing business debt
• Business formation documents, such as articles of organization or incorporation and the operating agreement or bylaws
• A photo ID for each owner with 20% or more ownership

You'll only be asked for what a given option actually requires, and documents are collected through a secure upload link — never through this website's forms.