A bridge loan for fast access to funds
Short-term working capital designed to help cover urgent costs while your business waits on longer-term financing or a larger transaction to close.
Checking your options won't affect your credit.
What is a bridge loan?
A bridge loan is short-term financing that helps bridge the gap between a business's immediate capital need and a longer-term financing solution. It can provide a lump sum of working capital while your business waits for permanent financing, a real estate transaction, expansion funding, or another larger capital event.
This type of financing can be useful when timing matters. If the traditional loan process is taking longer than your business can afford to wait, a bridge loan may help you move quickly, manage cash flow, purchase real estate, expand operations, or cover unexpected costs.
BFS works with funding partners to help businesses explore bridge loan options with straightforward terms, automatic payments, and access to capital that can move faster than many long-term financing processes.
Short-term capital for timing gaps
Bridge loans are built for businesses that need fast access to funds while waiting for a longer-term solution.
Fixed payments
Payments are automatically withdrawn from the business bank account on a daily, weekly, or monthly schedule, depending on the option selected.
Flexible term options
Terms may start around three months and can extend up to five years, based on lender approval, qualifications, and use of funds.
Fast access to capital
Bridge financing can help you cover immediate needs while longer-term financing, real estate funding, or another capital source is pending.
When a bridge loan makes sense
A bridge loan can be a strong option when your business has a near-term funding need but expects a longer-term solution or larger capital event in the future. It is designed to solve the timing gap between needing funds now and securing more permanent financing later.
Businesses may use bridge loans for real estate opportunities, expansion costs, cash-flow timing, urgent repairs, acquisition-related expenses, or other short-term needs where waiting could mean missing an opportunity.
A strong fit for businesses that need:
- ✓Fast capital while long-term financing is pending
- ✓Funds for real estate, expansion, repairs, or cash-flow gaps
- ✓A short-term financing solution with structured payments
- ✓Working capital before a larger transaction closes
- ✓Advisor support comparing bridge and longer-term options
Bridge loans help your business access funds while securing long-term financing
You only need a few important items to start your application.
Valid identification
A driver's license or other government-issued form of identification.
Business bank details
Your business bank account number and routing information for verification and funding.
Recent bank statements
Typically your last three months of business bank statements or account history.
Financing goal
Details on the funding gap, requested amount, and expected long-term financing or use of funds.
Apply in a few minutes. Receive funds in a few days.
Easy application
Apply online or contact an advisor. We'll collect recent statements, business details, and information about your funding need.
Review
Your application, revenue, cash flow, and intended use of funds are reviewed to determine available bridge loan options.
Approval & funding
If approved, complete final verification and receive funds directly into your business bank account.
Next-step support
Your advisor can help you evaluate future funding needs and longer-term options as your business moves forward.
Bridge loan FAQs
Bridge loans with BFS
Access capital when timing matters. Our advisors can help your business compare bridge financing options and find a path that supports both immediate needs and long-term growth.