Bridge

Move fast with real estate & equipment-secured bridges, plus fully amortized unsecured options (often up to $1M). Designed for SBA 7(a)/504 takeout with private non-bank partners.

Bridge to SBA & short-term options

When timing matters, bridge financing helps you act now and refinance when the file, property, or market is ready. We arrange business-purpose real estate bridges, equipment-secured bridges, and fully amortized unsecured options—designed with a documented exit to SBA 7(a) or CDC/504 (real-estate only with our private non-bank SBA partners).

What we offer

Real estate bridge

  • Interest-only payments
  • Typical terms 6–24 months
  • Purchase, renovation, reposition, or carry
  • No-appraisal programs available in select cases
  • Built as a Bridge-to-SBA with a written takeout plan (7(a) or 504)

Equipment-secured bridge

  • Collateralized by essential equipment
  • Deposits, fast-track orders, or install timelines
  • Structured to transition to SBA 7(a)/504 when eligible

Unsecured bridge (fully amortized)

  • Fast evaluation and simple documentation
  • Working capital, deposits, closing gaps
  • Fully amortized (no interest-only), often up to $1,000,000 (credit-dependent)
  • May be eligible for SBA refinance depending on use of funds and guidelines

Bridge-to-SBA: how the takeout works

We design the bridge around an SBA takeout, so your documentation carries forward and timelines stay organized:

  • Occupancy & eligibility mapped up front: 51%+ for existing buildings; 61%+ at completion for new construction.
  • Use-of-funds parity: bridge proceeds mirror intended SBA purposes (purchase, eligible refi, improvements, closing costs, eligible working capital).
  • Documentation trail: contracts, invoices, and draw support compiled for SBA underwriting.
  • Coverage view: interim budget and pro-forma DSCR aligned to the future SBA structure.
  • Milestones: packaging, third-party reports, and lender checkpoints scheduled from the start.

Common use cases

Acquisition timing

  • Secure a property while diligence continues
  • Competitive offers that require quick close
  • Bridge to stabilization or SBA takeout

Project & cash flow

  • Renovation and light capex
  • Inventory, launch, or seasonality
  • Carry to refinance or sale milestone

How the process works

  1. Pre-qualification. Goals, exit path (SBA 7(a)/504), leverage, and timeline.
  2. Checklist. For real estate: contract or payoff data, rent roll, trailing ops. For unsecured: bank statements and recent financials.
  3. Lender alignment. Match with capital sources that fit the asset, plan, and takeout path.
  4. Underwriting & terms. Confirm structure, conditions, and timing; align third-party items with the SBA plan.
  5. Closing & funding. Coordinate final items and set milestones for the SBA refinance.

Key considerations

  • Exit strategy: Refinance (SBA 7(a)/504), sale, or operating cash flow plan agreed up front.
  • Leverage & pricing: Sized to asset quality, cash flow, and timeline.
  • Reports: Select programs may not require an appraisal; environmental, title, or other third-party items may still be needed.
  • Prepayment: Step-down or minimum-interest provisions may apply; we outline tradeoffs in advance.
Request Bridge-to-SBA options Talk to a specialist

Information above is general and may not apply to every situation. Final terms, eligibility, and timing are determined by the lender. We help you set realistic expectations and present the strongest possible file.