Bridge

Explore real estate–secured and unsecured bridge financing designed with a documented exit to SBA 7(a) or CDC/504. Align use of funds, occupancy (51%/61%), and packaging for a smoother refinance.

Bridge to SBA

When timing is tight or packaging isn’t ready, a short-term bridge can help you move now—then refinance into SBA 7(a) or CDC/504 once eligibility and documentation are in place. We focus on responsible structures with an SBA-refinance-eligible path, so today’s steps set up tomorrow’s approval.

Bridge options

Real estate bridge loans

Interest-only, short-term financing secured by the subject property. Useful for purchases under contract, renovations, or balloon takeouts while the SBA file is finalized.

  • Typical term: 6–24 months
  • Designed for SBA 7(a) or 504 takeout
  • Business owner-occupancy mapped (51% existing; 61% new construction)

Unsecured bridge loans

Fast, collateral-light working capital—often for deposits, inventory, or launch costs—with a documented plan to refinance into SBA when eligible.

  • Often up to $1,000,000 (case-by-case)
  • 6–18 month terms typical
  • Personal guaranty common

Designing for SBA refinance eligibility

  • Use-of-funds mapping: Bridge proceeds mirror intended SBA purposes (purchase, eligible refi, improvements, working capital as permitted).
  • Occupancy & eligibility: Plan for business owner-occupancy thresholds—51%+ existing buildings; 61%+ new construction.
  • Documentation trail: Contracts, invoices, and draw support organized now to port cleanly into the SBA file.
  • Cash-flow view: Pro-forma DSCR and sensitivity aligned to the future SBA structure.
  • Timeline: Clear milestones for packaging, third-party reports, and lender checkpoints.

Where a bridge helps

  • Property under contract; third-party reports and SBA packaging still in flight
  • Renovation or build-out needed to reach occupancy thresholds
  • Balloon or interim debt needing a structured takeout plan
  • Deposits and working capital to keep schedules on track

Our process

  1. Pre-qualification & fit: goals, timing, occupancy, and program alignment
  2. Packaging: underwriter-ready narrative, sources/uses, DSCR view, and checklist for both bridge and SBA
  3. Lender match: targeted bridge providers plus Preferred SBA Lenders (PLP) for the takeout to help shorten review cycles
  4. Execution: third-party items scoped with the SBA end-state in mind

Next steps

We’ll confirm eligibility, outline realistic options, and map a timeline from bridge to SBA. No obligation.

Request bridge options Talk to a specialist

All financing is subject to credit approval, program availability, and lender guidelines. Terms and timelines are not guaranteed and may change without notice.