What is an asset-based bridge loan?

An asset-based bridge loan is short-term financing secured primarily by the value of eligible assets. It can provide liquidity for qualified situations when a borrower needs capital before longer-term financing is available or appropriate.

What types of assets can be used as collateral?

Eligible collateral may include construction equipment and heavy machinery, luxury and exotic vehicles, boats and yachts, aircraft, fine watches, jewelry, fine art, precious metals, collectibles, and other qualified high-value assets. Eligibility and value are determined through underwriting.

Is asset-based financing based primarily on my credit?

These financing options focus primarily on the eligible asset and its verified value rather than traditional credit and income underwriting. Final approval remains subject to the lender's underwriting and transaction requirements.

Do I have to sell my asset to access the capital?

No. The purpose of the financing is to borrow against the value of eligible collateral rather than sell it. The specific custody, insurance, possession, and collateral requirements depend on the asset and the final loan terms.

Can multiple assets be used to support one financing request?

Potentially. Qualified financing may be structured around a single eligible asset or multiple assets, depending on asset type, verified value, and lender underwriting.

Can an asset-based bridge loan be refinanced later?

Potentially. Repayment or refinancing may involve business cash flow, a planned asset sale, conventional bank financing, or SBA or USDA financing when eligibility and lender requirements are met.

Why work with Market Direct Capital on asset-based bridge financing?

Market Direct Capital can evaluate the immediate asset-based financing need and consider appropriate repayment and refinancing strategies, including conventional bank and eligible SBA or USDA options.

Private Capital Financing | Market Direct Capital

Financing Beyond Traditional Bank Requirements

Not every business financing request fits a conventional bank's credit policies, timeline, or collateral requirements. Private capital can offer additional structures for qualified borrowers and transactions.

Market Direct Capital™ evaluates the financing purpose, business performance, available collateral, timing, and proposed repayment plan to identify appropriate private funding sources.

Private capital may be a stand-alone financing solution or a transitional step toward conventional bank, SBA, or USDA financing when a future refinance is feasible and permitted.

Private Capital Advantages

Alternative underwriting approaches
Flexible transaction structures
Options for time-sensitive needs
Secured and select unsecured financing
Solutions for specialized collateral
Business-purpose and investment real estate options
Defined repayment and exit strategies

What Private Capital Can Finance

Availability depends on the business, collateral, transaction, and funding source.

Working Capital

Capital for operations, inventory, payroll, expansion, and other qualified business needs.

Explore working capital

Business Lines of Credit

Revolving or other flexible credit facilities for ongoing liquidity needs, when available.

Explore lines of credit

Equipment Financing

Funding for machinery, vehicles, equipment purchases, or qualifying equipment-backed transactions.

Explore equipment financing

Commercial Real Estate

Acquisition, refinance, and bridge financing for eligible business-use and investment properties.

Explore real estate financing

Business Acquisitions

Financing structures for eligible acquisitions, ownership transitions, and related business needs.

Explore acquisition financing

Bridge and Asset-Based Loans

Short-term funding secured by qualifying real estate, equipment, or other eligible assets.

Explore asset-based bridge loans

Specialized Private Financing

Merchant Cash Advance Refinancing

Multiple merchant cash advances can place significant pressure on a business's cash flow. For qualified businesses, MDC has access to a private funding option that may refinance up to two merchant cash advances.

Eligible transactions may offer monthly payments and terms up to 24 months, subject to underwriting and approval. This is a private capital solution, not an SBA MCA refinance program.

Potential Benefits

Refinance up to two existing MCAs
Monthly payment structure
Terms up to 24 months
Cash flow and repayment strategy review

Discuss MCA Refinancing

How Market Direct Capital Approaches Private Financing

Understand the Need

Clarify financing amount, purpose, timing, and business objectives.

Evaluate the Structure

Review cash flow, collateral, financial information, and available options.

Identify Funding Sources

Match qualified requests with private lenders and other appropriate capital providers.

Plan the Repayment

Evaluate repayment capacity, maturity, collateral release, and potential exits.

Private Capital, Conventional Bank, or SBA Financing?

The right source depends on the financing purpose, business history, repayment capacity, collateral, and timing. Private capital can offer flexibility, while conventional bank financing and SBA or USDA programs may be appropriate for qualifying longer-term transactions.

MDC evaluates these alternatives together rather than assuming one financing program fits every business.

Explore Other Financing Sources

Private Capital Financing Questions

Private capital financing is funding provided by nonbank lenders and private funding sources. Terms, collateral, documentation, and repayment structures depend on the transaction and lender.

Depending on the funding source, private capital may support working capital, business lines of credit, equipment, commercial real estate, business acquisitions, and other qualified business purposes.

For qualified businesses, Market Direct Capital has access to a private financing option that may refinance up to two merchant cash advances, with monthly payments and terms up to 24 months. Approval and terms are subject to underwriting.

No. Private capital can also be useful when a transaction requires speed, flexibility, or a structure that conventional bank financing does not readily accommodate.

Potentially, when the borrower, use of proceeds, loan structure, and lender or program rules allow it. A refinance is never guaranteed, and some obligations, including merchant cash advances, may not be eligible for SBA refinancing.

Let's Find the Right Capital Structure for Your Business

Discuss your financing needs with Market Direct Capital™. We'll evaluate private capital and other suitable financing sources based on your objectives.

Request a Financing Consultation