Unsecured Bridge Loans
Market Direct Capital helps businesses access short term bridge financing without traditional real estate collateral. Facilities can be unsecured or supported by limited collateral and guarantees, sized to cash flow and a clear use of funds.
Where unsecured bridge fits
Use an unsecured or limited-collateral bridge when timing is critical and the need is temporary.
- Deposits and gap funding: Earnest money, franchise fees, equipment deposits, or vendor prepayments.
- Closing or carry: Short runway to complete a transaction or cover near-term obligations.
- Working capital: Inventory, staffing, marketing, or project mobilization.
- Bridge to SBA or bank: Stabilize now while preparing a long-term takeout when eligible.
Typical structures
Terms vary by revenue profile, margins, seasonality, and overall risk.
- Term range: Commonly 3 to 18 months, extensions case by case.
- Payments: Weekly or monthly. Interest-only or fixed amortization based on profile.
- Security: Unsecured or limited-collateral. Personal or corporate guarantees may be requested.
- Use of funds: Broad business purposes with concise documentation.
What lenders review
Underwriting focuses on repayment ability and the credibility of the plan.
- Revenues and cash flow: Trends, margins, and seasonality.
- Bank activity: Average balances, deposits, and variances.
- Financial snapshot: Recent statements and basic schedules.
- Experience: Management background and execution plan.
- Support: Guarantees or supplemental collateral if leverage is high.
Process
Documentation is kept concise so decisions arrive quickly and terms remain clear.
- Read-out: Goals, timing, revenue summary, and use of funds.
- Packaging: Lender-ready summary with requested statements.
- Approval: Confirm term, payment cadence, and any conditions.
- Funding: Clear closing steps and disbursement timeline.
Related programs
- Working capital for flexible operational funding.
- Revenue-based financing with remittances tied to sales.
- Real estate bridge loans when property collateral is available.
- MCA to SBA transition to stabilize and prepare for SBA readiness.
Quick checklist
- ✔ Recent monthly revenue and trends
- ✔ 3 to 6 months of bank statements
- ✔ Brief financials and use of funds
- ✔ Desired term and payment cadence
- ✔ Any collateral or guarantees available
Advantages of unsecured bridge capital
- Speed: Fast evaluation and funding.
- Flexibility: Unsecured or limited-collateral structures.
- Simplicity: Concise documentation and clear terms.