Unsecured Bridge Loans

Short-term unsecured bridge financing—often up to $1,000,000—for deposits, working capital, and timing gaps. Structured with a clear plan to refinance into SBA 7(a) or CDC/504 when eligible.

Unsecured bridge loans

When timing matters, an unsecured bridge can provide fast liquidity without tying up real estate collateral. We focus on responsible structures with a documented exit—often to SBA 7(a) or CDC/504 where eligible.

What unsecured bridge loans are used for

  • Earnest money deposits, equipment deposits, or project kick-off costs
  • Working capital for inventory, staffing, or launch activities
  • Short timing gaps prior to SBA approval or closing

Typical profile

  • Amounts: often up to $1,000,000 (case-by-case)
  • Term: ~6–18 months, interest-only or short amortization
  • Security: generally unsecured; personal guaranty common
  • Speed: streamlined underwriting with a clear refinance plan

SBA refinance path (when eligible)

Many unsecured bridges are designed with a forward path to SBA 7(a) once the complete file is ready. We align:

  • Use-of-funds mapping: bridge proceeds match intended SBA purposes (e.g., acquisition, equipment, working capital) where permitted.
  • Documentation trail: invoices, contracts, and receipts kept clean for SBA underwriting.
  • Cash-flow view: pro-forma DSCR that anticipates the SBA takeout structure.
  • Timeline and milestones: packaging, third-party items, and lender checkpoints to keep the refinance on track.

Where unsecured can help (examples)

Acquisition deposit & due diligence

Use a short-term unsecured facility for deposits and diligence costs, then refinance with a 7(a) once underwriting is complete.

Equipment deposits / fast-track orders

Bridge the vendor’s deposit timeline while the SBA request is packaged, priced, and cleared for closing.

Launch working capital

Cover near-term payroll, inventory, or marketing until the SBA facility funds (subject to lender rules and eligibility).

Our approach

  1. Quick fit check: goals, use of funds, rough timeline, and intended SBA program.
  2. Packaging: concise narrative, sources/uses, and a forward-looking DSCR view compatible with the SBA refinance.
  3. Lender match: targeted bridge providers plus Preferred SBA Lenders (PLP) for the takeout to help shorten review cycles.
  4. Execution: organize documentation now so it ports cleanly into the SBA file later.

Get started

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

Request unsecured 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.