Term Loans
Short-term capital to get you to the closing table.
- Amount Range
- $25,000 – $5,000,000
- Min. Time in Business
- 1 year
- Min. Credit Score
- 600+
- Typical Funding Speed
- 24 – 48 hours
Overview
Bridge capital exists for timing problems, not money problems. An SBA file that takes 45 days but a piece of equipment you need Monday. A property under contract with a hard closing date. A bonded job that requires mobilization cash before the first draw. Bridge loans run 3 to 24 months and are paid off by the permanent financing behind them.
Best Used For
- Covering mobilization before the first progress draw
- Holding a property while SBA or conventional financing closes
- Time-sensitive equipment purchases at auction
- Emergency repairs that can't wait for underwriting
How It Works
- Step 1Explain the exit
We need to see how the bridge gets repaid — a closing, a draw, or a receivable.
- Step 2Fast underwriting
Bank statements and collateral detail, decision usually same day.
- Step 3Fund and exit
Funds in 24 to 48 hours, paid off when the permanent financing lands.
What You'll Need
- 1+ year in business
- 580+ personal credit score
- Documented exit strategy
- Collateral or receivables supporting the balance
Pricing varies by term and collateral; most bridges run 3 – 24 months.
Apply for Term Loans
Soft credit pull. No application fee. Answer in 24 hours on most files.
Other Programs
Ready to put capital to work?
Tell us what you run and what you need. A specialist who knows your trade calls you back within one business hour.