SBA Bridge Loans
Short-term capital to sustain your business operations while you await approval and disbursement of an SBA loan. Bridge the gap between application and funding without losing momentum.
Overview
What Is a SBA Bridge?
Our SBA Bridge Loan program is specifically designed for businesses that have applied for or are in the process of securing an SBA-guaranteed loan but need immediate capital to continue operations or execute on time-sensitive plans. SBA loan approvals can take 60 to 120 days or longer, and many businesses cannot afford to wait. We provide short-term bridge funding that covers your capital needs during the interim period, with repayment structured to coincide with your anticipated SBA loan disbursement. Funding amounts range from $25,000 to $2,000,000, with terms of 3 to 12 months. Our advisors work closely with you to ensure the bridge financing complements rather than complicates your SBA loan process.
Key Features
- Bridge funding from $25,000 to $2,000,000
- Short-term structures of 3 to 12 months
- Repayment timed to align with SBA loan disbursement
- Does not interfere with your pending SBA application
- Rapid approval process independent of SBA timeline
- Dedicated advisors experienced in SBA loan coordination
Process
How It Works
Confirm SBA Loan Status
Provide documentation of your active SBA loan application, including any pre-approval letters, loan officer contact information, or status updates. This helps our team verify the anticipated disbursement timeline.
Bridge Loan Application
Submit a separate application for the bridge facility along with your recent business bank statements. Our underwriting process is independent of the SBA and does not affect your pending application.
Approval & Disbursement
Bridge loan decisions are typically made within two to three business days. Once approved, funds are deposited into your business account, giving you the capital needed to maintain operations and execute your plans.
Repayment Upon SBA Closing
The bridge loan is repaid in full or in part when your SBA loan funds are disbursed. In the interim, you make manageable periodic payments to service the bridge facility. If your SBA loan is delayed, our team will work with you on a revised repayment schedule.
Benefits
Why Choose a SBA Bridge?
Eliminates the operational disruption caused by lengthy SBA approval timelines
Preserves your ability to act on time-sensitive opportunities while awaiting SBA funds
Structured to complement your SBA loan rather than conflict with it
Provides certainty and continuity during an inherently uncertain waiting period
Experienced advisors ensure coordination between bridge and SBA financing
Eligibility
Qualification Requirements
- Active SBA loan application in progress or pre-approval documentation
- Minimum 12 months in business
- At least $20,000 in average monthly revenue
- Clear documentation of the SBA loan status and expected timeline
- Business owner personal credit score of 620 or above
Use Cases
Common Uses
- Covering operating expenses while SBA loan is in underwriting
- Securing a commercial real estate opportunity before SBA funds arrive
- Purchasing equipment or inventory required to fulfill pending contracts
- Completing build-outs or renovations that are prerequisites for SBA disbursement
- Maintaining payroll and staffing levels during the approval period
- Funding deposits or earnest money that must be committed before SBA closing
FAQ
SBA Bridge Questions
Our bridge loans are structured to avoid creating complications with your SBA application. We work closely with you and, where appropriate, coordinate with your SBA process to ensure there are no conflicts. The bridge loan is designed as a short-term facility that will be retired upon SBA disbursement, which SBA underwriters generally understand and accommodate.
If your SBA loan is denied, the bridge loan remains an outstanding obligation that must be repaid according to the agreed terms. In this scenario, our funding advisors will work with you to explore alternative repayment structures or refinancing options that accommodate your revised financial situation. We recommend discussing contingency plans with your advisor before accepting bridge financing.
The application and approval process for our bridge loans is significantly faster than the SBA process itself. Most bridge loan applications are reviewed and approved within two to three business days, with funding deposited within one business day of approval. The entire process from application to funds in your account typically takes less than one week.
Yes, bridge loan funds can be used for any legitimate business purpose. Common uses include covering operating expenses, securing real estate, purchasing inventory, and maintaining payroll. There are no restrictions on how you deploy the capital, though we recommend aligning your use of bridge funds with the broader strategic objectives of your SBA loan application.
Bridge loans carry higher rates than SBA loans due to their short-term nature and expedited funding process. Costs are typically structured as a factor rate or a monthly interest rate applied over the bridge period. Your funding advisor will provide a complete cost breakdown before you commit, and because the bridge period is short, the total dollar cost is often quite manageable relative to the value of maintaining business continuity.
Ready to Get Started with a SBA Bridge?
Apply today and a funding advisor will walk you through your options.