Bridge Loans for Businesses
Short-term financing from $25,000 to $2 million with terms of 3 to 18 months — built to keep your deal moving while longer-term capital catches up. Funded in days, not weeks.
- ✓$25K–$2M loans
- ✓3–18 month terms
- ✓Funded in 2–5 days
- ✓No prepayment penalty
When a bridge loan makes sense
A bridge loan is short-term financing that covers a gap between now and a longer-term funding event. The structure is simple — fund today, repay when the take-out arrives — and the speed is what keeps deals from falling apart.
Common use cases
- Pending SBA approval — fund now, refinance into SBA later
- Real estate closing where speed wins the deal
- Business acquisition while permanent financing finalizes
- Seasonal cash flow gap before peak receivables hit
- Equipment purchase while waiting on a large invoice payment
Program highlights
- Loan amounts from $25,000 to $2,000,000
- Terms from 3 to 18 months
- Funded in 2–5 business days
- All credit tiers considered with a documented exit
- No prepayment penalty — pay off the day your take-out funds
Frequently asked questions
- What is a bridge loan?
- A bridge loan is short-term financing that covers the gap between an immediate capital need and a longer-term funding event. Businesses use bridge loans to close a deal today while waiting on SBA approval, a real estate sale, an investor wire or a large invoice payment.
- How fast can I get a bridge loan?
- Most bridge loans are decisioned within 24–48 hours and funded in 2–5 business days. Speed is the primary feature — bridge financing exists to keep deals from falling through while slower capital sources catch up.
- What can a bridge loan be used for?
- Common uses include holding deposits for real estate closings, completing business acquisitions while SBA paperwork finalizes, funding equipment purchases ahead of customer payments, covering seasonal cash flow gaps, and renovating a property before refinance.
- What credit score do I need for a bridge loan?
- Bridge loans are underwritten primarily on the exit — the source of repayment — rather than just FICO. Northwood considers all credit tiers when the take-out plan is clearly documented and supported by business cash flow or asset value.
- How is a bridge loan different from a line of credit?
- A line of credit is revolving and designed for ongoing flexible access. A bridge loan is a single short-term advance with a defined exit, typically 3–18 months, used for a specific transaction rather than recurring cash flow needs.
Keep the deal moving.
Talk to a Northwood bridge specialist. Most files are decisioned same day.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties
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