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Bridge Financing

Capital between a business need and a defined exit.

Address a short-term funding gap with a clear repayment event, such as a sale, refinancing, or longer-term financing.

Explore Bridge Capital
Product Overview
StructureShort-duration capital
Typical useTime-sensitive gap
RepaymentOften from a defined near-term event
CollateralVaries
How it works

Need, Milestone, Exit.

Need

Capital required before the event that resolves it.

Milestone

Sale, refinance, lease-up, or funding completes.

Exit

The bridge is repaid from that defined source.

A bridge is defined by its exit. If the exit is unclear, the structure is wrong.

Where the funds can be used

  • Inventory
  • Projects
  • Acquisitions
  • Deposits
  • Expansion
  • Immediate working capital
  • Short-term liquidity

Plan the repayment first

Short-duration capital works best when it is evaluated against how it will be repaid. Before pursuing bridge financing, it is worth considering:

  • Expected revenue
  • Cash flow
  • Return on investment
  • Repayment ability
  • Possible refinancing
  • Long-term financing objectives
Because bridge financing is short in duration, understanding your repayment or refinancing path is an important part of the decision.
Payment planning

Calculate the monthly payment.

Enter the amount, annual rate, and repayment term to calculate the scheduled payment.

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Calculated from your inputs. Excludes fees and any balloon payment; actual financing terms are set in the written offer.

Underwriting focus

What a Bridge Review Considers.

Not every factor applies to every request, but these are the areas that commonly shape a decision.

Revenue & cash flowHow consistently money moves through the business.
Operating historyTime in business and track record.
Existing obligationsCurrent financing and debt service load.
Credit profileBusiness, and where applicable personal, credit.
CollateralAvailable assets or equity, where the structure uses them.
Use of fundsWhat the capital is for and how it supports the business.
Banking activityDeposits, account activity, and recent business statements.
IndustryThe business model and the industry it operates in.

Typical situations

  • Project mobilization before payment
  • An acquisition deposit
  • Inventory for a large order
  • A receivable timing gap
  • A planned refinance
Potential advantages
  • Moves quickly for time-sensitive needs
  • Bridges to a defined next step
  • Short by design
Important considerations
  • Relies on a credible exit or takeout
  • Short duration means a concentrated repayment
  • Not a substitute for permanent financing
When another structure may fit

Bridge capital is a temporary step to a defined event. If the need is ongoing, a line of credit or term structure is more appropriate.

Keep exploring

Related financing solutions

Working Capital

When the need is operating timing rather than a defined milestone.

Explore

Asset-Backed Financing

When collateral can carry the position until the exit.

Explore

Commercial Real Estate

When the exit is a property sale or refinance.

Explore
Before you apply

Define the Milestone and Exit

  • The event that resolves the need (sale, refinance, funding)
  • Expected timing of that event
  • What the bridge funds in the meantime
  • Backup exit if timing slips
Related timing structures
Commercial Real Estate Asset-Backed Financing
FAQ

Frequently Asked Questions

Short-duration capital to cover a time-sensitive gap, such as project mobilization, an acquisition deposit, or a receivable timing gap, until a defined next step.
Often from a defined near-term event or takeout, such as a milestone payment or a planned refinance. The exit is reviewed as part of the evaluation.
Bridge structures are shorter by design. The specific duration depends on the situation and the planned exit.
The main consideration is the exit: a bridge relies on a credible near-term takeout. If the exit slips, the concentrated repayment can create pressure.

Have a question about your business? Start a financing request and our team will follow up.

LIVC Business Intelligence

Review the terms behind the decision.

Product structures, repayment considerations, and dated policy updates in one place.

View relevant research

Define the need. Show the exit.

Provide the amount, timing, and repayment source for your bridge-financing request.

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