Bridge the gap between where you are and where you need to be. \$100K to \$5M in short-term capital with approvals in 24-48 hours. No waiting. No red tape. Just the capital you need, exactly when you need it.
Get Funded NowIn business, the difference between winning and losing often comes down to timing. A prime commercial property hits the market and will be gone in 72 hours. A competitor stumbles and their best accounts are up for grabs. A seasonal inventory window closes in two weeks. Your permanent financing is approved but won't fund for another 45 days. In every one of these scenarios, a commercial bridge loan from Merchant Fund Express provides the immediate capital that turns timing pressure into competitive advantage.
Bridge loans are not long-term financing. They are precision instruments designed to solve one problem: the gap between when you need capital and when your permanent funding source delivers it. Our commercial bridge loans typically range from 6 to 24 months, with the expectation that the borrower will repay from a specific future event, whether that is the closing of permanent financing, the sale of a property, the collection of a major receivable, or the realization of seasonal revenue.
Not every financing need calls for a bridge loan. But when the following conditions exist, bridge financing is often the optimal solution:
Tell us what you need the bridge for, the amount required, and your expected repayment source. This conversation takes 15 minutes and gives us everything we need to structure the right solution. Call (305) 384-8391 or submit your application online.
Our underwriting team evaluates your bridge request within 24-48 hours. We analyze your business cash flow, the viability of your repayment source, and the risk profile of the transaction. You receive a detailed term sheet with all costs transparently disclosed.
Review your bridge loan terms with your team and advisors. Once accepted, electronic document signing takes less than 30 minutes. We handle all the backend processing to prepare your funds for disbursement.
Funds are wired to your designated account within 3-7 business days of document execution. Expedited wires are available for time-critical transactions. Your funding advisor coordinates timing with your closing agent, attorney, or counterparty as needed.
| Requirement | Minimum | Preferred |
|---|---|---|
| Annual Business Revenue | \$250,000+ | \$750,000+ |
| Time in Business | 6 months | 18+ months |
| Owner Credit Score | 530+ | 600+ |
| Monthly Cash Flow | \$20,000+ | \$60,000+ |
| Exit Strategy Required | Yes (clear repayment plan) | Documented permanent financing |
| Collateral | Varies by amount | Business assets or property |
Industry: Food & Beverage (Miami, FL)
Challenge: A 3-location restaurant group found a prime waterfront location with a 5-day acceptance deadline. Their bank needed 45 days for a commercial mortgage. Without fast capital, they would lose the location to a competing bidder.
Solution: Merchant Fund Express issued a \$750,000 commercial bridge loan within 72 hours of application. The bridge was structured with a 12-month term to allow time for permanent SBA financing to close.
Result: The restaurant group secured the location, completed buildout in 4 months, and opened to \$180,000 monthly revenue within 60 days of launch. The SBA loan closed at month 6, repaying the bridge. Total bridge cost was \$67,500, and the location generates over \$2M annually.
Industry: Commercial Construction (Atlanta, GA)
Challenge: Won a \$4.2M municipal infrastructure project with net-60 payment terms on milestones. Needed \$1.1M for equipment mobilization, materials, and bonding before the first milestone payment would arrive.
Solution: We structured a \$1.1M bridge loan with milestone-triggered repayments, so the loan amortized naturally as each project milestone was completed and paid by the municipality.
Result: Project completed on schedule with all milestones met. Bridge was fully repaid by month 8 from milestone payments. The firm's net profit on the project was \$620,000, and the successful completion led to \$7M in additional municipal contracts.
Industry: Healthcare / Medical Practice (Denver, CO)
Challenge: A thriving medical practice needed to renovate and expand their facility but could not shut down operations during construction. They needed bridge capital to fund a phased renovation while their SBA loan for the permanent improvement was processing.
Solution: \$425,000 bridge loan funded in 5 business days, structured with interest-only payments during the 4-month renovation period, converting to full repayment once the SBA loan funded.
Result: Renovation completed without a single day of practice closure. Patient capacity increased 40%, and monthly revenue grew from \$210,000 to \$295,000. SBA loan closed at month 5, repaying the bridge in full.
Speak with a funding specialist today. No obligation, no impact on your credit score.
Join 2,500+ businesses that secured growth capital through Merchant Fund Express