A Bridge Loan is ideal for fast access to funds

Bridge loans are excellent for covering unexpected costs when waiting on long-term financing.

What Is a Bridge Loan?

A bridge loan is a short-term loan that helps bridge the gap between a business’s current need for financing while they wait for a more long-term solution to be secured. This is ideal for businesses who need to leverage funding to buy real estate, expand operations, or manage cash flow, among other reasons. We understand that sometimes the loan process can take time and securing long-term financing can be an extensive process. That’s why at Money Lending Today, we work with our network of partners to provide small businesses with simple and transparent bridge loans, giving them access to the capital they need fast. Our bridge loans start at $5,001 and range up to $1 million. Payment options are super flexible with automatic daily, weekly, or monthly payments*. Another great feature is that you can apply through our online portal. If approved, this portal will be available to you at any time, so you can always review your account.

Bridge Loans Allow Access to Funds While Your Business Secures Long-Term Financing

You only need 3 important things to apply..


A valid form of identification

Business bank account number and routing

Last three months of business bank statements

Bridge Loan FAQs

A bridge loan works by providing businesses access to a fast influx of working capital while the business attempts to secure permanent financing. This gives businesses access to a lump sum of funds during the gap between applying and getting approved for a long-term loan.

Similar to a small business loan, businesses may benefit from receiving funds in a lump sum with fixed payments and terms. The main difference is that a bridge loan is considered a short-term loan, while a small business loan is typically long-term.

The Rapid Finance bridge loan calculator lets you select your desired working capital amount, credit score, and monthly sales and see an estimate of what your business may qualify for depending on the information provided. Additional information may be requiredners flexible access to working capital.

No. Getting a bridge loan is very similar to getting a small business loan. Most business financing companies have requirements that must be met, such as a business bank account, time in business, business revenue, and a valid form of identification to apply for a bridge loan.

A bridge loan can be great for businesses that need quick access to capital while securing a long-term loan. They also offer quick access to capital, flexible payments, and terms ranging from 3 months up to 60 months. *

However, bridge loans are short-term. This might not be the best option for a business looking for a longer-term loan that spans several years. (Learn more about at Rapid Finance’s long-term small business loans.)

Having low or bad credit does not automatically mean your application for a commercial bridge loan will be denied. Most small business funders consider credit when reviewing applications, however, it’s not the only determining factor. There are many other factors business funders take into consideration when deciding to approve an application, including business revenue, time in business, accounts receivables, and business credit history.

Before applying there are a few things to keep in mind. The first should be the reason why your business needs the loan. You should also consider how much working capital your business needs and the repayment terms you can afford. This will help you navigate whether you need a long-term or short-term loan.

Other things to keep in mind before applying are what your business’ current credit score situation is, how fast your business needs the funds, if your business has been in operation for over two years, or if you have over a year of business bank statements, etc. These will be some of the questions asked during the application process.

Bridge Loans With Money Lending Today

At Money Lending Today, we’re dedicated to the continued success of each of our clients. It’s simple, we’re here to enable small businesses access to capital when they need it most. We make sure we provide your business with the resources it needs for long-term growth.

Have Questions?

You have a question and we have an answer. Speak to one of our business advisors today.


*Small Business Financial Solutions, LLC offers term loans and lines of credit (pursuant to its California Lenders License No. 603-I855) and factoring in California. Small Business Financial Solutions, LLC and Money Lending Today Services, LLC offer term loans, lines of credit and factoring outside of California. Commercial Servicing Company, LLC arranges term loans and lines of credit in California (pursuant to its California Finance Lenders License No. 603-J299) and arranges term loans, SBA loans, lines of credit, factoring, asset-based loans, commercial real estate loans and business credit cards outside of California.

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