Cover today's needs while a slower SBA application works through review. Working capital from $25,000 for established businesses.
Explore a BridgeSBA Bridge Working Capital
SBA reviews can take weeks. We look at your current deposits, not your pending application, and show the full repayment amount before you accept.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
5 minutes and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, with your deposits weighed alongside your score.
The full repayment amount is shown before you accept. No surprise costs appear after you sign.
The repayment schedule is laid out up front, so you can confirm it works from current revenue alone.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
SBA-backed loans appeal to a lot of owners, but the process involves a bank or SBA lender, a full documentation package and an underwriting timeline that can stretch for weeks or longer. During that window, an opportunity or a cash need may not hold still: inventory for the busy season, a piece of equipment that just broke, a lease deposit on a new space.
Funding to bridge to an SBA loan covers that stretch. We offer working capital from $25,000 to $5,000,000 for established businesses with steady deposits, and the 5-minute application starts with a soft credit pull.
We do not underwrite your SBA application, and a pending SBA loan is not a promise of anything. Our review looks at your business as it is today:
No tax returns are required to apply with us.
Before taking on any new obligation while an SBA application is open, ask your SBA lender how it will be treated. New payments show up on your bank statements and may factor into their review. Being upfront with them avoids surprises late in the process. If the SBA route has already closed, our page on options after an SBA decline may help.
Working capital is a clean fit for a single near-term need. A business line of credit lets you draw only what the waiting period requires. Equipment financing covers a specific machine or vehicle you cannot wait to replace. Sole proprietors can apply.
Your offer lays out the full repayment amount and schedule before you accept. Make sure that schedule works from your current revenue on its own, so the bridge holds up whether the SBA loan closes on time, late or not at all.
You can apply. We review your deposits, existing obligations and credit. Check with your SBA lender about how a new obligation may affect their review.
Repayment follows the schedule in your offer. How you use future SBA proceeds is between you and your SBA lender, so ask them what is allowed.
Plan for that possibility. Your bridge repayment should work from your current revenue regardless of the SBA outcome.
About three months of business bank statements and a 5-minute application. No tax returns are required with us.
Funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A few habits make a bridge request cleaner and safer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding