Acquisition Bridge Loans

Acquisition Bridge Loans - Fast Closings for Business Purchases

Acquisition Bridge Loans

Short-term debt to close when senior lenders are not ready yet. We structure and place bridge facilities for sponsor-led and owner-operator buyouts, add-ons, carve-outs, and management buy-ins. Terms are built around a clear take-out: SBA or senior refinance, sale, or a committed facility post-stabilization.

Snapshot: 6–24 month tenor, interest-only with bullet or step-down, secured on shares and business assets, personal or holdco support where needed, funded into escrow at close. Market pricing based on risk, collateral, and cash flow. Typical execution 4–8 weeks from complete data and cleared payment.

When a bridge makes sense

Bank not ready
Credit team needs auditeds, QoE, or post-close performance before terming out.
Hard deadline
Seller wants certainty. Bridge locks the close while long-term debt finalizes.
Roll-up or add-on
Fast follow-ons where speed matters more than cost.
Carve-out
Spin-offs with messy separations that senior lenders won’t touch pre-close.

What you get

Underwriting
Credit memo, sources and uses, security package, covenants, sensitivities, and take-out plan.
Legal support
Comments to term sheets, intercreditor terms, conditions precedent, and closing checklist.
Lender distribution
Targeted outreach to private credit funds and lenders active in acquisitions at your size.
Negotiation
Support through LOI, term sheet, and final docs. We push for realistic terms that actually close.
Closing management
Workstreams with lender counsel, seller counsel, QoE, and escrow until funds release.
Reporting
Portal with lender list, status, written feedback, and next actions.

Core terms lenders expect

Tenor 6–24 months, extensions by lender consent
Repayment Interest-only, bullet principal at take-out; partial amortization where cash flow supports it
Security Share pledge over target and buyer SPV, all-assets lien, IP where material, guarantees as needed
Perfection UCC-1 or local charge filings, share charge, control agreements, and insurance endorsements
Covenants Min liquidity, leverage cap, reporting monthly, no leakage, consent for add-ons and dividends
Use of proceeds Purchase price, fees, taxes, working capital, vendor paydowns tied to closing
Conditions precedent Executed SPA, QoE, lien searches, insurance binders, escrow, and intercreditor where applicable

How it works

  1. Intake: Submit your form with target details, structure, security, timeline, and take-out plan.
  2. KYC: Sponsor and borrower screening. Invoice issued after preliminary clearance.
  3. Underwriting: First-pass memo in 7–10 business days after full docs and cleared payment.
  4. Distribution: Targeted send to acquisition-focused lenders that fit size and jurisdiction.
  5. Closing: Term sheet to funds release with legal workstreams and escrow management.

Documentation checklist

Item Details
SPA or LOI Signed LOI or draft SPA with headline terms and timeline
QoE and diligence QoE, legal DD, customer and supplier concentrations, tax and payroll
Financials 3 years historical, TTM, working capital analysis, projections 24 months
Model and S&U Integrated model with sources and uses, fees, and cash buffers
Org charts Pre and post-close structure, cap table, shareholder consents
Security package Assets, IP, insurance, guarantees, and any vendor notes or earn-outs
KYC Sponsor identity, source of funds, sanctions screens

Service tiers

Starter
Deal size Up to $5,000,000
Included Analyst and legal counsel, underwriting, lender distribution, closing checklist
Onboarding fee $22,500
Closing fee 2.0% of funded amount
Growth Most selected
Deal size $5,000,001 to $20,000,000
Included Priority distribution, advanced structuring, lender calls, term sheet negotiation support
Onboarding fee $45,000
Closing fee 2.5% of funded amount
Enterprise
Deal size $20,000,001 to $75,000,000+
Included Senior partner oversight, full-time analyst, dedicated legal counsel, PR on request
Onboarding fee $90,000
Closing fee 3.0% of funded amount

Scope and limits

Item Details
Underwriting SLA First pass in 7–10 business days after full documents and cleared payment
Legal support Up to 10 hours per deal to term sheet. Extra hours at $350 per hour
Distribution Targeted lenders matched by sector, jurisdiction, and size
Eligibility Post-revenue, clean ownership, clear take-out, verifiable collateral and insurance
Refunds Fees are non-refundable once underwriting begins
Not a fit No path to refinance, fake or incomplete docs, no security, unresolved legal blocks

Example structures

Owner-operator buyout
$3.2M bridge, 18 months, interest-only. Security on shares and assets, PG limited to shortfall. Take-out: SBA refinance at month 12.
Add-on acquisition
$9.5M bridge, 12 months, cash-pay with PIK toggle. Intercreditor with existing senior. Take-out: upsized ABL post integration.
Divisional carve-out
$28M bridge, 24 months. Escrowed capex and WC. Security on newco and target IP. Take-out: unitranche after systems separation.

Start your onboarding

Submit your intake form. After KYC, your invoice will be issued. Underwriting starts when payment clears.

Submit Intake Form

Financely is not a lender and does not guarantee funding or bank instruments. All mandates are best efforts and subject to underwriting and compliance. Payments must only be made to bank details shown on your official invoice. Beware of unsolicited offers through unofficial channels.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.