Earnest money is non-negotiable. If you’ve got a signed LOI and a seller waiting for funds, waiting 3 weeks on your lender is a non-starter. In 2025, serious real estate sponsors use bridge capital to cover that short-term gap—without pulling their own cash. Here’s how it works, what it costs, and how to get the money in under 10 days.
Bridge capital for real estate closing covers short-term funding needs like earnest money deposits, escrowed guarantees, or non-refundable down payments tied to a closing date. The capital is typically secured by either a future equity interest, a note, or a reimbursement agreement backed by proceeds from the primary transaction.
If the deal moves forward, the bridge gets repaid at close. If it doesn’t, the capital provider either converts to equity, recovers from escrow, or executes rights outlined in the agreement.
Most sponsors don’t post the cash themselves. They use short-term capital structures such as:
— Unsecured investor notes with fixed fees and clawback protection — Escrow-secured capital backed by deposit refund rights — Equity kicker notes that convert at close — Assignment of proceeds agreements tied to final funding stack
None of these require institutional approvals. If the file checks out, serious providers can deploy within a week.
Bridge capital providers want clarity and speed. They need to see the signed LOI or PSA, proof of funds for the remainder of the raise, and a clear path to exit. If your deal is still speculative or you can’t show who’s funding the rest, it won’t get approved.
Packaging matters. Financely underwrites these deals internally and presents them directly to groups that fund real estate gap capital. You’ll need to show the capital stack, your sponsor resume, and a use-of-funds summary. No fluff, no pitch decks. Just the deal.
We underwrite the file and get it placed in under 10 days with real capital providers.
Submit a Deal Book a CallStandard timeline is 5–10 business days. The faster you provide documents, the faster we move. Some deals close in under a week if the seller is responsive and escrow is ready to receive. Expect fees between 2%–5% depending on structure, or an equity piece if the deal is high-margin and timing is tight.
If you’ve got a real estate deal worth fighting for, don’t lose it over a deposit you can’t tie up. Financely helps sponsors secure bridge capital fast—without risking personal liquidity or chasing brokers. If the deal is real, we’ll get it funded.
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.
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.
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
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Submit a RequestOnce 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.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
exempt foreign private adviser pursuant to the Dodd-Frank Act, subject to applicable exemptions from certain regulatory requirements. Our services and regulatory status may vary based on the location and nature of the transaction. Click
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