Bridge Loans for Business Acquisitions
Business acquisition closings do not wait for perfect capital stacks. Once the LOI is signed and the purchase agreement is moving,
the timeline compresses fast. Sellers want certainty. Counsel pushes execution. Buyers face a fixed closing date and a wire requirement.
When permanent debt is delayed or equity wires slip, bridge financing can keep the acquisition alive.
Financely coordinates short-tenor bridge loans for sponsors and buyers with documented transactions and hard deadlines.
We structure the request, assemble a lender-grade package, and place the file with private credit lenders and specialty finance counterparties
whose mandates match the deal profile.
Financely is an advisory firm and does not lend directly. Any financing is provided solely by third-party lenders under their own approvals,
policies, and documentation. All matters are subject to underwriting, KYC and AML, sanctions screening, definitive agreements, and lender approvals.
When Bridge Capital Is The Right Tool
Closing Date Risk
Bridge capital is designed for timing mismatch. The goal is not permanent leverage. The goal is to close, take control, and execute the takeout.
- Seller-imposed closing deadlines with limited extension rights
- Term loan or SBA processing lag versus contractual closing
- Committed equity delayed in delivery despite signatures
- Back-to-back transactions where proceeds have not settled
Defined Takeout Path
Bridge lenders underwrite the exit. A credible takeout plan is the difference between “bridge” and “open-ended risk.”
- Refinance into senior term debt post-close
- Replace bridge with equity upon funding or capital call
- Repay from asset sale, dividend recap, or contracted liquidity event
- Collateralized repayment from receivables, inventory, or equipment
What We Can Coordinate
Acquisition Closing Gap
Short-tenor bridge proceeds used to complete purchase price at closing where the long-term stack is staged or delayed.
- Asset purchase agreements and stock purchase agreements
- Independent sponsors and strategic buyers
- Platform acquisitions and add-on transactions
Working Capital At Close
Some acquisitions require incremental liquidity for immediate operational needs, integration costs, or covenant cushions.
- One-time working capital injection
- Seasonal liquidity smoothing
- Short runway until an ABL or revolver closes
Underwriting Priorities
The fastest outcomes come from complete documentation and realistic asks. Bridge underwriting is practical and evidence-based.
It focuses on closeability, security, and the takeout.
| Item |
What Lenders Typically Require |
| Deal Documentation
|
Signed LOI and near-final APA or SPA, key schedules, closing conditions, and funds flow. |
| Sources And Uses
|
Purchase price, fees, debt payoffs, working capital, seller paper, and the exact bridge amount. |
| Takeout
|
Identified refinance plan or capital source with timing and conditions that are credible. |
| Security And Controls
|
Collateral path, perfection plan, escrow mechanics where relevant, and enforcement rights. |
| Sponsor And Management
|
Decision-maker access, execution capability, clean KYC, and alignment to repay on schedule. |
How The Engagement Runs
1) Triage
We review the transaction, deadline, and requested proceeds. If the ask is not market-credible, we state that upfront.
2) Lender-Grade Package
We package the file for credit review: deal docs, sources and uses, collateral plan, and takeout pathway.
3) Placement
We route the file to a targeted lender set aligned to collateral, jurisdiction, sector, and timing.
4) Close And Fund
We coordinate term sheet finalization, conditions precedent, documentation logistics, and settlement.
Indicative Timing
Timing is driven by file readiness. When the purchase documentation and underwriting inputs are complete, bridge lenders can move quickly.
| Stage |
Milestone |
Typical Timing |
| Initial Screen
|
Feasibility and documentation checklist issued. |
24 to 48 hours |
| Indication
|
Preliminary terms based on underwriting inputs. |
3 to 7 business days |
| Funding
|
Docs, conditions, and settlement. |
7 to 21 business days |
What To Send For A Fast Review
Transaction Documents
- Signed LOI and APA or SPA (near-final drafts accepted)
- Seller timetable and closing conditions
- Sources and uses and gap amount being bridged
- Any lender term sheets already in process
Business And Sponsor Pack
- Historic financials and current run-rate view
- Collateral summary and security plan
- Takeout plan with dates and conditions
- Buyer entity and beneficial ownership for KYC
Request A Quote
If your acquisition is documented and the closing date is fixed, submit the deal pack for review.
We will revert with feasibility, required inputs, and the placement pathway.
Request A Quote
Disclaimer: This page is for general information only. It does not constitute legal, tax, regulatory, investment, or credit advice and it is not an offer or commitment by Financely or any third party to provide financing. Financely is not a bank, lender, broker-dealer, or investment adviser. Any financing is provided solely by third-party counterparties under their own approvals, policies, and documentation. All matters are subject to eligibility, due diligence, KYC and AML review, sanctions screening, definitive documentation, and lender approvals.