Bridge Loan Services for Business and Commercial Transactions

Short-Term Structured Debt

Bridge Loan Services for Business and Commercial Transactions

Bridge loans are built for timing gaps. We structure and place short-term bridge facilities for acquisition closings, refinance transitions, Commercial Real Estate deals, and working capital timing mismatches where speed and structure quality decide the outcome.

Most bridge failures are not caused by lack of lender appetite. They fail because the file is not decision-ready, collateral logic is weak, or exit strategy is unclear. Our mandate is to package live transactions into lender-grade credit cases and route them to matched capital providers.

If you want detail on mandate scope, review our services. If you want the execution sequence, see how it works.

Most Common Bridge Loan Scenarios We Handle

Business Acquisition Closing Gap

Buyer has LOI or APA signed, senior debt is in process, and close deadline requires interim capital.

Commercial Real Estate Acquisition Bridge

Property is under PSA, permanent debt timeline is longer than seller close window.

Refinance Maturity Wall

Existing facility is maturing before replacement debt is finalized.

Stabilization and Lease-Up Transition

Asset needs short-term capital to bridge renovation, occupancy ramp, or NOI seasoning.

Receivables Timing Gap

Cash conversion cycle lags purchase obligations or payroll and needs interim liquidity support.

Equity Gap at Close

Sponsor is short on first-loss capital at signing and needs structured short-tenor support.

A bridge loan only works when the exit is documented. Typical exits are refinance proceeds, sale proceeds, receivables collections, or contracted cashflows.

Bridge Structures We Place

Senior Secured Bridge Loans

Short-tenor first-lien facilities for urgent closes with defined collateral and exit path.

Stretch Senior and Junior Bridge Layers

Stacked capital for transactions where senior debt alone cannot meet timing or size needs.

Acquisition Bridge Lines

Interim funding between signing and long-term capital stack completion.

Asset-Backed Bridge Facilities

Bridge debt secured by receivables, inventory, contracted cashflows, or qualifying real assets.

Commercial Real Estate Bridge Loans

Transitional financing for acquisition, repositioning, lease-up, or refinance bridge periods.

Credit Enhancement-Linked Bridges

Case-by-case structures that include SBLC or similar support where credit profile requires enhancement.

Execution Process

Stage What Happens
1. Fit Screen Initial review of transaction purpose, timeline, collateral, and exit strategy.
2. Indicative Terms Indicative term logic with fee stack, structure path, and documentary requirements.
3. Mandate Activation Execution begins after written acceptance and initial fee settlement.
4. Underwriting Package Lender-facing memo, covenant map, risk summary, and data room buildout.
5. AI and ML Risk Scoring Proprietary AI and ML used for risk scoring and lender matching.
6. Lender Routing and Negotiation Targeted outreach, feedback cycles, term negotiation, and close coordination.

What Lenders Expect in a Bridge File

  • Clear transaction narrative with use of proceeds.
  • Documented and credible exit route.
  • Verified collateral package and enforceability path.
  • Sponsor financial capacity and execution history.
  • Complete KYC, AML, sanctions, and legal readiness.

Who This Service Is Built For

Business Acquirers

Buyers with LOI or APA and a defined close deadline.

Commercial Real Estate Sponsors

Sponsors in acquisition, transition, or refinance windows with tight timelines.

Independent Sponsors and Search Funds

Teams running signed opportunities that need interim debt before permanent placement.

Operating Companies

Businesses with short-term liquidity gaps tied to documented receivables or contract flows.

We do not guarantee funding. Services are delivered on a best-efforts advisory and placement basis, subject to underwriting, lender approvals, legal diligence, and compliance checks.

FAQ

How fast can a bridge loan close?

Clean, documented files move fastest. Timing depends on collateral quality, legal workstream, and lender response.

What is the typical bridge loan tenor?

Short-tenor by design, commonly aligned to a refinance, sale, or collection event.

Can you help if my senior lender is delayed?

Yes, that is one of the most common use cases, provided the exit remains credible and documented.

Do you arrange bridge loans for Commercial Real Estate?

Yes. We support acquisition, repositioning, lease-up, and refinance transition scenarios. You can also review our Commercial Real Estate financing coverage.

What is the minimum facility size?

Minimum requested facility size is typically USD 2,500,000, with stronger lender coverage above USD 3,000,000.

Do you fund directly?

No. Financely acts as a transaction-led advisory and placement desk with regulated lending counterparties.

Need A Bridge Loan For A Live Transaction?

Submit your deal file for a direct feasibility view on structure, timing, and capital pathway.

Submit Your Deal

This content is informational only and does not constitute lending commitment, legal advice, tax advice, or investment advice. All outcomes remain subject to underwriting, KYC and AML, sanctions screening, legal diligence, and third-party approvals.