Bridge Loans for Business Acquisitions

Bridge Loans for Business Acquisitions | Fast Acquisition Financing | Close With Confidence

Bridge Loans For Business Acquisitions

Close on time, then refinance. A well-structured acquisition bridge gives you speed to signing and clean collateral so permanent lenders say yes later. We scope the facility, build the bank file, source competitive terms, and ride the closing with you. No fantasies. Just a deal that clears credit and funds.

When a bridge loan makes sense

Clock pressure
Seller sets a hard date. HSR or regulatory approvals are pending. Your long-term lender needs more time. The bridge covers signing to takeout.
Complex capital stack
Unitranche, SBA, or bank club is in progress. Use a short tenor facility to close and avoid retrade risk while diligence finishes.
Seller dynamics
Earnouts, holdbacks, or partial seller paper need a senior solution on day one. A bridge aligns incentives and keeps you in control.

What we arrange

Holdco senior bridge
Secured on target shares with downstream guarantees where permitted. Clean takeout path to term debt.
Acquisition ABL + term bridge
ABL on working capital and a short tenor term piece on fixed assets or cash flow. Works for asset-heavy targets.
Mezzanine bridge
Second-lien or unsecured with PIK features and warrants if needed. Sized to fill equity gaps without killing covenants.
Seller note bridge
Refinances or backstops vendor paper at close so you keep the deal clean and avoid seller consent on future changes.

Typical terms snapshot

Tenor and sizing
3 to 18 months. Size to purchase price, fees, and near-term capex. Delayed draw available on some files.
Advance rates
40 to 70 percent of enterprise value depending on cash flow, asset base, and takeout certainty. Higher with real collateral support.
Pricing and fees
Market-based coupons plus OID and arrangement fees. Prepayment premiums step down on scheduled windows.

Who qualifies

Buyer profile
Post-revenue companies and acquisitive sponsors with clean KYC. Preference for platforms with EBITDA above $10M and a credible takeout plan.
Target profile
Predictable cash flow, customer concentration within reason, audited or review-level financials, no unresolved tax or legal bombs.

What credit committees actually check

Use of proceeds and structure
SPA, sources and uses, security package, intercreditor, escrow and earnout mechanics, and clean takeout mapping.
Cash flow and leverage
Pro forma EBITDA, seasonality, capex, working capital needs, coverage on cash and PIK if present.
KYC and governance
Ownership map, sanctions, related parties, board control, and step-in rights on default.

Process and target timeline

1

Scope and structure

Map the stack, collateral, and takeout. Align with the SPA and timeline. Issue the data list on day one.

2

Market testing and term sheets

Circulate to lenders, capture pricing and covenants, negotiate protections. Shortlist the best fit and lock the path to docs.

3

Documentation and CPs

Facility agreement, security docs, intercreditor, legal opinions, insurance, and completion tests cleared for funding.

4

Closing and monitoring

Funds released, covenants tracked, takeout milestones managed so the refinance lands on schedule.

If equity is light, here are credible paths

  • Bring a counter-guarantee from a stronger parent or a rated insurer
  • Pledge marketable securities or post a cash margin to improve advance
  • Add an ABL on working capital and size the term bridge to enterprise value
  • Resize the transaction or stage the purchase to match provable cash flow

Documents lenders expect to see

Core file
SPA draft, sources and uses, 24 to 36 months financials, QoE if available, org charts, ownership map, and compliance certificates.
Collateral and controls
Security package term sheet, lien searches, intercreditor framework, insurance schedule, key supplier and customer contracts.

Need a bridge loan to close your acquisition?

We arrange acquisition bridges for qualified buyers. Scope the structure, build the lender file, source terms, and close.

  • Senior, unitranche, or mezzanine bridge mapped to your takeout plan
  • Real underwriting with bank-ready documents and investor access
  • Hands-on coordination from IC to funding
Request Terms For Your Acquisition

Financely acts as an arranger on a best efforts basis. We are not a bank. Eligibility depends on KYC and AML, sanctions screening, and credit approval by our partners. Nothing on this page is a commitment to lend or to buy securities.

Frequently Asked Questions

How fast can a bridge close?
With a complete file and cooperative counsel, plan on weeks, not months. Complex collateral or multi-country deals take longer.
What security is required?
Share pledge over the target, all-asset debenture where allowed, guarantees, and cash dominion on ABL components. Mezz pieces vary by covenant set.
Can we bridge an SBA or bank takeout?
Yes, if the takeout is credible and timelines align. We design covenants so the refinance is achievable.
What if equity is below 30 percent?
We will try to solve with ABL, mezz, or an insurer counter-guarantee. If the numbers still miss coverage, we will say so upfront.

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.

Trade Finance

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.

Submit a Request

Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

Submit a Request

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.

Submit a Request

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.