Bridge Loans To Close Business Acquisitions

Acquisition Bridge Capital

Bridge Loans To Close Business Acquisitions

Many business acquisitions fail not because the buyer is unqualified, but because permanent financing does not line up with closing deadlines.

Bridge loans provide short-term capital that allows buyers to close, stabilize the business, and refinance into longer-term debt.

Financely provides bridge loan advisory and debt placement for business acquisitions where speed and certainty matter.

What An Acquisition Bridge Loan Is

An acquisition bridge loan is short-term senior or subordinated debt used to fund all or part of a purchase price until permanent financing is arranged.

Core idea: bridge capital buys time. It does not fix bad deals.

When Bridge Loans Make Sense

Permanent Lender Not Ready

  • SBA or bank credit committee timeline too slow
  • Final diligence still in progress

Seller Requires Fast Closing

  • Competitive auction
  • Distressed or time-sensitive sale

Capital Stack Gap

  • Senior lender sizes lower than needed
  • Equity shortfall

Refinance-Oriented Strategy

  • Stabilize operations
  • Refinance into cheaper debt

Typical Bridge Loan Structures

Senior Bridge

  • First lien
  • Lower rate than mezz

Junior / Mezz Bridge

  • Behind senior lender
  • Higher rate

Unitranche Bridge

  • Single lender
  • Blended pricing

Bridge + Earnout

  • Reduces upfront cash
  • Aligns seller incentives

What Bridge Lenders Underwrite

Target Cash Flow

  • Historical EBITDA
  • Stability

Collateral Package

Most bridge loans require comprehensive security consistent with All-Asset Lien Packages.

Exit Plan

  • Bank or SBA takeout
  • Refinance path

Borrower Profile

  • Experience
  • Liquidity

How Financely Places Acquisition Bridge Loans

Financely operates as a transaction-led capital advisory desk. We package and route acquisition bridge transactions to matching lenders.

1) Feasibility Review

  • Deal structure
  • Cash flow
  • Exit path

2) Lender-Ready Package

  • Underwriting memo
  • Sources and uses
  • Risk summary

3) Placement And Closing

  • Lender routing
  • Term sheet negotiation

Who This Service Is For

  • Independent sponsors
  • Search funds
  • Strategic buyers
  • Owner-operators

Submit An Acquisition Bridge Loan Request

If you have a signed LOI or PSA and financials, submit your deal for bridge financing review.

Submit Your Deal

FAQ

Do you guarantee bridge loan approvals?

No. Lenders decide. Financely structures and routes.

How fast can a bridge loan close?

Some bridge lenders can close in 10 to 20 business days with complete documentation.

Are bridge loans expensive?

Yes relative to bank debt. They are priced for speed and risk.

Do you work on success fee only?

No. Packaging and placement require paid engagement.

Important: This page is for general information only and does not constitute legal, tax, or investment advice. Financely is not a lender and does not guarantee outcomes.

Bridge capital closes deals. Permanent capital builds value.