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Prime + 4
Starting rate*
5–7 Days
Typical time to close
Up to 18 Months
Available term
Bridge Capital Without the Collateral Conversation
Most bridge lenders want a lien on your assets, an appraisal, and three weeks. We underwrite the transaction and fund in days.
Collateral
Unsecured No Assets Pledged
We don't take collateral. A UCC-1 is filed simply as notice that we're in the deal it isn't filed against specific business assets, so nothing on your balance sheet is encumbered.
Position
Junior & Subordinated
The facility sits behind existing senior debt and stays there. No refinancing, no payoff of your bank line, no renegotiating a facility you're happy with.
Pricing
Starting at Prime + 4
Rates start at prime + 4 and are adjusted per the risk of the transaction. You'll know the number before you spend time on diligence.
​Speed
5 to 7 Day Close
From signed term sheet to funded in about a week and faster when the situation demands it. Light documentation, no appraisals to wait on.
Term
Terms Up to 18 Months
Long enough to be a real runway, short enough to stay a bridge. Structured around the event that repays it, with no prepayment trap.
Fit
Sized $100K to $15MM+
Bridge facilities across the same range as the rest of our platform, for companies generally at $1.2MM+ in annualized revenue, U.S. and Canada.
When a Bridge Is the Right Answer
Almost every bridge we write comes down to the same thing: the money is coming, it just isn't here yet.
Transaction Timing
Deals That Can't Wait
Fund a closing while permanent financing is still being papered
Cover a deposit, escrow, or earnest money on a short fuse
Replace a lender or equity source that fell out late in the process
Receivable & Payment Gaps
Cash Flow Timing
Payroll and vendor obligations ahead of a large customer payment
Delayed reimbursements, insurance proceeds, or contract milestones
Tax payments due before a refund or distribution arrives
Growth & Inventory
Opportunity Capital
Buy inventory or materials for a contract already awarded
Staff up ahead of a season or a newly signed customer
Take a supplier discount that pays for the cost of the bridge
Refinance & Restructure
Getting to the Next Facility
Bridge to a bank, SBA, or ABL facility already in underwriting
Clean up a maturing obligation without a fire sale of assets
Buy runway to complete an audit, tax filing, or system conversion
The Short Version
A junior, subordinated, unsecured bridge starting at prime + 4 no assets pledged, funded in five to seven days, on terms up to 18 months.
Prime + 4
Starting rate
5–7 Days
Typical close
18 Months
Max term
Terms at a Glance
Indicative parameters for our junior unsecured bridge program.
Structure
Junior unsecured bridge loan
Pricing
Starting at prime + 4, adjusted per the risk of the transaction
Time to Close
5–7 days from signed term sheet
Collateral
None no business assets pledged or encumbered
UCC Filing
A UCC-1 is filed as notice of our participation in the transaction only it is not filed against specific business assets
Term
Up to 18 months
Position
Junior and subordinated to existing senior debt
Geography
United States & Canada, industry agnostic
*Pricing can be adjusted per the risk of the transaction.
A Week, Start to Finish
Built to be the fastest facility on our platform.
01
Tell Us the Situation
What the bridge is funding, how much you need, and what repays it. A short call is usually enough.
02
Term Sheet in 24 Hours
Recent financials and bank statements, and we come back with pricing and structure — typically next day.
03
Light Diligence
No collateral audit, no appraisal. We confirm the repayment event and the company behind it.
04
Funded in 5–7 Days
Docs signed and proceeds wired in time for the deadline that started the conversation.