TurboFunding is a lending broker, not a direct lender. Rates and terms vary based on borrower profile and lender approval. This is not financial advice.
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Short-term capital to seize opportunities
Short-term financing to bridge gaps between purchasing new property and securing permanent funding.
Asset Value
Sufficient collateral
Exit Strategy
Clear repayment plan
Credit Score
600+
A bridge loan is short-term financing designed to "bridge" a temporary gap between an immediate capital need and a longer-term funding solution. In business, bridge loans are most commonly used in real estate transactions — for example, when you need to close on a new property before selling an existing one, or when you need capital quickly while waiting for an SBA loan or conventional mortgage to finalize.
Bridge loans typically have terms of 3 to 12 months and carry higher interest rates than long-term loans (7% to 12%) because of their short duration and the speed at which they fund. The tradeoff is access: bridge loans can fund in as little as 5 to 10 business days, compared to 30 to 90 days for SBA or conventional financing. They are designed to be repaid quickly — either through the sale of an asset, the closing of permanent financing, or a large incoming payment.
Bridge loan rates are higher than long-term financing because of the short duration and speed of funding. Rates typically range from 7% to 12% and depend on the collateral value (loan-to-value ratio), the strength of your exit strategy, your credit profile, and the deal's complexity. Deals with strong collateral coverage (e.g., 65% LTV or below) and a clear exit path generally qualify for the lowest rates.
A restaurant group finds a prime location and needs to close in 30 days, but their SBA loan won't fund for another 60 days. They take a $500,000 bridge loan at 9% interest for 6 months. Monthly interest-only payments are approximately $3,750. When the SBA loan closes two months later, the bridge loan is paid off in full. Total bridge cost: roughly $7,500 in interest — a small price for securing a location that would have gone to another buyer.
Submit your application with details about the asset or transaction being financed and your exit strategy (how the bridge loan will be repaid).
TurboFunding connects you with bridge lenders who specialize in your type of deal — commercial real estate, business acquisition, or equipment.
Lenders evaluate the asset value (collateral), your exit strategy, and your business profile. Approval decisions are typically faster than conventional loans.
Upon approval, funds are disbursed — often within 5 to 10 business days — allowing you to move quickly on time-sensitive deals.
An exit strategy is your plan for repaying the bridge loan — typically through the sale of a property, refinancing into a long-term loan, or receiving a large expected payment. Lenders require a clear, credible exit strategy because bridge loans are not designed for long-term repayment.
Most bridge loans offer interest-only payments during the loan term, with the full principal due at maturity. This keeps monthly costs low while you execute your exit strategy. Some lenders also offer partial amortization.
Yes. Bridge loans are commonly used to fund business acquisitions where timing is critical — for example, when a seller requires a fast close. The bridge can be repaid once permanent acquisition financing (such as an SBA 7(a) loan) is in place.
Our funding experts will match you with the product that fits your unique business needs.
