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Bridge · Direct from Inflection Financing

Bridge Loans

Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.

Apply for BridgeCalculate Payment
$10,000,000
Amount
3 – 24 months
Term
9.5%
Rate
12 – 48 hours
Funding
What is it
Bridge capital exists for one purpose: to fund a transaction faster than a conventional or SBA loan can close. Inflection Financing deploys bridge facilities in as little as 12 hours when timing is critical — the kind of speed required to win an off-market acquisition, secure discounted inventory before a price increase, or close a real estate transaction with a deposit deadline.

A bridge loan is short-term, interest-only debt designed to be retired within 3 to 24 months by a defined take-out source: a permanent loan, a sale of the underlying asset, or a predictable receivable. Because the underwriting focus is the exit rather than long-term cash flow, bridge approvals can be issued in hours rather than weeks. Inflection Financing bridge facilities range from $100,000 to $10,000,000 and price between 9.5% and 14.5% depending on collateral, loan-to-value, and term.

Best For
  • →Acquisitions with hard closing dates
  • →Inventory cycles ahead of peak season
  • →Real estate transactions awaiting permanent financing
  • →Capital deployment between funding rounds
Common Uses
  • →Short-term acquisition financing
  • →Inventory bridge for seasonal demand
  • →Pre-development and pre-permanent CRE
  • →Cash flow gap between contract and collection
  • →Discounted opportunity capture
Eligibility
  • →Clear exit / take-out source (refinance, sale, receivable)
  • →Asset coverage or strong cash flow
  • →Minimum $500K annual revenue
  • →Demonstrated repayment plan within term
Why Inflection Financing
  • →Funding in 12 to 48 hours from approved application
  • →Interest-only payments during the bridge period
  • →No prepayment penalty after month 3
  • →Direct lender — no broker fees, no markup
Bridge by Industry

Industries we finance with Bridge.

Construction Firms
$100,000 to $5,000,000
Hotels & Hospitality
$500,000 to $15,000,000
Technology Companies
$250,000 to $5,000,000
E-commerce Brands
$50,000 to $3,000,000

Bridge Loans — Frequently Asked

How fast can a bridge loan close?+

Inflection Financing funds approved bridge facilities in 12 to 48 hours. The first wire often hits within one business day of executed documents when collateral diligence is straightforward.

What's the difference between a bridge loan and a hard money loan?+

Bridge loans are underwritten against both the borrower's repayment plan and the collateral. Hard money loans are primarily collateral-driven. Inflection Financing bridge pricing is materially lower than typical hard money because we evaluate the full credit profile, not just LTV.

Do bridge loans have prepayment penalties?+

Inflection Financing bridge facilities have no prepayment penalty after the third month. The first three months carry minimum interest to ensure the underwriting and origination cost is covered.

What's the maximum loan-to-value on a bridge loan?+

Up to 75% LTV on commercial real estate, 80% on stabilized rental property, and 65% on raw land or pre-development sites. Cash-flowing businesses can borrow against EBITDA at multiples up to 3.0x.

Can I refinance a bridge loan with an SBA 7(a) loan later?+

Yes — and this is a common Inflection Financing structure. We bridge the immediate close, then refinance the bridge into a 25-year SBA 7(a) facility once the property or business is seasoned and SBA-eligible.

Other capital facilities
SBA 7(a) Loans
The flagship SBA program for established U.S. businesses — up to $5M.
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Equipment Financing
Asset-backed financing for machinery, vehicles, and capital equipment — up to 100% LTV.
Commercial Real Estate
SBA 504 and conventional financing for owner-occupied and investment CRE.

Ready for Bridge capital?

Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.

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