Business funding
Bridge Loans
Short-term financing that carries a deal from now to a defined exit.
General qualification guideline; lender and program requirements may vary.
Best forA defined short-term gap with a clear exit: a sale, a refinance, or permanent financing.
Overview
Financing for the gap, with the exit already in view
A bridge loan covers a gap: closing on a property before another sells, buying before permanent financing is in place, funding a value-add before a refinance, or seizing an opportunity with a hard deadline. It is secured by the asset, priced for its short term, and underwritten on one question above all: how and when does it get paid off?
Benefits
- —Closes faster than permanent financing
- —Underwritten on the asset and the exit rather than long operating history
- —Interest-only structures are common
- —Can fund acquisitions, value-add, and time-sensitive closings
- —Designed to be replaced by a sale or a longer-term loan
Good for
Situations where it tends to fit
Structures, terms, and eligible assets depend on the lender and program.
Documentation
What you will typically need
Documentation centers on the asset and the plan to exit:
- —Property or asset details, and the purchase contract if under contract
- —Exit strategy: the sale, refinance, or take-out financing that repays the bridge
- —Proof of funds for the down payment or equity contribution
- —Entity documents if title is or will be held in an LLC
- —Government-issued ID
Qualification factors
What generally matters
- —Strength and timing of the exit
- —Loan-to-value on the asset
- —Liquidity and reserves
- —Experience with similar transactions
- —Personal credit profile
- —Lender / program guidelines
Common questions
Bridge loans, answered plainly
How long is a bridge loan?
Typically months rather than years, sized to the exit. The lender wants to see a credible path to repayment on a realistic timeline before the term starts.
What if the exit is delayed?
Some programs allow extensions, usually at a cost. That is why we press on the exit plan up front: a bridge with a shaky exit is the wrong product, no matter how quickly it closes.
Is this only for real estate?
Mostly, but not only. Asset-backed bridges exist for other collateral and for business transitions with a defined liquidity event. Tell us the scenario and we will say whether it fits.
Have a closing to bridge?
Send us the asset, the timeline, and the exit. We will tell you whether a bridge fits and what it looks like.
The guidelines on this page are general guidelines only — not guaranteed lender approval requirements. Requirements vary by lender and program. TK Capital Solutions is not a lender; all funding is subject to lender underwriting and approval.