What is a Bridge Loan and How Can It Work for You?
Bridge loans are short-term loan options that can range from a few weeks to a few years. Bridge loans are meant to provide quick cash-flow for businesses to bridge the gap between the shortage of funds and business expenses. Since some business loans can take a few weeks to be approved, bridge loans are here to provide almost instantaneous funds for businesses seeking ways to bridge their current financial needs.
Getting the funds your business needs from a traditional lender can help you secure resources to grow your business. Unfortunately, traditional business loans often take time to process. Even if you’re approved, you may not be able to access the loan funds for several weeks. Bridge loan lenders help you get the money you need for immediate expenses while you wait for other financing to come through.
Pay Tax Bills
- Use bridge loans to pay off a tax bill that’s higher than usual
- Help your business catch up on tax expenses to remain in good standing with the IRS
Replenish Capital
- Get money to pay for traditional loan costs, such as origination fees, which could deplete business cash reserves
- Use bridge loans as a cash infusion when your traditional lender can’t come through
Rapid Expansion
- Take advantage of time-sensitive opportunities to expand your business
- Hire the contractors and staff needed to open and run a larger business operation
Cover Costs During the Lows
- Cover expenses during seasonal lulls
- Bridge loans allow you to pay your bills even if your clients are late on payment
How to Apply
Easily apply online for a bridge loan to cover immediate expenses in the interim before more permanent financing is ready. Applying for a commercial bridge loan is simple with our online application process. We’ll connect you with a dedicated Loan Specialist who will help you determine if a bridge loan is right for your business.
How Does a Bridge Loan Work?
Easy Application Process
Get started applying for a bridge loan with our short online application and 3 months of bank statements.
Helpful Loan Guidance
A Loan Specialist will contact you to help you choose the right business capital financing.
Quick Decision, Fast Funding
You could be approved, and funds deposited into your account, in as little as 24 hours.1.
What Customers Are Saying
Ron Beatty, Owner
Beatty Lawn & Tree Service
Knowing how hard it had been trying to secure small business loans in the past, this family-owned business sought out National Funding thanks to its reputation for accessible, hassle-free loans. Being able to purchase new, reliable equipment was a critical component for this growth business, and National Funding helped them make it happen.
How Bridge Loans Support Your Industry
Virtually every type of business has short-term needs for cash to cover capital business expenditures and keep their operations on track. National Funding has experience providing bridge loan solutions for businesses in almost every type of industry.
How Bridge Loans Support Your Industry
Virtually every type of business has short-term needs for cash to cover capital business expenditures and keep their operations on track. National Funding has experience providing bridge loan solutions for businesses in almost every type of industry.
Why National Funding?
Nobody provides a more personalized approach, with experience Loan Specialists to guide you every step of the way and answer your funding questions. Our process makes getting the money you need to cover business expenses easy.
We Know Your Industry
We have experience helping a wide variety of business owners secure the right financing solution
Simple, Fast Application Process
No-cost, no-obligation application with funding as fast as 24 hours1
A Trusted Lending Partner
Supporting 50,000 businesses nationwide with over $3 billion in funding
Dedicated Loan Specialists
Our Loan Specialists care about your success and guide you to the right loan to get the cash you need
High Approval Rates
Even if you’ve been turned down elsewhere, there’s still a great chance we can get you the business capital you need
Hassle-Free Payments
We provide fixed terms and set up simple, automatic payments
Bridge Loan Resources
You might be wondering how bridge loans can help your business succeed. Use these resources to better understand how to benefit from a commercial bridge loan for your business.

Should I Offer Financing to my Customers?
Adding a financing option for your customers could add up to more sales. If you find yourself needing cash when offering financing, bridge loans may be the perfect solution. Read this post to learn how a financing program can help you retain customers.

How Seasonal Businesses Can Stay Competitive Through the Highs and Lows
If you run a seasonal business, you know how difficult the off season can be. Working with bridge loan lenders is just one way to keep your cash flow steady during the slow months. This post offers other ideas to keep business moving when it’s the off season.

Business Financing Options When Cash Flow Dries Up
It's hard to run a business when cash isn't flowing. Bridge loans are one way to keep your cash reserves full while waiting for an increase in capital. Check out this post to learn how bridge loans and other financing solutions can boost your business cash flow.
FAQ: Bridge Loans
As a business owner, it’s important that you ask questions before making any financing decisions. We’ve collected some of the most commonly asked questions about bridge loans.
Applying for bridge loans from National Funding is quick and easy. Simply use our online application and fill out a few small details about your business. A knowledgeable Loan Specialist will get in touch with you to learn more about your business. They’ll help you put together a customized loan solution to bridge your cash flow gaps.
Bridge loans work similarly to other short-term business financing as a way to bridge the gap between your current cash reserves and your next capital infusion.
Even business owners with great credit often get declined by traditional lenders. If you have less than stellar credit, you may be worried that it’s impossible to get a business loan. Luckily, bridge loans from National Funding look at where your business is headed and don’t rely on your credit score as heavily. We say “yes” more often than not.
Bridge loan amounts vary by business and business-owner. Our Loan Specialists will determine the right loan amount for your business and your budget after they review your application and pertaining documents.
There are quite a few differences between bridge loans and traditional loans, it is just a matter of choosing the loan that is right for your business. Bridge loans provide faster financing with short-term plans, which is essential for businesses that need cash-flow in a short timeframe. Traditional loans may take a few weeks to provide funds and the loan length can range from 5 to 20 years.
Ratings & Reviews
We are very proud of what our customers are saying on TrustPilot.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.