Bridge capital
Get $5,000 to $10 million in short-term financing to cover a funding gap, close a time-sensitive deal and keep the business moving while long-term capital comes together.
- No collateral required
- Fast funding when timing matters
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
How bridge capital works.
You receive a sum now to cover the gap until money you already have coming arrives: long-term financing that’s closing, a property or business sale, or a large payment that’s due. When that money arrives, it pays the bridge off.
Because the term is short and the payoff is known, we look closely at that payoff: the signed sale contract, the bank’s commitment letter or the insurer’s settlement. A clear payoff is the main thing a funder looks for.
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What it costs. Short-term financing costs more for each month you hold it than long-term financing, and you hold it for far fewer months. Compare offers by the total in dollars.
Payments along the way. Some bridge capital takes small payments until the payoff, and some is paid off in one sum at the end. Plan your cash around whichever yours is.
When a closing runs late. Know before you sign whether the term can be extended if the sale or the long-term financing takes longer than planned, and at what cost.
What it’s based on. Your revenue, your cash flow and the payoff you have lined up, not the assets you own.
Bridge capital at a glance.
- Short-term
- Covers a set gap, repaid when the long-term financing or deal closes
- How much
- $5,000 to $10 million
- Decisions
- Same-day decisions, with funds in as little as 24 hours
Compare your options.
See how Noya Funding stacks up against other financing sources.
| Traditional Bank | Other Online Lenders | ||
|---|---|---|---|
| Funding Speed | Same day to 48 hours | 30-90 days | 2-7 days |
| Funding Amount | $5K-$10M | $50K-$5M | $5K-$500K |
| Hard Credit Pull | Never | Always | Usually |
| Min. Annual Revenue | $150K+ | $250K+ | $100K-$250K |
| Min. Credit Score | 500+ FICO | 680+ FICO | 550-600+ FICO |
| Collateral Required | None | Often | Sometimes |
| Time in Business | 6+ months | 2+ years | 1+ year |
| Dedicated Advisor | Always | Never | Sometimes |
| Documents Needed | 4 bank statements | Full financials + tax returns | Varies |
| Application Time | 5 minutes online | Days to weeks | 1-3 days |
| Apply NowApplying won’t affect your credit score. |
What small businesses use bridge capital for.
Closing on a property
Buy the building now and pay the bridge off when the mortgage funds.
Buying a business
Close on time while the long-term financing finishes its review.
Waiting on a sale
Cover costs while the sale of a property or a division completes.
A payment that’s due
A contract payment or an insurance settlement that’s agreed but hasn’t arrived yet.
Payroll during a change
Pay staff during a move, a merger or a change of bank.
A deal with a deadline
Stock, equipment or a lease offered at a price that ends before the bank can fund.
When bridge capital is the right choice.
Bridge capital is built for a gap with a set end. If you know when the long-term money arrives, it gets you there.
You’re closing a deal before long-term financing arrives
Buying a business, a property or a partner’s share means committing capital before the long-term financing closes. Bridge capital covers that window so the deal closes on your timeline, and the long-term financing pays it off when it lands.
You’re waiting on a large payment or settlement
A large client payment, a settlement or a sale will bring in money, just not today. Bridge capital covers payroll, operating costs or an obligation that’s due until that money arrives, and the payment pays it off.
You need to move faster than the bank
Long-term financing can take weeks or months, and an opportunity may need capital now. Bridge capital buys that time, with same-day decisions and funds in as little as 24 hours, so you keep the deal while the paperwork finishes.
All you need to qualify.
We look at more than your credit score, including the payoff you have lined up, your revenue history, deposit patterns and time in business. A business with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
What can bridge capital be used for?
Anything with a known payoff: closing on a property or a business before the long-term financing funds, moving ahead before a sale completes, or covering costs until a large payment arrives.
How long does bridge capital last?
Until the gap closes. It’s repaid when the long-term financing funds or the deal completes.
What does bridge capital cost?
More for each month than long-term financing, for far fewer months. Compare offers by the total in dollars, and by what it would cost if the payoff came late.
What if the long-term financing falls through?
The bridge is then repaid from another source. That’s why we look closely at the payoff.
How is it different from a term loan?
A term loan is paid back in fixed payments over 6 to 48 months. Bridge capital covers a shorter gap and is paid off by money that’s already on its way.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.