Short-Term Bridge Loans
Whatever your Short-Term Bridge Loans need might be, our team is made up of some of the top SBA experts in the country.
What are Short-Term Bridge Loans?
Short-term bridge loans provide immediate access to capital for businesses and investors who need temporary financing while waiting for long-term funding or liquidity events. These loans offer quick approvals, flexible terms, and short repayment periods, making them ideal for covering real estate purchases, business expansions, or other urgent financial needs
The Benefits of Short-Term Bridge Loans
Bridge loans provide fast and flexible financing solutions, helping businesses maintain cash flow and seize new opportunities.
Temporary financing
Designed to provide temporary financing until a more permanent financing option becomes available. They fill the gap between immediate funding needs and the longer-term financing solution.
Higher interest rates
Typically comes with higher interest rates compared to traditional loans. This higher cost reflects the expedited approval process, flexibility, and convenience offered by bridge loans.
Short repayment terms
As the name suggests, bridge loans have relatively short repayment terms. They are typically repaid within a few months to a year, depending on the specific terms of the loan agreement.
Collateral-based lending
Bridge loans often require collateral to secure the loan. The collateral can be in the form of real estate, inventory, accounts receivable, or other valuable assets. This collateral provides security for the lender in case the borrower defaults on the loan.
Quick access to funds
Offers quick access to capital, expedited approval and disbursement, and are suitable for urgent financial needs, such as real estate transactions, business acquisitions, or personal emergencies, bridging the gap between immediate funding requirements and long-term financing.
Flexibility and convenience
Provides flexible repayment options and collateral structures tailored to specific needs and timelines, offering borrowers the opportunity to leverage various assets, including real estate, inventory, or accounts receivable, making them an attractive choice for individuals or businesses facing credit or other constraints that may hinder their eligibility for traditional financing.
Bridging timing gaps
Frequently utilized in real estate transactions to bridge timing gaps, enabling individuals to secure funds for a new property purchase while awaiting the sale of their current home, ensuring a seamless transition without the need for interim housing or disruptions to their plans.
Capitalizing on opportunities
Enables individuals and businesses to capitalize on time-sensitive opportunities, such as investments, expansions, or acquisitions, by providing immediate capital and allowing borrowers to act swiftly and take advantage of profitable opportunities that may otherwise be unavailable while waiting for traditional financing approval.
Types of Short-Term Bridge Loans
1. Real Estate Bridge Loans
Ideal for real estate investors and developers who need fast capital for property purchases or renovations before securing long-term financing.
Loan amounts up to $5 million
Short repayment terms from 6 to 24 months
Used for fix-and-flip projects, commercial property purchases, or refinancing
2. Business Bridge Loans
Short-term funding for businesses waiting on revenue, investor capital, or permanent loans.
Loan amounts up to $500,000
Great for temporary cash flow shortages and urgent business expenses
Quick funding with minimal paperwork
3. Construction Bridge Loans
Designed to help developers and builders finance projects until permanent financing is available.
Covers material, labor, and operational costs
Funds disbursed in stages based on project progress
Higher loan-to-value (LTV) than traditional construction loans
4. Debt Payoff & Refinancing Bridge Loans
Provides immediate funds to consolidate or refinance existing high-interest debt.
Reduces monthly financial obligations
Helps businesses improve credit and cash flow
Allows refinancing into long-term, lower-rate loans
Bridge the Gap with Short-Term Financing
Access the capital you need quickly and efficiently with short-term bridge loans. Whether you’re financing a real estate transaction, covering business expenses, or waiting for long-term funding, our team at KEYZ Capital is here to help.
🔹 Fast Prequalification 🔹 Expert Loan Guidance 🔹 Top Lender Network
Frequently Asked Questions About Short-Term Bridge Loans
Here are some of the most common questions about bridge loans.
Purchasing or refinancing real estate
Expanding a business
Covering short-term operational expenses
Debt consolidation and refinancing
Construction or development projects
Loan amounts range from $50,000 to $5 million, depending on the loan type and collateral value.
Interest rates vary but typically range from 7% to 15%, depending on creditworthiness and loan structure.
Many bridge loans are secured by real estate, inventory, or business assets, but some may be available with a personal guarantee.
Bridge loans are designed for speed—most applications are approved in 7-14 days.
Most lenders require a minimum credit score of 600, but higher scores may secure better terms.
Yes! Some bridge loan programs are available for startups and new businesses, provided there is sufficient collateral.
Repayment terms typically range from 6 months to 3 years, with interest-only or balloon payment options.
Yes, many businesses use bridge loans as temporary financing before transitioning into long-term loans.
We provide tailored financing solutions, expert guidance, and access to top lenders to ensure your business secures the best funding options.
Why Work with KEYZ Capital?
At KEYZ Capital, we specialize in short-term bridge loans for businesses, real estate investors, and developers. Our team has extensive experience navigating the lending process, ensuring you get the best terms with minimal hassle.
1
Fast Prequalification & Expert Guidance
We simplify the bridge loan application process to help you secure funding quickly.
2
Access to Top Lenders
We connect you with a network of trusted lenders offering competitive terms.
3
Tailored Financing Solutions
We structure loans to fit your unique business needs and long-term success.
Loan Types & Products
Business Acquisition
Acquiring a competitor? Buying our a partner? Scaling your empire? We can help.
Working Capital
The quickest way to kill a business is to run out of cash. Let’s talk working capital to keep you alive and thrive.
Equipment Financing
Need any type of business equipment or machinery to operate your business. We can likely help finance it.