The other three
01Bridge financing
Short-term funding sized against a specific, evidenced event that will repay it.
For a gap with a known end. Not general working capital: bridge financing is arranged against something particular that is going to happen, and it is the certainty of that event, more than the health of the business, that decides whether it can be arranged at all.
02How it works
The mechanics.
What the instrument actually does, before anything about price.
The structure starts from the exit, not from the business. A funder wants to see what repays this and when: a contract that completes, a draw that releases, an invoice that settles, a refinance that closes, a property that sells.
That evidence does most of the work. A business that would not clear the floor for an advance can sometimes be bridged, because the question being asked is different, and a business with excellent statements can still be declined if the exit is vague.
It is priced and sized for weeks or months, not years, and it is the wrong instrument the moment the exit stops being a date and starts being a hope.
03Price
Why there is no range on this page.
Every other page on this site prints its numbers. This one does not, and saying why is better than filling the space with something we would have to walk back.
Quoted per file
There is no meaningful range to publish. A bridge is priced against how certain its exit is and how long it has to run, and those two things vary more between files than the pricing of any other product here. Quoted per file, once we have seen what repays it.
What we do publish
The full merchant cash advance range is on this site: factor rate, origination fee and term, with a calculator that shows the total to repay. If a published price is what you need in order to compare, start there.
Rates and terms, in fullWhere this is the right shape
- A signed contract, completed sale or approved draw that has not yet paid out
- Covering payroll or materials between milestones on work already won
- Holding a position while longer-term funding completes
Where it is the wrong shape
- General working capital with no particular event behind it. If nothing specific repays it, this is the wrong instrument and an advance is the honest alternative.
- An exit that depends on something outside your control, or on a date that has already moved once.
Telling you an instrument is wrong for you costs us a file. Not telling you costs you more.
05Sectors
Where this one tends to fit.
Each of these pages says why, in the context of how that industry is actually paid.
Construction and trades
The natural shape when the gap has a date on it: an approved draw, a completed stage, a contract that settles next month.
Funding for construction and tradesTrucking and logistics
Fits a specific settlement gap with a date on it rather than a general shortfall.
Funding for trucking and logisticsMedical and dental practices
The usual shape for an acquisition or a partner buyout, where a specific completion repays it.
Funding for medical and dentalAuto repair and sales
Suits a dealer holding a position between acquiring units and selling them.
Funding for auto repair and salesManufacturing
The right shape against a specific purchase order or a shipment that settles on a known date.
Funding for manufacturingWholesale and distribution
Fits a specific buying opportunity with a known sell-through, rather than general working capital.
Funding for wholesale and distributionProfessional services
Fits a signed engagement that has not yet started billing.
Funding for professional services
One application covers all four.
You do not have to decide which instrument you want before you start. The application asks the same questions whichever one ends up fitting, and which it is comes out of your statements rather than out of the box you ticked.