Business bridge loans: Fast capital when you need it most

Need funds before you qualify for a renewal? It’s not uncommon. 56% of U.S. businesses need early financing to manage operational expenses.

Credibly’s Bridge product helps you access additional capital sooner, so you can act on growth opportunities or cover unexpected costs without waiting.

Trusted by:

$3+

Billion in financing

Approval

As fast as 2 hours

Funding

As fast as 4 hours

55,000+

Small businesses financed

Gear up for success

Why you should consider business bridging finance:

Access new funds before reaching the 45% remitted point on your current financing
Manage cash flow or cover surprise expenses without disrupting operations
Get guidance from a dedicated Senior Bridge Specialist who supports your success

Requirements to qualify

While requirements may vary, your business will generally need:

Have an active Credibly financing agreement
Have not yet reached 45% remitted on their current financing
Are in good standing with their existing financing

What our customers say about working with Credibly

How does this work?

51% of small business owners report that uneven cash flow is a real challenge. If you find yourself in need of additional funds before being eligible for a Credibly renewal, Bridge financing can give you early access to capital.

It’s designed for businesses that need funds during growth spurts, seasonal dips, or when urgent opportunities arise.

Our Bridge product allows you to access capital when you need it most, even if you’re not yet eligible for a standard renewal.

You can use your bridge funds to:

Invest in new equipment or inventory
Expand your marketing efforts
Cover payroll or operational costs during slower periods
Take on new projects or contracts
Handle unexpected expenses

We are trusted by:

It’s easy to apply for financing* with Credibly

Explore your options without damaging your credit score.

Apply online

Click “Get Started” to apply for bridge financing.

Gather required documents

We’ll ask for bank statements and a government-issued ID during the application process.

Approval in as fast as 2 hours

Your application will be reviewed, and you can get approved in as fast as 2 hours.

Funding in as fast as 4 hours

If approved, your funds can be deposited as soon as the same business day.

Explore the benefits of getting your commercial bridge loan with us

Pros

Access fast capital without waiting for a renewal
Flexibility to cover cash flow gaps or seize time-sensitive opportunities
Personalized support from a dedicated Senior Bridge Specialist
Early funding helps you maintain growth during seasonal or unexpected dips

Cons

This is a short-term solution, not meant for long-term cash flow issues
Bridge financing typically has higher rates than standard loans
You need a clear plan to repay or refinance quickly

Why work with Credibly?

Trusted financing provider

Credibly has provided over $2.5 billion in financing to more than 50,000 small businesses across the U.S. Our fast processes and friendly experts are why we have a 4.8 out of 5 rating on Trustpilot.

Best-in-class customer service

You’ll work with a dedicated Senior Bridge Specialist who helps you understand your options, secure the best offers, and support your business as it grows.

Explore the benefits of getting your commercial bridge loan with us

Pros

Access fast capital without waiting for a renewal
Flexibility to cover cash flow gaps or seize time-sensitive opportunities
Personalized support from a dedicated Senior Bridge Specialist
Early funding helps you maintain growth during seasonal or unexpected dips

Cons

This is a short-term solution, not meant for long-term cash flow issues
Bridge financing typically has higher rates than standard loans
You need a clear plan to repay or refinance quickly

Get access to capital through our smooth, innovative funding experience

Flexible financing with a data-driven approach.

We know a credit score doesn’t always paint a full picture of your business. At Credibly, we use data science to better evaluate your business as a whole.

Secure and convenient checkout process that fits your schedule.

Our state-of-the-art online checkout empowers eligible customers to complete their checkout process securely and on their own time.

Fast approvals with efficient processes.

Your business needs don’t wait. Our process can get you approved for financing in as fast as 4 hours, so you can focus on running your business.

Frequently asked questions about business bridge loans

What is Credibly's Bridge product?

The Bridge product is a financing option that allows you to access additional working capital sooner than you would with a traditional renewal.

It is specifically designed for businesses that fund with Credibly and need funds before reaching the 45% remitted mark of their current financing.

How is the Bridge product different from a standard renewal?

A standard renewal typically requires you to have repaid 45% of your current financing.

The Bridge product allows you to get new capital before you reach this point, giving you more flexibility and control over your business's financial health.

What kind of support will I receive?

You will be paired with a dedicated Credibly representative who will be your point of contact for any questions about your current financing, renewal options, or the Bridge product. We are committed to being a partner in your long-term success.

What can I use bridge funds for?

Bridge financing gives you flexible capital to cover short-term needs while you wait to qualify for a renewal or receive longer-term funding.

Bridge funds are meant for short-term growth or stability needs. Popular uses include covering operational costs, new inventory, marketing, seasonal cash flow support, or other short-term needs that support your business growth.

Our recent blogs

Here’s what to do when you’re about to default on a business loan.

Table of Contents What happens if you default on a business loan? What happens if your business defaults on a loan? What if I

You don’t have to choose between a holiday rush and steady growth. Get ready to do both.

Table of Contents Who founded Small Business Saturday? Key facts about Small Business Saturday When is Small Business Saturday? What happens on Small Business Saturday?

Why businesses need AI tools for marketing to stay ahead

Table of Contents What makes AI tools for marketing valuable Categories of AI marketing tools every business should know How AI tools for marketing

Apply for business financing online today

Ready to keep your business moving? Find out how much you qualify for.

In general, you will need:

$15K+ in monthly deposits
6 months+ in business
500+ credit score
Business revenue is deposited into a business bank account
Business is operating in the U.S.

* Factor rates are included in your daily estimate to simplify remittances and account monitoring. Best factor rates available to merchants with excellent credit and financial strength.

** $15K+ avg. deposits for a three-month average and the most recent month. Rates, pricing, requirements, and other terms and conditions are subject to change without notice.

*** Some products are made available through Credibly´s network of external funding partners.