Bridge Loan

In business, timing is everything. A bridge loan from Choice Capital gives you immediate access to short-term capital so you can act when opportunity strikes — without waiting for a longer-term financing solution to come through.

Whether you're closing a real estate deal, covering a gap in cash flow, or funding operations while awaiting a major payment, a bridge loan is designed to move as fast as your business does.

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What Is a Bridge Loan?

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A bridge loan is a short-term financing solution — typically lasting between 3 and 24 months — designed to 'bridge the gap' between an immediate funding need and a future capital event, such as a property sale, long-term refinance, or investor funding round.

Bridge loans are known for their speed and flexibility. Approval and funding can happen in a matter of days, and collateral requirements are more flexible than traditional loans.

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Common Uses for a Bridge Loan

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Real Estate Transactions: Close on a commercial property before your long-term mortgage is finalized. Bridge the gap between purchase and permanent financing.

Business Acquisitions: Move quickly on a business purchase or buyout opportunity when timing is critical and traditional financing isn't fast enough.

Cash Flow Gaps: Cover payroll, inventory, or overhead costs while waiting for a large receivable, contract payment, or investment to come through.

Construction & Renovation: Fund a construction or renovation project while securing long-term real estate financing upon completion.

Refinancing Preparation: Meet urgent obligations or stabilize a business while preparing for longer-term refinancing or restructuring.

Bridge loans exist because great opportunities don't wait. When a deal, a property, or a business moment requires immediate action, Choice Capital is ready to move alongside you, with capital in hand within days, not weeks.

Is a Bridge Loan Right for You?

A bridge loan makes sense if you:

• Need capital quickly — within days, not weeks
• Have a defined repayment event coming (sale, refinance, payment)
• Are dealing with a time-sensitive real estate or business transaction
• Need to cover a temporary cash flow gap
• Can offer collateral in the form of real estate or business assets

Bridge loan terms vary based on the nature of the transaction and collateral. Our team will assess your specific situation and structure a solution that fits.

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