Services / Bridge loans
Business Bridge Loan Advisors
A bridge is only as good as its exit.
Bridge financing carries a business through a gap with a known end: long-term financing that’s approved but not closed, a sale, a large receivable, a refinance. Used well, it protects a deal. Used without a clear exit, it becomes the expensive debt you need rescuing from. Bayside starts with the exit, then structures the bridge to reach it.
Timing gaps with a defined end date and a clear source of repayment.
The exit: where the repayment comes from, and how certain it is.
Test the exit first, then size and price the bridge to match it.
When it fits
When a bridge is the right tool.
A bridge is short-term by design, and it usually costs more than the long-term financing it leads to. So it only makes sense when the gap is real, temporary, and has a payoff you can name.
Commercial real estate bridges go through our partner network.
Usually a fit if:
- Long-term financing is in process, and something can’t wait for it to close.
- A sale, receivable or refinance will repay the bridge on a date you can point to.
- Missing the timing would cost more than the bridge does.
- You have a plan B if the exit slips.
What to watch
Questions to answer before you take a bridge.
What repays it?
Name the exact source. “Revenue will pick up” isn’t an exit.
What if the exit is late?
Know the extension terms, and what they cost, before you sign.
What does it cost all-in?
Origination, exit and extension fees can matter as much as the rate.
What does it do to the deal it’s bridging to?
Some bridges complicate a bank or SBA closing, and an advance used as a bridge can’t be refinanced with a 7(a) loan. Check with the long-term lender first.
Side by side
A bridge, or something else?
| Bridge loan | Line of credit | Revenue-based funding | |
|---|---|---|---|
| Built for | A one-time gap with a defined exit | Recurring gaps | Short-term needs when other options aren’t available |
| Repaid from | A specific event: a closing, a sale, a refinance | Ongoing cash flow | A share of daily or weekly sales |
| Biggest risk | The exit slipping | Drawing to the limit and staying there | Total payback and pressure to renew |
| Before an SBA loan | Plan it with the SBA lender | Plan it with the SBA lender | An active MCA can’t be refinanced with a 7(a) loan |
Terms vary by lender and by file. SBA refinancing rule: SBA SOP 50 10 8.1, effective October 1, 2026; Coleman Report, September 2026.
How Bayside works
Advice first. Then the funding.
Tell us what the money is for
A short call about your business, your goal and your timeline. Then a short application and your last 3–4 months of business bank statements.
Get your Capital Strategy Report
Every option you actually qualify for, the real cost of each, and a straight recommendation. In 24–48 hours, with no obligation.
Choose, and we take it from there
We match your file to lenders whose requirements fit it, help structure the deal, support you through funding, and stay in touch after it closes.
Related services
Compare it with.
SBA loans
Know whether SBA is realistic now, later, or not your fit, before you apply.
Explore SBA loans →02Acquisition financing
Buy a business, a location or a partner’s share on terms it can carry.
Explore acquisition financing →03Working capital
Lines of credit, short-term loans and more, compared on real cost.
Explore working capital →Guides on this topic
The first deal is supposed to make the second one possible.
Bayside Business Advisors
Questions
Straight answers.
How long is a bridge loan?
Usually months, not years. It should be long enough to reach the exit with room for a delay, and no longer.
Can I bridge to an SBA loan?
Sometimes, but plan it with the SBA lender first. A bridge can complicate an SBA closing, and an active advance can’t be refinanced with a 7(a) loan.
Do you arrange real estate bridge loans?
Commercial real estate financing, including bridges, goes through our partner network. We’ll introduce you to the right partner.
What do you need from me?
What the bridge is for, what repays it and when, plus a short application and your last 3–4 months of business bank statements.
Bayside Business Advisors is a capital advisor and commercial finance broker, not a lender. Every approval, amount, rate and term is set by the lender.
Find out what you actually qualify for.
Start with a short conversation and a look at your recent bank statements. Your Capital Strategy Report shows every option you qualify for and what each really costs.
No obligation. No hard credit pull to see your initial options.
Bayside Business Advisors LLC Copyright © | All Rights Reserved 2026
Bayside Business Advisors is a commercial finance brokerage and capital advisory firm based in Miami, Florida; not a direct lender. We help established businesses across South Florida explore commercial financing through a network of independent funding partners. Funding approvals, amounts, rates, and timelines are subject to lender review and qualification. Results described on this page are not guaranteed and may vary based on individual business circumstances, creditworthiness, and lender requirements. Bayside Business Advisors LLC does not charge upfront fees. All funding is subject to underwriting and lender approval. This page does not constitute a commitment to lend.