What is Subordinated & Unsecured Credit?
Bridge capital provides quick, flexible financing without requiring collateral or personal guarantees. Perfect for acquisition timing gaps, M&A bridge needs, or 'stretch capital' when you've maxed traditional lenders. Includes unsecured term loans and subordinated/mezzanine financing.
| Facility/Loan Size | Loan amounts from $50K to $20MM+ (scaled to your need) |
| Funding Timeline | Fast approval & funding for time-sensitive deals |
| Best For | M&A bridge timing gaps, Acquisition funding, Growth companies maxing traditional lenders, Seasonal or project-based cash needs, Companies with strong revenue but weak assets, Layered capital strategies, Leveraged buyouts, Stretch capital to accelerate growth |
How It Works
Bridge capital serves multiple strategic purposes: bridging time gaps during M&A (like a surgeon's sale timing), providing 'stretch capital' when you've maxed bank lines, funding seasonal needs without long-term debt, or structuring layered capital stacks. This includes interest-only bridge loans, unsecured term loans, and subordinated debt (mezzanine financing). Real example: a surgeon securing $1.475MM in bridge capital within weeks to cover year-end expenses while completing a hospital system acquisition. Another example: a growing medical device company layering $240K unsecured term loan with their AR revolver to move inventory ahead of tariff changes. Bridge capital is typically unsecured (no UCC filings, no personal guarantees on some products) and approved for 6-36 month terms.
Key Features & Benefits
Loan amounts from $50K to $20MM+ (scaled to your need)
Terms 6-36 months (flexible, interest-only options available)
Interest-only bridge structures for timing gaps
Unsecured options: no UCC filing, no collateral required
Some products: no personal guarantee needed
Lends at 1-5 times EBITDA (for subordinated debt)
Interest: Prime + 4% to 8% (varies by structure)
Second lien structures for layered capital
Fast approval & funding for time-sensitive deals
Subordinated & Unsecured Credit - Common Questions
Get answers to the most common questions about subordinated & unsecured credit
Other Funding Solutions
Working Capital Loans & Lines of Credit
A working capital loan is short-term financing that helps businesses cover day-to-day operational expenses: payroll, inventory, accounts payable, rent, etc.
Learn More →Invoice Financing
Invoice factoring (also called AR financing) is when you sell your unpaid B2B invoices to a factor for immediate cash. Instead of waiting 30-90 days for customers to pay, you get 75-95% of the invoice value within 24-48 hours. As customers pay, the borrowing automatically decreases—making it self-liquidating.
Learn More →Equipment Leasing
& Financing
Equipment leasing lets you acquire essential machinery, vehicles, technology without large upfront capital. Monthly payments spread the cost over 3-7 years.
Learn More →