Business Bridge Loans up to $5,000,000
Short-term capital that closes the gap between today's opportunity and tomorrow's permanent financing. Built for time-sensitive deals: real estate purchases, acquisitions, refinancing, contract execution.
Start an applicationVoxen Capital structures business bridge loans from $30K to $5M for Canadian SMBs and real estate operators. Bridge loans are short-term financing designed to close a gap between two events — typically the purchase of an asset and the arrival of permanent financing or sale proceeds. The exit strategy — how the bridge gets repaid — is the most important part of the structure.
What is a business bridge loan?
A bridge loan is a short-term financing solution designed to close a temporary funding gap between two events — typically the purchase of an asset and the arrival of permanent financing or sale proceeds. Bridge loans prioritize speed and certainty over cost: they close in days, not weeks, and exist to make sure you don't lose the deal.
Voxen Capital structures bridge loans from $30,000 to $5,000,000 for Canadian businesses and real estate operators. Common scenarios: closing on a property before your existing property sells, funding a deposit on an acquisition while permanent financing is arranged, bridging a CRA payment, or covering a contract execution gap.
Most bridge loans fund within 48 hours of approval. Terms run from 3 to 24 months, with interest-only payment options. The exit strategy — how the bridge gets repaid — is the most important part of the structure, and our advisors design it with you upfront.
Best for these business situations
- Closing on real estate before existing property sells
- Acquisition deposits while permanent financing closes
- Refinancing higher-cost debt with a deal in process
- Time-sensitive opportunities with a clear exit
- CRA, payroll, or supplier payment urgency
- Contract execution gaps awaiting customer payment
- Construction draw gaps before next milestone
- Recapitalizing after a partner buyout or restructure
Less suited to
- Borrowers without a clear, near-term repayment source (exit)
- Long-term capital needs better served by a term loan
- Buyers optimizing for the lowest rate — bridge financing prioritizes speed
- Files lacking documentation to support the planned exit event
How it works
- Define the bridge — Tell us the gap to close: amount, deadline, and exit strategy (sale, refinance, payment, draw). The exit drives the structure.
- Structured in 24h — Our team underwrites against the exit and presents terms — loan size, rate, fees, payment structure, and maturity matched to your exit timeline.
- Funded in 48 hours — Sign and fund within 48 hours. Repayment is interest-only or balloon, with the principal repaid from the exit event when it arrives.
Bridge loan structure
| Loan Amount | $30,000 – $5,000,000 |
|---|---|
| Term Length | 3 to 24 months |
| Interest Rate | From 9.99% APR |
| Payment Structure | Interest-only or accrued |
| Origination Fee | 1–3% of loan amount |
| Time to Funding | 48 hours from approval |
| Collateral | Real estate, receivables, or business assets |
| Exit Required | Defined exit strategy mandatory |
At a glance
| Loan Size | $30K–$5M |
|---|---|
| Funding | 48 hours |
| Term | 3–24 mo |
Frequently asked questions
When should I use a bridge loan instead of a term loan?
Use a bridge loan when speed matters and you have a clear, near-term repayment source. A term loan is cheaper but takes longer to underwrite and amortizes over years. A bridge loan funds in 48 hours and is repaid in months — best for time-sensitive deals where the deal value far exceeds the cost of the bridge. If you don't have a clear exit, a bridge is the wrong product.
What does a bridge loan cost?
Bridge loans typically run 9.99–18% APR plus a 1–3% origination fee. The total cost depends on loan size, term, collateral quality, and exit certainty. Bridges are more expensive than term loans on a rate basis but cheaper than losing the deal — most clients see 3–10x return on the cost of the bridge through the deal it enabled.
What's an exit strategy and why does it matter?
An exit strategy is how the bridge gets repaid: sale of an asset, closing of permanent financing, receipt of a customer payment, or completion of a milestone. Lenders underwrite the exit more carefully than the borrower because the bridge's entire repayment depends on it. The clearer and more certain your exit, the better the rate and faster the close.
How fast can a bridge loan close?
Most Voxen bridge loans close within 48 hours of approval, with some real-estate-secured bridges closing in 24 hours when title work is clean. Application to funded typically takes 3 to 5 business days end-to-end. We can expedite to same-day funding when documentation is complete and the exit is well-defined.
Can I get a bridge loan secured by real estate?
Yes. Real estate is one of the most common bridge loan collateral types. Voxen places bridges secured by commercial real estate, multi-family, owner-occupied properties, and development sites. Loan-to-value typically caps at 65–75% of property value, with the property's exit (sale or refinance) defining the term.
Can I extend the bridge if my exit is delayed?
Often yes. Most Voxen bridge loans include extension options of 3 to 6 months at a modest extension fee, contingent on payment performance and an updated exit timeline. Extensions are negotiated upfront so you have certainty if your closing slips. The best practice: structure the bridge for the longest realistic exit timeline from day one.
Will a bridge loan show on my credit?
Personal credit impact depends on the lender and structure. Most commercial bridge loans report only to commercial credit bureaus (or not at all). A personal guarantee is standard, but soft-pull underwriting at application means no impact unless you accept and the lender pulls hard at closing.
What documents do I need?
For an unsecured bridge: 6 months of business bank statements, basic business info, and a clear exit timeline with supporting documentation (sale agreement, financing commitment, customer contract). For real-estate-secured bridges: add property appraisal, title, current financing details, and proof of insurance.