Bridge Capital
Short-term capital that holds your position when timing is the constraint.
What it is
Bridge financing is short-term capital that covers a specific gap — the time between an immediate need and a permanent financing solution or an expected inflow of cash. As the name suggests, it bridges you from where you are now to where you're about to be, then gets repaid from the permanent source or the event you were waiting on.
Who it's for
Businesses facing a time-sensitive opportunity or obligation where permanent capital isn't yet in place. Common cases: closing on a property before long-term financing finalizes, funding a transaction while an SBA loan is underwritten, or covering operations ahead of a known receivable, sale, or capital raise.
How the structure works
Bridge loans are deliberately short-term — typically months rather than years — and are priced higher than permanent financing to reflect speed and flexibility. They're structured around a clear, credible exit: the permanent loan that will refinance them, the asset sale that will repay them, or the cash event that closes the gap. A bridge without a defined exit is just expensive debt, so the exit is the heart of the structure.
The Carraway approach
We use bridge capital surgically — only when the timeline genuinely requires it and there's a clear path to take it out. We arrange the bridge and the permanent financing in tandem, so you're never holding short-term debt longer or more expensively than necessary.
The right capital structure starts with one conversation.
Tell us about your business and what you're trying to accomplish. We'll tell you where you fit across our lender network — and whether we're the right partner for this deal.