Question 1

How long does the application take?

Accepted Answer

Our online application takes just 5 minutes to complete. We only ask for essential business information to get started — no lengthy paperwork.

Question 2

What documents do I need to apply?

Accepted Answer

Initially, just basic business information. After approval, we may request bank statements or tax returns depending on the funding amount and product type.

Question 3

Will applying affect my credit score?

Accepted Answer

No. Our initial review is a soft pull that does not impact your credit score. A hard pull only occurs if you accept an offer and proceed with funding.

Question 4

How quickly can I check eligibility?

Accepted Answer

Most applications receive a decision target within 24 hours. Our AI matching system analyzes your business data in real-time across our multi-lender network simultaneously.

Question 5

How much funding can I qualify for?

Accepted Answer

Funding amounts range from $5,000 to $5,000,000+ depending on your business revenue, time in business, and the type of financing you choose.

Question 6

What are the rates?

Accepted Answer

Rates vary by product and business profile. Revenue-based financing typically has factor rates of 1.2–1.4, while SBA and term loans offer rates as low as Prime + 2.75%.

Question 7

Are there any upfront fees?

Accepted Answer

Never. Bridge Capital does not charge upfront fees. Any fees are clearly disclosed and only apply after you accept an offer and receive funding.

Question 8

How are repayments structured?

Accepted Answer

Options include daily/weekly ACH debits, monthly payments, or percentage of daily sales — depending on your product choice and preference.

Question 9

What are the minimum requirements?

Accepted Answer

Generally: 6+ months in business, $10,000+ monthly revenue, and an active business bank account. Requirements vary by product and lender.

Question 10

Do I need good credit to qualify?

Accepted Answer

Not necessarily. Many products focus on business revenue rather than personal credit. We have options for businesses across all credit profiles.

Question 11

Can startups apply?

Accepted Answer

Some products require 6–12 months of business history. We do have options for newer businesses with strong revenue — get in touch to discuss.

Question 12

What industries do you work with?

Accepted Answer

We work with most industries: restaurants, retail, healthcare, construction, trucking, professional services, e-commerce, and many more.

Questions, answered.

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