Interim Capital
Bridge Funding to Cover the Gap Between Events
Bridge funding provides short-term capital to carry a business through the gap between a known future event, a receivable, a closing, a contract payment, and the present-day need for cash. Valhalla funds bridges directly from $10,000 to $5,000,000, with most approved businesses receiving funds within 24 hours.
- $10,000 to $5,000,000 available
- Sized to a specific gap or timeline
- Funded in 24 hours
- Repaid on payment or with revenue
Risk-free, no-commitment application. No hard credit pull to check options.
The Bridge Concept
When a Bridge Makes Sense
A bridge is appropriate any time a business has clear visibility into an incoming payment or event, a large invoice due in 60 days, a real estate closing, a seasonal revenue spike, a contract payment scheduled after project completion, but needs capital before that event occurs. Rather than a general working capital need, a bridge is defined by having a specific endpoint, which allows Valhalla to structure the term and, in some cases, the payoff mechanism around that known event.
Because the funding is still unsecured and based on current business cash flow rather than the specific future payment as collateral, underwriting looks the same as any other Valhalla product: four months of bank statements, deposit consistency, and credit profile. The future event informs how the business explains its repayment plan and can influence term length, but it does not replace the underlying cash-flow-based underwriting that determines whether the advance is approved.
- Defined by a known future payment or event
- Underwritten on current cash flow, not the future payment
- Often used ahead of a bank or SBA loan closing
- Term length can be tailored to the expected timeline
Common Bridge Scenarios
Contractors waiting on a final draw after project completion, businesses awaiting an SBA or bank loan closing that is delayed, companies bridging a gap between a lease renewal and a new location opening, and seasonal businesses covering off-season expenses until the next season's revenue begins are all typical bridge scenarios funded by Valhalla.
Bridging to a Bank or SBA Loan
Businesses that have been approved for a bank or SBA loan but are waiting weeks or months for closing sometimes use a short-term bridge to cover immediate needs, then pay off the bridge once the larger, lower-cost loan funds. This requires confirming the bridge's early payoff terms so the total cost of using both products together remains reasonable.
Structuring the Payoff
In some bridge arrangements, the business may prefer a shorter term aligned with the expected timeline of the incoming payment, paired with an early payoff provision that reduces total cost if the bridge is settled ahead of schedule. This allows a business confident in a payment landing within 60 to 90 days to avoid paying for a longer term than necessary.
In other cases, especially when the timeline for the incoming payment is less certain, a standard revenue-based or fixed-term structure without a tight early payoff assumption is safer, since it does not assume the bridging event will occur exactly on schedule. Valhalla discusses both approaches with applicants so the structure matches the actual certainty of the underlying event.
Qualifying for Bridge Funding
Standard requirements apply: six or more months in business, $15,000 or more in average monthly deposits, a 500 or higher credit score, and four months of bank statements. Because a bridge is often tied to a specific, larger event, businesses should be prepared to explain the expected timeline and amount of the incoming payment, even though it is not the primary underwriting basis.
There are no upfront fees to apply, and structured terms are typically presented within 48 hours, with funds released within 24 hours of signing. Bridge funding is available to businesses in all 50 states, and Valhalla's team can help structure the term length to reasonably match the timeline of the event being bridged.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly deposits
- 500+ FICO floor
- Active business bank account
The path to the hall
Funded in one working day.
Apply
One-page application. Entity details, monthly revenue, and what the capital is for.
Submit four statements
Your four most recent business bank statements. Underwriters return offers in 2–4 hours during business hours.
Choose your structure
Multiple offers side by side: factor or rate, term, daily vs weekly debit, holdback options.
Sign and fund
Sign before the 1 PM ET cutoff and funds wire the same day. After cutoff, next business morning.
FAQ
Bridge Funding — questions worth answering.
What makes bridge funding different from working capital?
Bridge funding is defined by a specific known future event, an invoice, closing, or contract payment, that the business is waiting on, and the term is often structured around that timeline. Working capital is more general-purpose and is not tied to a specific future payment, though the underwriting process is otherwise similar.
What if the expected payment is delayed?
The obligation to repay the bridge is not contingent on the specific event occurring on schedule; repayment continues per the signed terms regardless of whether the anticipated payment arrives as expected. Businesses should build some buffer into the term length rather than assuming the exact expected date.
Can I use bridge funding while waiting on an SBA loan?
Yes, this is a common use case. Businesses approved for a bank or SBA loan that is still in closing sometimes use a short-term bridge to cover immediate needs, then pay off the bridge once the larger loan funds, provided the bridge terms allow for a reasonable early payoff.
Is bridge funding secured by the future payment?
No, Valhalla's bridge funding is unsecured and underwritten based on current bank deposit activity, not the specific future receivable or event. The future payment informs the borrower's repayment plan and desired term length but is not pledged as collateral.
How is the term length determined?
Term length is discussed with the applicant based on the expected timeline of the event being bridged, balanced against what current cash flow can support. A business expecting payment in 60 days may request a shorter term with early payoff terms, while less certain timelines are typically matched to a standard structure.
What credit and deposit levels are required?
The same standard requirements apply as with other Valhalla products: six or more months in business, $15,000 or more in average monthly deposits, a 500 or higher personal credit score, and four months of bank statements.
Take your seat
Earn your seat at the table.
Submit your file. Receive structured terms within 48 hours. Risk-free, no-commitment application.