Same-day decisions. Funded directly. No broker fees.
Approved
$125,000
Funded in 24 hours
Factor rate
1.22
No broker markup
$500M+
Funded
10,000+
Deals funded
24 Hrs
Avg. funding time
2012
Direct funder since
What a broker costs you
A broker puts cost and delay between you and the money.
Broker fees of 8–12 points are built into the deal. That money never reaches your business.
Your file is sent to dozens of funders, and every one of them gets your information.
Approval drags while the broker looks for a funder willing to say yes.
After funding the broker is gone, and there is nobody left to call.
Work with the company that funds the deal.
Bridge Cap Funding funds with its own capital. Nobody marks up your rate and nobody shops your file. The people you talk to are the people who decide, and the money comes straight from us.
Direct funder
How it works
Three steps from application to funded.
This is what happens when you apply with a direct funder.
01
Apply
Complete a short application and upload your most recent bank statements. It takes about 5 minutes, with no hard credit pull and no obligation.
02
Same-day decision
Our underwriters review your file in-house, so nothing waits on a third party. Most businesses hear back within hours, not days.
03
Funds in your account
After you are approved and sign, we wire the funds straight to your business account. Most deals fund within 24 hours of approval.
Skip the broker fees. Get funded by the source.
Apply in 5 minutes and get a decision the same day from a direct funder.
There is no broker and no markup. This is what it means to work with the funder itself.
We fund with our own capital
Bridge Cap Funding funds deals from its own balance sheet. There is no broker markup, no chain of third-party approvals and no question about where the money comes from.
You talk to the decision-maker, not a sales rep.
Underwriting the same day
Our underwriters work in-house. They read your application and bank statements and give you a decision that day, usually within hours. Nobody is waiting on a broker to shop the file.
Most deals fund within 24 hours of approval.
The full cost, up front
Before you sign, you see the factor rate, the total payback and the payment schedule. There are no hidden fees and no points buried in the rate.
The number we quote is the number you pay.
One team the whole way
The team you speak to on the first call is the team you speak to at the last payment. Call about your account or a renewal and you reach someone who knows your file.
A direct relationship, not a call-center handoff.
Why direct matters
Take the middleman out, and the markup, the delays and the finger-pointing go with him. That is why we fund direct.
Bridge Cap Funding exists to give business owners a faster, clearer way to get working capital, without paying a broker for the introduction.
What you get from a direct funder
✓
No broker fees added to your rate
✓
Decisions made in-house, the same day
✓
One team from application to payoff
✓
The full cost shown before you sign
✓
A direct line to the people who funded you
Ready to go straight to the funder?
Apply in 5 minutes. Same-day decision. No broker fees.
Every program suits some situations and not others. We will tell you both.
Direct funder: unless noted otherwise, every program below is funded by Bridge Cap Funding with its own capital. No broker fees and no middlemen.
SBA and long-term options
Bankable, 5–25 years
Long-term financing at conventional rates, through SBA programs or bank partners. This is the lower-cost capital every business should be working toward. Referral product, placed through lending partners.
Best for
680+ FICO with clean history
2+ years in business
Stable, documented revenue
Not yet if
Active advances or heavy stacking
Credit or banking issues unresolved
Secured lines of credit
Long-term, revolving
A revolving line backed by assets. Draw what you need, repay it, and draw again. It is the lowest-cost structure available outside conventional bank financing.
Best for
Businesses with 680+ FICO
Real estate or equipment assets
Businesses ready to refinance or consolidate existing advances
Consider carefully if
Collateral is limited or encumbered
Monthly payment programs
Stability, 12–36 months
Payments come out monthly instead of daily, at reduced factor rates. It suits businesses with steady monthly revenue and stronger credit that want to protect cash flow.
Best for
Established businesses with 650+ FICO
Businesses that bank monthly vs. daily
Clients transitioning from daily programs
Consider carefully if
Significant negative days in statements
Heavy stacking of existing advances
Revenue-based financing
Flexibility, ongoing
Payments move with your revenue. You pay more in strong months and less in slow ones, which eases the pressure a fixed payment creates in a slow stretch. Funded directly by Bridge Cap Funding.
Best for
Seasonal or cyclical businesses
Service-based companies
Businesses with variable monthly revenue
Consider carefully if
Revenue is already declining
Consolidation and restructure
Relief, strategic
Roll several active positions into one payment you can manage. It cuts the daily cash drain, raises your approval ceiling and leaves room to grow.
Best for
Businesses with 2+ active advances
Clients being crushed by daily debits
Anyone building toward bankable financing
Not always available if
Revenue has declined significantly
Defaults or UCC liens are present
Short-term working capital
Speed, 3–12 months
A revenue-based advance repaid from daily or weekly deposits. It is the fastest route to capital, typically 24 hours from approval to funding. Funded directly by Bridge Cap Funding.
Best for
Immediate operational gaps
Seasonal inventory needs
Time-sensitive opportunities
Businesses with strong daily revenue
Consider carefully if
Cash flow is already tight
You are already 50%+ over leveraged
We will tell you which program fits, then fund it ourselves.
A direct funder has no reason to shop your file. We review the application in-house, match it to a program and fund it with our own capital. If we are not the right fit, we will say so.
Credit is one factor. Revenue, deposits and existing debt count just as much. Here is how it breaks down.
A
Tier A: Prime
680–800 FICO, strong revenue, clean history
Monthly payment programs, 8–14% conventional
Secured line of credit options
SBA pathway (with qualifying revenue)
Lowest factor rates available
Highest approval ceilings
The strongest position for long-term financing. Our underwriters favor strong, steady deposit patterns.
B
Tier B: Near-prime
600–679 FICO, moderate revenue
May qualify for monthly payment programs
Factor rates starting from 1.17
Hybrid bi-weekly structures available
Consolidation structures may apply
Tier B applicants with strong deposits and steady revenue often qualify for competitive rates. Cash flow carries a lot of weight in our underwriting.
C
Tier C: Cash flow based
Below 600 FICO, deposit-driven approval
Weekly payment programs only
Daily payment programs
Approval based primarily on deposit volume and frequency
No monthly programs available at this tier
We structure carefully at this tier and offer only what cash flow can truly support. If a deal does not make sense for your business, we will decline it.
Important: a credit score is one data point, not the whole picture. Tier A starts at 680, Tier B covers 600–679, and Tier C applies below 600. Final qualification also depends on average monthly revenue, deposit frequency, number of negative days and existing advance exposure. A 670 FICO with poor deposit patterns may qualify for less than a 610 FICO with strong, consistent deposits. Our underwriters look at all of these before presenting any options.
The full picture
What our underwriters look at
Average monthly revenue
Every underwriting decision starts here. We typically fund 75–150% of monthly revenue, depending on tier and program type.
Deposit frequency
How often money comes in matters as much as how much. Steady daily deposits point to a healthier business than occasional large ones.
Negative days
Days with a negative balance are a major red flag. More than 5–7 per month sharply reduces your options and your approval ceiling.
Existing advance exposure
Active positions lower your approval ceiling. Heavy stacking is one of the quickest ways to limit what you can be funded for.
FICO and credit history
Personal credit affects your rate and which programs are open to you, but strong revenue and deposit patterns can offset it.
Approval ceiling
The most we will extend once every factor above is weighed. We work it out before structuring the deal, so you are never over-leveraged from day one.
No jargon. This is what to know about working with a direct funder.
A direct funder. Bridge Cap Funding funds deals with its own capital. We are not a broker and we do not send your file to third parties. The company you speak to is the company that makes the decision and sends the money.
Most businesses get a decision the day they apply. After approval and signing, funds are typically wired within 24 hours. We fund in-house, so nothing waits on a third-party approval or a broker.
There are no broker fees, because there is no broker. The rate we quote is the rate you pay. Before you sign anything, we show you the factor rate, the total payback amount and the payment schedule. No hidden points.
A short application and your most recent 3 months of bank statements. That is enough to start, and there is no hard credit pull at application. Depending on the program and amount we may ask for more documents, and we will tell you up front.
We work with businesses that have existing positions. Depending on your revenue, deposit patterns and current exposure, we may be able to consolidate them into a single, more manageable payment, or fund alongside them. We will review your situation and tell you what is realistically available.
A broker is a middleman. They take your application, shop it to funders and add their own markup to your rate, typically 8–12 points. With us you go to the source: no markup, no file shopping and no wait while a broker finds someone willing to fund you. One application, one decision-maker, one relationship.
Generally we look for at least 6 months in business, $15,000+ in monthly revenue and an active business bank account. Credit score counts, but it is not the only factor. Strong deposits and consistent revenue can offset a lower score. Apply and we will tell you exactly where you stand.
The team that funded your deal. We are the direct funder, so you have a direct line to the people managing your account. You will not be calling a broker who has to call the funder and then call you back.
Have a question we did not cover? Ask us and we will answer it plainly.