A bridge-to-SBA plan uses short-term capital to close now and refinance into an SBA loan once the SBA timeline catches up. The key is planning the refinance from day one — sizing the bridge so the SBA take-out is clean.
SBA loans are excellent permanent debt and painfully slow to close. When a deal has a deadline, a bridge funds it on time; the SBA loan then refinances the bridge weeks or months later.
It only works if the exit is real: the deal has to qualify for the SBA take-out, and the bridge has to be sized so that refinance pays it off in full. We underwrite that exit before we fund.
This is the path for many bank- and SBA-fallout borrowers — they were creditworthy all along; they just needed to close before the process finished.
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Related: Bridge loans · Lending in Texas