You exit a bridge loan by refinancing into long-term debt or selling the asset. The exit should be planned before the loan funds, not after — which is exactly how we underwrite: if we don't believe in your exit, we don't fund, because our own money is in the deal.
Most BuildUp borrowers refinance into a bank or SBA loan within 18 months, often back at the same bank that wasn't ready earlier. Some sell the asset or the business on a planned timeline.
There are really three exits: refinance into permanent debt, sell the asset or business, or pay down from operating cash flow. The strongest deals have a primary exit and at least one backup identified before they ever fund.
The risk to avoid is the bridge with no exit — capital taken to solve today's problem with no credible plan to retire it. That's how short-term debt quietly becomes a trap.
A credible exit is the difference between a bridge that strengthens your business and one that strains it. We map multiple exit paths before a dollar moves.
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Related: Bridge loans · Lending in Utah