Business acquisition bridge loans close the gap between a signed purchase agreement and permanent financing — without selling equity to a stranger because the bank needed another ninety days.
This is operating-company bridge: stock purchases, membership interests, asset deals with goodwill, and partner buyouts above the unsecured box. It is not bridge financing on investment real estate — different collateral, different pricing band, different form.
Typical facilities: $250,000–$15 million, one to twelve months, quoted per file. Jaken Finance Group arranges acquisition bridge capital for U.S. buyers. We originate hard money and DSCR separately.
Request acquisition bridge terms →
In the notes: purchase price, structure (stock vs asset), TTM revenue/EBITDA, target closing date, and permanent takeout plan (SBA, bank, seller note, or cash from operations).
Acquisition bridge vs other stacks
| Need | Product |
|---|---|
| Buy a company or majority interest, seven figures, weeks not months | Acquisition bridge (this page) |
| Buy a rental or CRE asset for investment | Bridge loans for investors |
| Partner buyout $50K–$500K, no collateral | Unsecured acquisition & buyout |
| SBA 7(a) acquisition, can wait 45–90 days | SBA business acquisition |
| Owner-occupied building + business | SBA 7(a) or commercial bridge now, SBA later on the real estate |
When sellers force the bridge
- Exclusive LOI expiring before SBA credit committee
- Competitive auction requiring proof of close capacity
- Carve-out or add-on where the platform lender will not fund until post-close integration
- Partner deadlock — one owner must be bought out before year-end tax planning
- Distressed or fast-moving target where delay loses the deal
The bridge buys calendar — not cheap long-term money.
How underwriting differs from SBA
SBA 7(a) acquisition files underwrite historical cash flow, equity injection, ownership eligibility, and goodwill limits over weeks.
Acquisition bridge underwrites:
- Can this buyer close and operate?
- What collateral exists day one — AR, inventory, equipment, real estate
- What is the exit — SBA refi, conventional bank, seller earn-out, or operational cash sweep
- What happens if exit slips — extension terms quoted per file
Bring quality of earnings summary if available, purchase agreement, seller financials, and buyer liquidity — not just a one-page teaser.
Worked illustration: add-on acquisition (composite)
Illustration only — not a live quote.
A $48 million facilities maintenance platform signs an LOI to acquire a $7 million revenue regional competitor for $4.2 million. The seller wants all cash at close in twenty-one days. The buyer’s bank will fund at 75 days after QoE.
- Bridge: $3.4 million for nine months
- Collateral: Combined AR and equipment of the platform plus target, corporate guaranty
- Exit: Bank term loan on consolidated cash flow; SBA 7(a) evaluated in parallel for working-capital line post-close
- Why not unsecured? Check size exceeds $500,000 cap
Worked illustration: partner buyout above unsecured (composite)
Illustration only — not a live quote.
Two founders of a $21 million software services firm disagree on strategy. One buys the other’s 40% membership interest for $2.8 million. The seller will not accept a five-year seller note without a $1.5 million cash component at signing.
- Bridge: $1.5 million for eleven months
- Repayment: Dividends and retained cash sweep from existing contracts
- Smaller check path: If the cash component were $350,000, unsecured partner buyout might close in 3–10 days without pledging the whole cap table
Bridge now, SBA later
The playbook mirrors real estate:
- Close on bridge when the seller requires certainty
- Integrate — clean financials, ownership docs, customer concentration
- Take out with SBA business acquisition or SBA working capital when the cheaper facility is ready
If SBA already said no, start at SBA loan denied and SBA alternative financing before stacking expensive daily-draft products.
Full comparison: short-term working capital vs SBA.
Submit an acquisition bridge
Request acquisition bridge terms →
Attach the LOI or purchase agreement if you can. Mark the use of funds as business acquisition in the notes.
Related: Short-term working capital hub · Inventory financing · (833) 264-7776
Jaken Finance Group arranges business acquisition bridge loans for U.S. operating companies. We originate investment-property loans separately. Pricing quoted per file.