Short-term support while your SBA financing comes together.
If your SBA loan is in motion but the timing doesn’t line up, an SBA bridge loan can help bridge the gap. IOU Financial offers short-term funding that moves quickly, backed by advisors who take the time to understand your business and help you choose what’s right for your next step.
Who qualifies for an SBA bridge loan?
Getting funding should not feel out of reach. If you run a business with steady revenue and at least a year in operation, you could be a great fit.
1 year in business or more
We support businesses that have established operations and a clear understanding of their business.
$10,000 or more in monthly revenue
A clear picture of monthly income helps us structure a loan that fits your practice comfortably.
A personal credit score of 630 or higher
We work with business owners across a wide range of credit scores.
When you treat small businesses right, the impact adds up.
We believe in doing what is best for business owners. In our 15 years, that approach has helped deploy $1.9B in loans, which has generated an estimated $6.5B in economic impact and created ~41,000 jobs.
Capital deployed
Comprising of more than 17,000 loans to small businesses (SMBs).
Incremental U.S. business activity
IOU’s $1.9B in loans deployed for small businesses has generated $6.5B in incremental economic growth.
Jobs created
That growth has employed over 41,000 hard-working individuals across the United States.
Celebrating the wins of hardworking business owners.
Thousands of small business owners have trusted IOU Financial to help them reach their goals. From first-time borrowers to long-time partners, they share one thing in common — a simple, supportive lending experience that works.
“As a rapidly growing small business with limited credit history, it’s been difficult for us to secure reasonable funding. IOU Financial offered fair rates and made the process straightforward.”
Small business owner | Founder | Transportation business
“IOU has been an outstanding source for short term funding for my business throughout the years of my career. I highly recommend their team especially when those emergencies pop up and you need funding quickly.”
Owner | Dental practitioner | Private practice
Quick answers: Your finance questions, solved.
An SBA bridge loan is short-term funding used while an SBA loan is in progress but not yet funded. It helps cover expenses or keep operations moving during the gap between SBA approval and final disbursement.
An SBA bridge loan provides temporary capital while you wait for your SBA loan to close. Once your long-term SBA financing is finalized, the bridge loan is typically repaid, helping you avoid delays tied to SBA timelines.
An SBA bridge loan is commonly used alongside SBA financing, but it is typically offered by lenders rather than directly through the SBA. It’s designed to support businesses as they navigate the SBA loan process.
SBA bridge loans are often used to cover operating expenses, acquisition costs, or other immediate needs that can’t wait for SBA loan funding. The goal is to maintain momentum during the transition period.
No. An SBA bridge loan is designed to be temporary. It’s intended to support your business throughout the SBA loan process, not to replace long-term financing.
Yes. IOU Financial advisors work with business owners one-on-one to understand their goals, timing, and overall financing plan. The focus is on helping you choose what makes sense, not selling a product that doesn’t fit.
Ready to accelerate your business?
Start your financing journey with a simple, transparent application process. We succeed when your business succeeds, which is why doing right by small business owners will always come first.