product
Bridge Loan
A bridge loan is short-term financing that covers a funding gap until longer-term capital or an expected cash event arrives.
Last updated Reviewed by ICG Funding
Definition
What it means.
Bridges are typically 3–18 months in duration and carry higher rates than long-term financing because of their short payoff window and structural risk. They are common in commercial real estate (bridging to permanent financing) and in working capital scenarios where a receivable or refinance is imminent.
A good bridge has a clear exit: a specific event (sale closing, refinance approval, large contract payment) that retires the bridge. Without a clear exit, bridges can roll into perpetual short-term debt.
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