Money today, not the next couple of weeks.
Bridge funding is short-term capital for a business that needs cash on a date the bank cannot hit. One page to fill in, four months of business bank statements to upload, and the money is in your account in a day. It is underwritten on the revenue in your account, not your credit history. Many owners take one while their Business Purpose HELOC is being processed, then pay it off early at a discount.
Built for the weeks
that decide the quarter.
A bridge gets you from here to there. It is the right tool when the need is real, the date is fixed, and the use pays for itself. These are the situations we see most.
Payroll lands before the invoice does
A large customer pays in forty-five days and payroll is Friday. Bridge funding covers the gap so nobody on the team notices there was one.
Inventory you have to buy now
A supplier offers a bulk price this week only, or the busy season starts before the last one has been paid for. The money arrives in time to take the deal.
A deposit or a closing that can't wait
A contract deposit, an equipment down payment, a lease on a second location. When the date is fixed and the bank's timeline is not, this is the tool.
A bridge to the HELOC
The most common play. Owners who qualify for a Business Purpose HELOC but need capital now take a bridge today, run the HELOC alongside it, and pay the bridge off early from the proceeds, keeping the early payoff discount.
A one-off cost with a clear return
A repair that keeps the doors open, a licence renewal, a marketing push ahead of a launch. Short use, short term, then it is done.
Not a fit
Long-term projects, refinancing a mortgage, or a business without steady deposits in the account. For those, the Business Purpose HELOC or a credit repair engagement is the honest answer, and we will say so.
Five steps,
one business day.
Everything happens online. The only thing that slows a file down is a missing statement, so gather those first.
- 01About five minutes
Fill in the one-page application
Fill in the one-page application
You do thisTell us about the business, the amount you need, what it is for, and whether there is a hard deadline. Say so if you already have open advances; the desk sees them in the statements either way, and an honest file moves fastest.
The desk and the funder handle thisThe desk reads the application the moment it lands and checks it is complete.
- 02Same day
Upload four months of business bank statements
Upload four months of business bank statements
You do thisThe last four full months from your main business account. Any time it is past the fifteenth of the month, add a month-to-date statement for the current month too. You can upload them right inside the application.
The desk and the funder handle thisThe desk reviews deposits, balances, and any existing positions. This is the whole underwrite: revenue, not your credit history.
- 03Same day
Review the offer, in writing
Review the offer, in writing
You do thisYou get the amount, the total cost, the repayment schedule, and the term in one document. Read it, ask anything, and only sign if it makes sense for the business.
The desk and the funder handle thisThe desk walks through the offer line by line. If the numbers do not work for your business, we say so rather than fund a deal that hurts you.
- 04Minutes
Sign and verify
Sign and verify
You do thisE-sign the agreement and confirm the business bank account the funds will land in. Have a government photo ID and a voided business check ready.
The desk and the funder handle thisThe funder confirms the account and the identity of the signer.
- 0512–24 hours from application
Funds are wired
Funds are wired
You do thisWatch the business account. Most files fund within a day of the signed agreement, many the same afternoon.
The desk and the funder handle thisThe funder sends the wire and the desk confirms it landed.
Revenue,
not your credit score.
Four months of statements tell the desk almost everything it needs. Here is what it is actually looking at, so nothing in the offer is a mystery.
Deposits
Consistent revenue flowing through the business account. This is what the offer is sized to.
Balances
Whether the account carries a cushion or runs to zero, and how often.
Existing positions
Any advances or short-term loans already being repaid from the account. They are not a knockout, but they shape what a responsible offer looks like.
Time in business
Established businesses with a track record of deposits get the strongest terms. Newer businesses can still qualify on the strength of their statements.
The use
Short, specific uses with a clear return fund most easily. The desk will tell you if the HELOC is the better instrument for what you described.
Priced for speed,
shown in plain numbers.
Faster money costs more than slower money
Bridge funding is priced for speed and for underwriting on revenue alone. It costs more than a HELOC secured by your home and less than letting a payroll bounce or a supplier walk. The right comparison is the cost of not having the money on time.
The full cost is written down before you sign
One document shows the amount you receive, the total you repay, the schedule, and the term. There is no rate you have to reverse-engineer. If a number is unclear, the desk explains it before anything is signed.
Repayment follows the business's rhythm
Repayment is structured around the revenue in your account over a short term, so it is sized to what the business actually brings in. The exact structure is set file by file and shown to you in the offer.
Pay it off early and pay less
Every bridge carries some form of early payoff discount: retire it ahead of term and part of the total cost is forgiven, with the largest savings in the first month. That is why so many owners pair it with a HELOC and pay the bridge off from the proceeds.
Our rule at the desk: if a bridge does not make sense for the business, we say so and point you at the Business Purpose HELOC or credit repair instead. A deal that hurts you is not a deal we want.
How most of our merchants
actually use it.
Many owners who qualify for a Business Purpose HELOC cannot wait the days or weeks it takes to close one. So they take a bridge today, run the HELOC application at the same time, and pay the bridge off early from the HELOC proceeds. Bridge funding always carries some form of early payoff discount, which is what makes this work.
Take the bridge for what you need right now
Payroll, inventory, a deposit, a stack of advances that will not wait. The bridge funds in a day, sized to your revenue, and covers the immediate need.
Run the Business Purpose HELOC alongside it
Apply for the HELOC at the same time or right after. It takes longer because real estate is involved, but the bridge has already bought you that time. Tell the desk both files are in play so they are structured to work together.
Pay the bridge off early from the HELOC proceeds
When the HELOC funds, retire the bridge balance and take the early payoff discount. You end up with longer, cheaper capital secured by your home, and the bridge cost you a fraction of its full term.
Early payoff discounts
Pay the bridge off ahead of its term and a portion of the total cost is forgiven. The sooner, the larger the discount. These bands are rough, vary by file, and the figures in your signed offer are the ones that apply.
| Paid off | Discount on total cost | Typically |
|---|---|---|
| Within 30 days | Roughly 20–25% | The biggest saving. Common when the HELOC was already in process. |
| Within 60 days | Roughly 10–15% | The typical window for a HELOC that started around the same time as the bridge. |
| Within 90 days | Roughly 7–10% | Still a meaningful saving on a file that took longer to close. |
Illustrative ranges only. Discounts, terms, and cost are set file by file and shown in writing before you sign.
The whole file
fits in one email.
Download the statements before you start the application and the file goes straight to review.
Completed one-page application.
Last four months of business bank statements, every page.
Month-to-date statement for the current month. This applies any month, whenever you apply past the fifteenth.
Government-issued photo ID.
Voided check from the business account the funds will land in.
Anything else the desk needs to clear a specific question on the file, such as proof of a deposit that is on its way.
Two tools,
two different jobs.
| Bridge Funding | Business Purpose HELOC | |
|---|---|---|
| Speed | Funds in 12 to 24 hours | Days to weeks, driven by how fast you respond |
| Secured by | Your future receivables | The equity in your home |
| Underwritten on | Four months of bank statements | Credit, income verification, property value, title |
| Term | Short, then done | Longer, with a revolving redraw period |
| Cost | Higher, priced for speed | Lower, priced against real estate |
| Best for | A fixed date the bank can't hit | Paying off advances, larger and longer needs |
| Together | Covers the gap while the HELOC closes; paid off early at a discount | Retires the bridge from the proceeds |
Own a home with equity and not in a hurry? Start with the Business Purpose HELOC.
Asked before a bridge,
answered plainly.
If your question isn't here, email sales@capovacapital.biz — a person answers, not an autoresponder.
From a complete application with four months of statements to money in the business account, most files fund within a day. Same-day funding happens when the application arrives early, the statements are complete, and the offer is signed promptly. The slow files are the ones missing a statement.
Need it today?
Start the one-page application.
Have your last four months of business bank statements, plus a month-to-date statement if it is past the fifteenth, ready to upload. A complete file in the morning is usually money in the account by the next business day.
Capova Capital LLC arranges business-purpose financing only. Bridge funding is short-term commercial capital, not a consumer loan. Amounts, costs, terms, and funding times are set file by file, shown in writing before signing, and subject to underwriting and funder approval.