Fast Bridge Capital for Business Acquisitions
When SBA 7(a) or traditional bank loans fall short or take too long — we provide the gap capital to close the deal. Term sheets in 48 hours. Funding in 4–5 business days.
Ideal for buyers who need to complete the capital stack quickly.
The Problem
Why good acquisition deals fall apart
SBA and bank financing can be a strong foundation — but they are rarely enough to close a competitive acquisition on time.
SBA timelines drag out
SBA 7(a) loans can take months. In a competitive sale, the seller rarely waits for a bank committee to finish its checklist.
Partial approvals or declines
Traditional banks often approve only a portion of the purchase price — or decline the deal entirely — leaving the buyer scrambling.
The capital stack has a gap
Bank financing, seller financing, and buyer equity do not always add up to the purchase price. A missing piece stalls everything.
Speed decides the winner
Good businesses attract multiple buyers. The one who can close quickly and with certainty usually wins the deal.
The Solution
Bridge capital that closes the deal
We provide the missing piece of the capital stack with speed, flexibility, and certainty of close.
We fill the gap
Ironclad Funding Partners provides flexible bridge and gap capital to complete the capital stack alongside bank, seller, and buyer equity.
Cashflow-based underwriting
We focus on the target business performance, not a perfect credit profile or a lengthy SBA process.
Fast, certain decisions
Term sheets in 48 hours and funding in 4–5 business days so the closing timeline stays intact.
Deal execution partner
When we issue a term sheet, we close. You can tell the seller, broker, and banker the capital is secured.
Real Case Study
How we saved a $1.2M car wash acquisition
The deal
A buyer was acquiring an existing car wash / auto business for $1.2 million. The capital stack included a $600,000 traditional bank loan, $200,000 in seller financing, and $200,000 in buyer equity.
The remaining $200,000 gap threatened to stall the transaction. SBA financing would have added weeks — and the seller was not willing to wait.
The Ironclad solution
Ironclad Funding Partners provided the $200,000 bridge capital needed to complete the capital stack — without SBA financing.
Deal closed successfully and on time.
Who This Is For
Built for buyers who need speed and flexibility
Business buyers
Buyers of existing businesses who need gap or bridge capital to complete a transaction.
Entrepreneurs outside SBA fit
Entrepreneurs who cannot fully qualify for SBA 7(a) or need a faster closing timeline than traditional lenders allow.
Partial bank financing
Situations where the bank is only providing part of the purchase price and the remaining capital must be secured quickly.
Time-sensitive acquisitions
Acquisitions requiring speed and flexibility in the capital stack to meet a fixed closing date.
How It Works
From first call to funded in days
Submit deal information
Share the purchase price, capital structure, target financials, and timeline. We review quickly and ask the right questions.
Direct decision-maker call
You speak directly with a funding decision-maker who understands acquisitions, not a call-center script.
Term sheet in 48 hours
If the deal fits, we return a clear, transparent term sheet structured around the closing timeline.
Funding in 4–5 days
Wire hits your account so the acquisition can close on schedule — without SBA delays or last-minute scrambling.
Qualification Criteria
Straightforward acquisition fit
We tell you upfront whether the deal qualifies — no months of back-and-forth before a decision.
- Target business typically 2+ years in operation
- Positive cash flow / EBITDA
- Financing range: $250K – $15M
- Clear path to repayment from operations or refinancing
- US-based operating company or acquisition
- Realistic capital stack with identified bank, seller, or buyer equity
Don’t let a funding gap kill a good deal
If you have a solid acquisition opportunity and need the remaining capital to close, reach out today.