Bridge Capital
Bridge Capital Services is a Baltimore-based private SMB lender offering Term Loans, Lines of Credit, and Cash Advances through an online application portal, targeting US small businesses that struggle to access traditional bank financing since 2016.
- Company typePrivate
- Founded2016
- HeadquartersBrooklyn, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Bridge Capital does
Bridge Capital Services, LLC is a US-based private SMB lender founded in 2016 and headquartered in Baltimore, Maryland, operating across three domestic locations. The company targets small and medium-sized businesses that are unable or unwilling to access capital through traditional bank channels, offering three core funding products: Term Loans (9-18% APR, requiring FICO 650+ and $150K minimum annual revenue), Lines of Credit ($50K-$250K at 1% per month with usage-based repayment), and Cash Advances (9.99%/Prime rate, revenue-based offers with a 6-month minimum business tenure). The company emphasizes speed, accessibility, and a no-credit-score-impact application process as primary differentiators versus conventional lenders.
The business operates a direct-to-consumer model with a digital-first acquisition funnel built around an integrated JotForm online application portal that drives a three-step process (Apply Online, Get Approved, Receive Funds), supported by 1:1 consultancy services from named advisors. Marketing channels are consent-based, including website content, social media (Facebook, Instagram, Twitter), SMS/email outreach, and prominently displayed Google Reviews. The technology stack is not publicly disclosed beyond the third-party JotForm integration, and there is no indication of proprietary underwriting automation, AI/ML models, or APIs.
Bridge Capital generates revenue primarily through interest charges and transaction fees on the business loans, lines of credit, and cash advances it facilitates. Cumulative originations of $40M+ to 5,000+ businesses over the company's eight-year operating history suggest modest scale relative to institutional alternative lenders. The entity is privately held as an LLC with no disclosed institutional investors, parent company, or external funding rounds; ownership and equity structure represent material data gaps. No revenue figure, ARR, or unit economics are disclosed in publicly available materials.
Bridge Capital firmographics
Firmographics- Name
- Bridge Capital
- Legal name
- Bridge Capital Services, LLC
- Website
- https://bridgecapitalservices.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Bridge Capital Services is a Baltimore-based private SMB lender offering Term Loans, Lines of Credit, and Cash Advances through an online application portal, targeting US small businesses that struggle to access traditional bank financing since 2016.
- Ownership category
- akta.pro rank
Bridge Capital industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Bridge Capital is headquartered
LocationHeadquarters
- HQ city
- Brooklyn
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Bridge Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Business Lending and Financing: Bridge Capital generates revenue through interest charges and fees on business loans, lines of credit, and cash advances provided to SMBs. The company acts as a capital solutions provider offering flexible funding programs, matching businesses with in-house funding options. Revenue is derived from the spread between cost of capital and rates charged to borrowers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Term Loan for lump sum business funding with 9-18% APR |
| Usage-based | Pay-as-you-go | Line of Credit for flexible access to funds |
| Other | Pay-as-you-go | Cash Advance for fast flexible funding |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Bridge Capital product offering
Product offeringCore offering
Bridge Capital Services provides fast, flexible small business financing through three core products: Term Loans (9–18% APR, $150K+ revenue, 650+ FICO), Lines of Credit ($50K–$250K, 1% monthly, usage-based), and Cash Advances (9.99%/Prime rate, revenue-based). Applications are submitted online via a JotForm portal with approval decisions delivered within 24 hours and no credit score impact during application.
Product overview
Bridge Capital Services operates as a small business financing company offering three core funding products: Term Loans for affordable lump-sum business funding, Lines of Credit providing flexible revolving access to $50K-$250K, and Cash Advances delivering fast revenue-based funding. All three products are accessed through a single online application portal and are supported by 1:1 consultancy services, with decisions delivered within 24 hours and no credit score impact during the application process.
Differentiator
Problem solved
Functional benefit
Products and services
- Term Loan
Quantifiable outcome
- 5,000+ funded businesses
- +3 more outcomes
Companies that use Bridge Capital
Customer profileNamed customers6 records
Segments1 record
Ideal customer profiles1 record
Bridge Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Bridge Capital partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights4 records
Bridge Capital competitors and assessment
Company assessmentDirect peers
- Fundbox: Fundbox extends short-term working capital lines and invoice advances to small businesses via a digital application. Its use of automated SMB underwriting and short-duration credit products parallels Bridge Capital's cash advance and line of credit offerings.
- Biz2Credit: Biz2Credit matches SMB borrowers with term loans, lines of credit, and SBA loans through a marketplace and consultative advisors. Its broker-plus-product mix and subprime-friendly positioning are directly comparable to Bridge Capital.
- Rapid Finance: Rapid Finance provides revenue-based cash advances and small business funding to SMBs rejected by traditional lenders. Its product set and target borrower profile align closely with Bridge Capital's cash-advance and term-loan offerings.
- National Funding: National Funding offers working capital, merchant cash advances, and equipment financing to small businesses nationwide. Its multi-product SMB funding model and subprime-friendly underwriting are directly comparable to Bridge Capital's positioning.
- CAN Capital: CAN Capital is a direct SMB working-capital competitor offering a near-identical product mix — term loans and merchant cash advances to small businesses that cannot access traditional bank credit. Highly comparable in customer profile, underwriting tier, and product structure.
- OnDeck (Enova International): OnDeck (now part of Enova International) is a pioneer in online SMB term loans and lines of credit to small businesses. Its product set and target borrower overlap closely with Bridge Capital's term loan and line of credit offerings.
- Lendio: Lendio operates a small business lending marketplace connecting SMBs to multiple capital providers, including MCAs, term loans, and lines of credit. Its multi-product, multi-lender model and SMB target customer make it a relevant comparator.
- BlueVine: BlueVine provides SMB lines of credit, invoice factoring, and business checking to small businesses. Its line of credit and working-capital focus overlap directly with Bridge Capital's LOC and cash advance products.
Broad incumbents
- Funding Circle: Funding Circle operates a global SMB term-loan marketplace serving small businesses in the US, UK, and EU. While its model is more institutional and its underwriting tier somewhat higher, it competes for the same end customer with term-loan products.
- American Express Business Blueprint (Kabbage): American Express Business Blueprint (built on the acquired Kabbage platform) provides SMB working capital, lines of credit, and cash flow tools to small businesses. As part of a much larger incumbent (AmEx), it competes with Bridge Capital in SMB working capital but from a far broader portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Bridge Capital social profiles
Digital presenceBridge Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bridge Capital leadership team
Management profileNumber of profiles
Bridge Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bridge Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bridge Capital
What does Bridge Capital do?
Bridge Capital Services provides fast, flexible small business financing through three core products: Term Loans (9–18% APR, $150K+ revenue, 650+ FICO), Lines of Credit ($50K–$250K, 1% monthly, usage-based), and Cash Advances (9.99%/Prime rate, revenue-based). Applications are submitted online via a JotForm portal with approval decisions delivered within 24 hours and no credit score impact during application.
Is Bridge Capital a public or private company?
Bridge Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Bridge Capital founded?
Bridge Capital was founded in 2016. It employs 51 to 100 people.
Where is Bridge Capital based?
Bridge Capital is headquartered in Brooklyn, United States, in the North America region.
How does Bridge Capital make money?
One revenue line is on record: business Lending and Financing.
Who are Bridge Capital's main competitors?
Direct peers on record are Fundbox, Biz2Credit, Rapid Finance, National Funding, CAN Capital, OnDeck (Enova International), Lendio and BlueVine. Broad incumbents are Funding Circle and American Express Business Blueprint (Kabbage).
Does Bridge Capital have an API?
No public API is recorded for Bridge Capital.
What industry is Bridge Capital in?
Bridge Capital's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday). Its NAICS code is 522 and its SIC code is 6153.