Drawbridge Capital
Drawbridge Capital is a Chicago-based private commercial finance firm founded in 2020 that originates commercial real estate, SBA, bridge, fix-and-flip, equipment, franchise, healthcare, and working-capital loans for SMBs, franchisees, and real estate investors across the U.S. and Europe.
- Company typePrivate
- Founded2020
- HeadquartersChicago, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Drawbridge Capital does
Drawbridge Capital is a privately held, Chicago-based commercial finance firm founded in 2020 that originates a broad menu of loans and credit products primarily to small and mid-sized businesses and real estate investors. The company's core operations center on commercial real estate financing (conventional, SBA 7a/504, FHA/HUD, CMBS, bridge, and mezzanine) in deal sizes ranging from $75,000 fix-and-flip loans up to $100 million+ CRE facilities, with a stated international capability of structured debt up to $1 billion for European and Eurasian properties. Beyond CRE, it offers specialized verticals including franchise financing (rates as low as 6%, terms up to 25 years), healthcare practice financing, equipment financing and leasing, accounts receivable financing, merchant cash advances, purchase order financing, and unsecured business lines of credit. Borrower profiles span startups to established businesses, with stated-income products designed to accommodate borrowers who do not qualify under traditional bank underwriting.
The firm employs between 1 and 10 people and operates without proprietary technology — its loan processing, underwriting, and customer engagement are described as expert-assisted rather than model-driven. Go-to-market is a hybrid direct-to-consumer motion (website, toll-free phone 1-888-643-8634, free pre-qualification) combined with a referral and broker channel that compensates external partners on commission. Revenue mechanics consist of origination fees (typically 1–2% depending on product), processing fees, and ongoing interest income on retained loan balances, with interest rates ranging from approximately 6% on franchise loans to 14% on higher-risk bridge/hard money facilities. Drawbridge is privately held with no disclosed funding rounds, no parent company, no public listing, and no awards, patents, or M&A activity in the record.
Drawbridge Capital firmographics
Firmographics- Name
- Drawbridge Capital
- Legal name
- Drawbridge Capital
- Website
- https://drawbridgecap.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Drawbridge Capital is a Chicago-based private commercial finance firm founded in 2020 that originates commercial real estate, SBA, bridge, fix-and-flip, equipment, franchise, healthcare, and working-capital loans for SMBs, franchisees, and real estate investors across the U.S. and Europe.
- Ownership category
- akta.pro rank
Drawbridge Capital industry classification
Industry- Product category
- Commercial Real Estate and Business Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Commercial Mortgage Brokerage (FSAEAEAB)
- akta.pro secondary industries
- Real Estate Capital Markets Brokerage (Debt & Equity Placement) (FSAEAJAK), Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG), Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where Drawbridge Capital is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Drawbridge Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others, Technology or R&D, Infrastructure
Revenue model
- Interest Income on Loans: DrawBridge Capital generates revenue primarily through interest charged on various commercial real estate and business loans, including conventional loans, SBA loans, bridge loans, hard money loans, and mezzanine financing. Interest rates vary by product type, ranging from approximately 6% to 14% depending on the loan product and risk profile.
- Origination Fees: The company charges origination fees on loan products. For fix and flip loans, origination fees are as low as 2%. Bridge and hard money loans charge origination points as low as 1% (deal dependent).
- Loan Processing Fees: Fees associated with processing various loan applications including accounts receivable financing, equipment financing, and other business financing products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Fix and Flip Loans: $75,000 to $10 million, 8.5% starting interest rate |
| Other | Pay-as-you-go | Fix and Flip Lines of Credit: $500,000 to $5 million, 7.49% starting rate |
| Other | Multi-year contract | Franchise Financing: Rates as low as 6%, up to 90% LTV, up to 25 years |
| Subscription | Monthly | Unsecured Business Lines of Credit: $25,000 to $500,000 |
| Other | Multi-year contract | Commercial Real Estate Financing: $100,000 to $100,000,000 or more |
| Other | Monthly | Equipment Financing: $500,000+ for larger items, up to 84 months repayment |
| Other | Pay-as-you-go | Bridge and Hard Money Loans: $1 million to $100 million+, 8% starting rate |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Drawbridge Capital product offering
Product offeringCore offering
Drawbridge Capital is a Chicago-based non-bank commercial finance company that originates and funds a diversified portfolio of commercial real estate and business loans, ranging from $25,000 working-capital lines up to $100 million+ bridge loans and $1 billion international property financings. Its core offerings include conventional and SBA 7a/504 CRE loans, FHA/HUD and CMBS loans, stated-income commercial real estate loans, fix and flip loans and lines of credit, bridge and hard money loans, multifamily and construction financing, accounts receivable financing, equipment financing and leasing, franchise financing, healthcare financing, merchant cash advances, purchase order financing, and unsecured business lines of credit. The company earns revenue primarily through interest income on loans (rates ranging roughly 6% to 14%), origination fees, and loan processing fees, and distributes its products through its website, inbound phone sales, and a referral/broker program.
Product overview
Drawbridge Capital offers a diversified portfolio of commercial real estate and business financing solutions. The core offering centers on commercial real estate financing (including conventional programs, SBA 7a/504 loans, FHA/HUD loans, CMBS loans, and international transactions), supplemented by specialized loan products including fix and flip financing, accounts receivable/invoice factoring, equipment financing/leasing, franchise financing, healthcare financing, merchant cash advances, purchase order financing, and unsecured business lines of credit. The company serves property investors, business owners, and entrepreneurs across Chicago and beyond, offering loan amounts ranging from $75,000 to over $100 million with various term lengths, interest rates, and approval requirements to accommodate different borrower profiles.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Real Estate Financing
Quantifiable outcome
- Fast closings within 10 to 17 days for fix and flip loans
- +4 more outcomes
Companies that use Drawbridge Capital
Customer profileSegments6 records
Ideal customer profiles3 records
Drawbridge Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Drawbridge Capital partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Drawbridge Capital competitors and assessment
Company assessmentDirect peers
- Lima One Capital: Direct competitor in fix-and-flip, single-family rental, and bridge loans for real estate investors, with very similar product sizing, LTVs, and speed-to-close positioning.
- CoreVest Finance: Direct competitor focused on single-family rental and bridge financing for real estate investors, with comparable LTV structures and speed-of-execution messaging.
- Kiavi: Direct competitor offering fix-and-flip and rental portfolio loans for real estate investors using a tech-enabled, fast-close underwriting model targeting the same bankable-but-underserved borrower segment.
- LendingOne: Direct competitor providing bridge, rehab, and rental property loans to real estate investors, with very similar loan-size ranges and short-term, interest-only structures.
- Greenbox Capital: Direct competitor in merchant cash advance and SMB working capital, targeting similar sub-bankable small business borrowers with fast, paperwork-light approvals.
- New Silver: Direct competitor in fix-and-flip and rental property financing for real estate investors, operating a similar tech-enabled origination platform and short-term loan products.
Broad incumbents
- OnDeck: Established online SMB lender offering working capital loans and lines of credit, overlapping with Drawbridge's unsecured LOC and MCA products but with national scale and proprietary underwriting.
- Funding Circle: Established online SMB lending platform competing across small business term loans and lines of credit, with broader national reach and deeper capital than Drawbridge.
- A10 Capital: Established commercial real estate bridge lender with broader balance-sheet capacity, competing with Drawbridge's bridge and CRE loan products while serving a more institutional sponsor base.
Emerging players
- Become (formerly BJ Lending): Emerging CRE financing platform offering bridge, fix-and-flip, and rental loans with a digital-first origination experience, increasingly overlapping with Drawbridge's CRE product suite.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Drawbridge Capital social profiles
Digital presenceDrawbridge Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Drawbridge Capital leadership team
Management profileNumber of profiles
Drawbridge Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Drawbridge 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 Drawbridge Capital
What does Drawbridge Capital do?
Drawbridge Capital is a Chicago-based non-bank commercial finance company that originates and funds a diversified portfolio of commercial real estate and business loans, ranging from $25,000 working-capital lines up to $100 million+ bridge loans and $1 billion international property financings. Its core offerings include conventional and SBA 7a/504 CRE loans, FHA/HUD and CMBS loans, stated-income commercial real estate loans, fix and flip loans and lines of credit, bridge and hard money loans, multifamily and construction financing, accounts receivable financing, equipment financing and leasing, franchise financing, healthcare financing, merchant cash advances, purchase order financing, and unsecured business lines of credit. The company earns revenue primarily through interest income on loans (rates ranging roughly 6% to 14%), origination fees, and loan processing fees, and distributes its products through its website, inbound phone sales, and a referral/broker program.
Is Drawbridge Capital a public or private company?
Drawbridge Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Drawbridge Capital founded?
Drawbridge Capital was founded in 2020. It employs 1 to 10 people.
Where is Drawbridge Capital based?
Drawbridge Capital is headquartered in Chicago, United States, in the North America region.
How does Drawbridge Capital make money?
Three revenue lines are on record. Interest Income on Loans are the primary driver. The others are origination Fees and loan Processing Fees.
Who are Drawbridge Capital's main competitors?
Direct peers on record are Lima One Capital, CoreVest Finance, Kiavi, LendingOne, Greenbox Capital and New Silver. Broad incumbents are OnDeck, Funding Circle and A10 Capital. Become (formerly BJ Lending) is listed as an emerging player.
Does Drawbridge Capital have an API?
No public API is recorded for Drawbridge Capital.
What industry is Drawbridge Capital in?
Drawbridge Capital's product category is Commercial Real Estate and Business Lending. Its primary akta.pro industry code is FSAEAEAB, Commercial Mortgage Brokerage, with a secondary code of FSAEAJAK, Real Estate Capital Markets Brokerage (Debt & Equity Placement). Its NAICS code is 52231 and its SIC code is 6162.