Bridge Loans for Nonprofits
Running a nonprofit can be challenging — and funding delays shouldn’t get in the way. Our bridge loans give you fast, flexible access to capital when cash flow gets tight.
Access your funds now by connecting with our team
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What Is a Bridge Loan for Nonprofits?
Nonprofits often face a common challenge: funding is approved, but the cash hasn’t arrived yet. Whether you’re waiting on a government grant, pledged donation, or delayed disbursement, these gaps can put essential programs at risk.
A bridge loan provides short-term capital to help you cover immediate costs while waiting for secured funds. It’s not about borrowing without a plan, it’s about timing. Our bridge funding helps nonprofits keep things running smoothly without compromising on service delivery, staff payroll, or critical project deadlines.
What You Can Use Bridge Loans For
B Generous bridge loans are flexible and purpose-driven. Use funds for:
- Covering payroll and operating expenses
- Launching or continuing vital programs
- Paying vendors, consultants, or contractors
- Managing overhead while awaiting grants
- Preparing for fundraising events or seasonal campaigns
- Bridging cash flow gaps tied to delayed reimbursements or donations
How Our Bridge Funding Works
We know how frustrating it is when your funding is approved but still weeks or months away. You’ve got a team to pay, programs to run, and deadlines that don’t wait. That’s why our bridge funding process is designed to be clear, quick, and built around how nonprofits actually operate.
Step 1: Apply Online
Start with a short application. Tell us about your nonprofit, the funding gap you’re facing, and when your incoming funds are expected.
Step 2: We Review & Match
Our team evaluates your needs and connects you with the best-fit solution from our lending partners.
Step 3: Quick Approval & Disbursement
If approved, funds are typically available within a few business days, so you can address urgent needs without delay.
Step 4: Repayment When Funds Arrive
You repay the loan once your pledged funds or reimbursements come through. No surprises, no hidden fees.
Why Choose B Generous for Bridge Loans?
Traditional financing doesn’t fit the nonprofit model. At B Generous, we know your funding cycles are unique, and so are your challenges. Our platform connects you to lenders who understand timing gaps and offer flexible, unsecured funding that works with your schedule. We’ve helped move millions into the hands of changemakers. Will you be next?
Nonprofit-First Lending
We understand that delays in funding are common in the nonprofit world. Our solutions are designed with that reality in mind.
Fast, Straightforward Process
Time matters. That’s why we’ve streamlined the process so you can apply in minutes and access funds quickly.
Competitive Terms
We work with a diverse network of bank and nonbank lenders to offer terms that work for mission-driven organizations.
Trusted Marketplace
We’ve built the nation’s largest credit marketplace exclusively for nonprofits, helping you secure fast, flexible and affordable financing — so you can focus on what matters most: impact.
Who We Work With
Our bridge loans support a wide range of 501(c)(3) organizations, including:
- Human services nonprofits
- Schools and education foundations
- Faith-based organizations
- Environmental and advocacy groups
- Arts and cultural institutions
- Health and wellness nonprofits
If your organization is anticipating confirmed funds but needs support in the meantime, we’re ready to help.
Frequently Asked Questions
A bridge loan is short-term financing that helps cover immediate funding needs while you wait for expected funds—such as grants, donations, or permanent financing—to arrive. It “bridges the gap” so your work doesn’t stall due to timing issues.
Typical uses include:
- Waiting on reimbursement grants or government contracts
- Covering expenses while a capital campaign wraps up
- Financing costs before long-term funding is secured
- Managing timing gaps between pledges and cash-in-hand
Key factors include:
- Annual revenue and expenses
- Cash flow consistency
- Diversity of funding sources
- History of grants/donations
- Debt service coverage ratio (ability to repay)
- Organizational stability and leadership
- The details of the future expected funds to repay the loan
It depends on your organization’s size, revenue, and financial strength. Loans typically range from $100,000 to $5 million, but we can lend larger amounts in certain circumstances. We will assess your project, and your financials and recommend an appropriate amount.
Most lenders ask for:
- IRS Form 990
- Recent audited or internal financial statements
- Operating budget
- Board resolution authorizing borrowing
- Cash flow forecasts or projections
- Schedule and details of existing debt and liens
- Possibly grant award letters or donation history
- A detailed analysis of the source of funds for repayment
Rates vary by lender, but B Generous works with the largest number of mission aligned lenders in the nation so rates are competitive and terms are nonprofit friendly.
This depends on the complexity and size of the loan request. However, most credit decisions are issued within 2 weeks of receipt of all documents, with funding for approved loans available within days after that.
Most bridge loans are short-term—between 6 months and 2 years—to bridge the gap before you secure permanent financing.
Connect with our team to access your funds now
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