Need flexible funds to keep your project on track?

You’ve Done the Work. Let Us Bridge the Gap.

Short-term financing to bridge a funding gap or take advantage of a timely opportunity.

If you need short-term capital to help cover expenses or complete projects while awaiting longer-term funding such as grants, reimbursements, or contract payments, bridge financing may help. Craft3 offers experience, creativity, and partnership.

who we work with

Nonprofits & Businesses in Oregon & Washington

Businesses and nonprofits who have a transformative opportunity but need short-term financing
Nonprofits looking to bridge grant funding, government reimbursements, or a capital campaign
Businesses looking to bridge inventory costs, reimbursements, or other payments

Our Loans Can Help You

Act on opportunities
Begin a project sooner
Take on new contracts and grow

Features

Flexible capital to bridge a financing gap
Borrow up to $4,000,000 or more
Specialized terms to match your needs
Terms up to 24 months to match your funding gap
High loan-to-value financing available
Special rates may be available for conservation bridge financing.

* Businesses owned by entrepreneurs of color may qualify for lower rates and special terms

Rates & Terms

Loan Size

Up to $4,000,000

Rates

Fixed rates from 7.00% to 9.00%*

Fees

Loan origination fee of 2% of loan total plus closing costs

Fees for nonprofits are 1% plus closing costs

Closing Costs

$650 plus any third-party fees for appraisal, legal, etc

Term

Typically up to 24 months to match your funding gap

Repayment Terms

Normal principal and interest payments each month

Interest-only payments may be available for the term of the loan, depending on the timing of the bridge funding

Financing with Craft3

Craft3 supports entrepreneurs at every step of the loan application process. Note that obtaining a business loan is a more involved and lengthier process than taking out a home mortgage.

Loans up to $250,000 can be funded as fast as 30 days. Larger loans typically take longer.

Contact

When you’re ready to apply, complete this online form to help us learn about you and your business. If it looks like a potential fit, a Craft3 lender will reach out to talk with you about your business plan, uses of funds and collateral.

Apply

A Craft3 lender will invite you to apply and help you complete your loan application package. We will review your application and give your request the careful attention it deserves.

NOTE: Review usually takes 1-2 weeks, although it can be shorter or longer depending on the size and complexity of the request.

Decide

Securely sign your electronic loan documents. By request, document signing is also available by mail.

Flexible Underwriting

We consider your whole story, not just your credit score.

Local Support

Work with a real person who understands your community.

Business Guidance

We connect you with tools and resources, not just a loan.

Mission-Driven

Every loan helps grow a more inclusive economy.

Customer Testimonial

“It’s been fantastic working with Craft3. We were having a difficult time due to the delayed funding. I didn’t even think about a bridge loan until the Oregon Community Foundation recommended Craft3. Then everything was straightforward and easy. Getting that loan saved us.”

Allison F.

Painted Sky Center for the Arts

Ready to take the next step?

Get Started Today

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Real People. Real Impact.

See how Craft3 financing is helping business owners, homeowners, and communities thrive across Oregon and Washington. Be inspired—your story could be next.

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Get Loan Ready with Confidence

Check out our free guide to prepare your business for financing—no guesswork, just practical steps. Whether you're just starting out or ready to grow, this resource will set you up for success.