Bridge Loans

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

a pile of driftwood sitting on top of a sandy beach

Craft3 offers bridge financing for nonprofits to help them get started on projects before a capital campaign is complete or grant funding has been received.


Financing that expands what’s possible for your organization and accelerates your timeline.


Tailored to meet the needs and timescale of your specific project.


You don’t need fully committed funding to apply.


  • 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. Learn more.

Get Started Iniciar

Rates & Terms

Loan Size
Up to $4,000,000
Fixed rates from 7.00% to 9.00%
Loan origination fee of 2% of loan total plus closing costs

Fees for non-profits are 1% plus closing costs
Closing Costs
$650 plus any third-party fees for appraisal, legal, etc
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.

Get Started Iniciar

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.


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.


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

a man and a woman sitting at a table with a laptop

What we look for in a loan application:

A strong business or idea

An entrepreneur with the skills and temperament to succeed

A financing request that makes sense given your business and your financial situation

Customer Stories

Supporting Black Farmers and Black Land Ownership

A bridge loan can make a big difference, enabling a nonprofit to get started on a project before a capital campaign is complete or grant funding has been received.

Looking for more information?

Business Resources

We support entrepreneurs of all stages of the business journey and offer resources to help you learn, grow, and better understand your financing options.

Pay it Forward

Our Lending Model

When you repay your loan, we use that money to make other loans. This allows us to serve more entrepreneurs. Over time, this makes a big difference for communities, local economies, and the environment.

Our Team

"I believe in the transformative impact we can have in our communities to make them more livable, resilient, equitable and just."

Reed Mayfield
Sr. Business Lender, VP