Bridge the gap between today and the next event.
Short-to-medium term structured finance for promoters and promoter groups: bridging ahead of a larger facility or an equity round, funding a special situation, or raising capital against personal or group assets without diluting equity.
A bridge is a bridge — only if there is a clear other side
Promoter and bridge funding exists to cover a defined gap: ahead of a term loan drawdown, ahead of an equity infusion, or to seize a time-sensitive opportunity that a standard facility cannot fund quickly enough. Lenders in this space price for both the opportunity and the risk that the "other side" of the bridge does not materialise on schedule.
Repayment is often structured as a bullet or step-up rather than standard EMIs, aligned to the event that will retire the facility — a refinance, an asset sale, an equity closing. That structuring is the core value of this product, and it is also where the greatest care is needed: an exit event that slips leaves an expensive facility running longer than planned.
Security is typically personal or group assets — property, shares, other collateral — rather than the operating business itself, which is what allows speed. Personal guarantees from promoters are standard on this product.
Indicative pricing in 2026
Pricing reflects the bridge nature of the facility: shorter tenure, higher rate than standard term debt, priced for speed and flexibility.
Bank-linked NBFCs
Specialist NBFCs
Using bridge finance without regretting it
The exit event needs its own certainty, not just a plan
A bridge priced on the assumption of a term loan takeout or equity closing that later slips leaves you servicing an expensive facility well past its intended life. Where possible, have the takeout facility in-principle sanctioned before drawing the bridge, not merely planned.
Structure the exit mechanism at sanction
What happens if the exit event is delayed by three months, six months, a year? Negotiate extension terms and any step-up in pricing at the outset, not when you are already in the delay.
Personal guarantees carry real weight here
Because this product often runs on personal or group collateral, a default has consequences beyond the operating business. Size the bridge conservatively relative to the exit event's realistic timeline, not its best case.
Documents required
Incomplete files cause most multi-week delays. We assemble the full set upfront, in the order credit teams read it.
KYC & constitution
- PAN & Aadhaar of all promoters / partners / directors
- Certificate of incorporation, MOA-AOA or partnership deed
- Board resolution or partners' authority letter
- GST registration & trade licence
Financials
- 3 years ITR with computation of income
- Audited balance sheet, P&L and schedules
- 12 months' bank statements of all operating accounts
- GST returns for the last 12 months
- Existing loan sanction letters & repayment track record
Bridge-specific
- Evidence of the exit event — term sheet, in-principle sanction, sale agreement, or equity commitment letter
- Details and valuation of security being offered
- Group structure and existing debt schedule, where applicable
Related facilities & deep-dive guides
Every facility below is placed through the same 80+ lender panel. The long-form guides carry the working numbers, worked examples and lender-by-lender detail.
Frequently Asked Questions
The questions our advisory desk is asked most often about Promoter & Bridge Funding.
Anything that reliably produces the cash to retire the facility on schedule: a confirmed term loan takeout, a committed equity round, an agreed asset sale, or a settlement receivable.
Lenders want documentary evidence of the exit — a term sheet, sanction letter or signed agreement — not just the promoter's stated intention.
Almost always secured, typically against property, shares or other group assets, with personal guarantees from the promoters. The speed and flexibility of this product depend on lenders having tangible recourse.
Purely unsecured bridge facilities exist but are priced considerably higher and available only to the strongest promoter profiles.
Most bridge facilities include extension provisions, usually with a step-up in pricing, agreed at sanction. Negotiating these terms before you draw the facility is far easier than negotiating them mid-delay.
If no extension terms exist and the exit slips significantly, refinancing the bridge itself becomes the fallback — a more expensive and less certain position.
Considerably faster than standard term debt, often two to four weeks, because the appraisal centres on the security and the exit event rather than a full project or balance-sheet analysis.
Speed is precisely why this product is priced at a premium to standard secured lending.
Yes, that is one of its principal uses. Promoters facing a genuine funding gap sometimes prefer a priced bridge over accepting dilutive equity at a difficult moment, provided a credible debt exit exists.
Whether that trade-off makes sense depends on your cost of debt against the dilution you would otherwise accept — worth modelling both before deciding.
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