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How It Works

At New Bridge Merchant Capital, we understand how tough it can be for small businesses to access financing. That’s why we’re here to help. We make it easy for you to find the right financing solution for your business.

Contact Us for a to See how New Bridge Can help your business grow, fast.

Contact Us for a to See how New Bridge Can help your business grow, fast.

How It Works

Many small business owners rely on borrowed capital to help run and grow their businesses. However, they often believe they don’t have good enough credit to get a loan. Depending upon the nature of the business need, a business’ credit profile, revenue, time in business, whether the business has adequate collateral, and other factors, there are more options available today than ever before. Each small business lender weighs each factor differently and we help you decide which lender’s options work best for your needs.

The local bank has been a small business’ traditional source for borrowed capital—and remains a viable option for those businesses that can meet their potentially strict criteria. However, there are additional choices, which could make sense for your business, once you understand the landscape of potential loan options, including interest rates, loan amounts, and term lengths.

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Term loans

Up to $2,500,000.00

Lines Of Credit

Up to $150,000.00


Up to $500,000.00


Many small business owners want to grow their company, but that can require significant cash investment. A small business loan allows you to invest in your business without tying up your cash. It can allow you to finance expansion to a new location, invest in marketing campaigns, hire additional staff, and more.

Buying Equipment

When equipment necessary to the operation of your business fails, a short-term small business loan can help get operations moving again without a long-term obligation.


There are times when ramping up a new project requires upfront costs that might exceed a business’s ability to cover with cash flow. In that case, the ability to get in and out of the financing quickly at a lower total dollar cost could make more sense than making payments on a longer-term loan for several years.

Bridging cash flow gaps

Many businesses sometimes borrow to meet short-lived cash flow demands during lulls that exist between their busy seasons. Doing so requires the business to ensure that it has sufficient cash flow during that slow period to make the larger periodic payments often associated with a short-term loan.

Feel free to contact us with any questions regarding your financing options.

Toll Free: 844-228-0593
Fax: 855-518-7430

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Quick solutions for big business impact

New Bridge Merchant Capital’s management team has over 20 years of experience in the financial industry. We cater to our client’s needs by tailoring programs based on industry type, business size, seasonality, and account liquidity. When it comes to our customers we communicate clearly so the process is transparent, seamless, and quick. Our funding Platform is focused on making sure that we are successful in obtaining the funding our clients need.
New Bridge Merchant Capital now has offices in
Manhattan NY, Shrewsbury NJ, and Delray Beach FL.

See Why our Customers Trust New Bridge For Merchant Cash Advances

Don’t take our word for it, here is what our customers are saying.

Above & Beyond

Matt went above & beyond to get Me the very best deal with the best terms A+ overall experience

-Erik Owner

Thank You

I had the pleasure of working with Mark in early February 2020. I was able to get the money I needed in a timely fashion. I have worked with other companies in the past and Newbridge was the first time I’ve felt completely taken care of, and like my interests were put first. Thank you Mark, I look forward to working with this company in the future.

– Chelsea Owner

Best Experience

I have worked with Mark at Newbridge on several occasions. And have had THE BEST experience each time. He is caring compassionate goes ABOVE his job. The funding I receive is SO MUCH better than anyone else regarding rates.

-Susan S. Owner

Frequently Asked Questions:

A term loan can provide your business with a lump sum of funds to finance capital expenditures, business expansion, or working capital needs. It typically has a fixed interest rate and a repayment period of 1-10 years, providing predictable monthly payments to manage cash flow. It can help build business credit and improve overall financial stability.

Cash advance/Term Loan application processing time varies, but it’s typically faster than traditional loan processing. Some lenders offer quick approvals, with funding available in as little as 24 hours.

Early repayment of a cash advance loan does not result in a penalty. Some lenders may offer discounts for early repayment or renewing with them before the full term expires. It’s important to review the loan agreement and understand all fees and terms before accepting the loan.

To start the process the typical documents include our application filled out and the last three months of your business banking statements (all pages). In order to close (fund your account) we will need a valid color copy of your driver’s license, a voided check from the account supplied to us and proof of ownership for the business.

Origination fee: This is a fee charged for processing and approving the loan application, which includes verifying a borrower’s information. This is fee is offset by the funding amount at completion of the loan.

Annual fees: (lines of credit): Some lenders charge an annual fee to keep your business line of credit open and active.

Application fee: Lenders sometimes charge a fee for processing your loan application. Put simply, you get charged just for applying. Luckily, these fees don’t seem to be the status quo for business lenders. We rarely see banks or online lenders charge application fees.

Missed payments: This one’s simple. If you miss making a payment on your business loan, your lender might charge you a fee. Most lenders charge a fixed late fee, but many charge a percentage of the missed payment as well. If they do not charge a percentage then they will require a “make up” payment to be made. The vast majority of business loans include late payment fees. If a specified amount of payments (usually 5) is missed, you may go into default status and be charged an additional fee. For more details on how this please reference the Appendix A of the agreement and make sure to read the agreement in full.

  1. Purpose of loan: Determine why you need the loan and what you will use it for.

  2. Loan amount: Determine the amount you need and make sure the loan amount fits your budget.

  3. Repayment terms: Consider the length of time you have to repay the loan and what your monthly payments will be.

  4. Interest rates: Compare interest rates and determine which one offers the most favorable terms.

  5. Terms and conditions: Read and fully understand the terms and conditions of the loan before accepting it.

Consult with a New Bridge Merchant Capital Advisor to help you make an informed decision.

Mon - Fri 9:00am - 5:OOpm

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