Non-Traditional Financing

When your business doesn't fit a standard SBA box

Not every business qualifies for — or needs — a traditional SBA loan. Non-traditional financing covers bridge loans, asset-based lending, revolving credit, and other flexible structures for businesses that need capital fast or have a financial profile that doesn't fit the standard mold.

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$10,000 – $500,000

Financing range

Funding speed1–3 weeks

StructureFlexible / revolving

Starting rate9.25%*

Best forSpeed & flexibility

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Why consider non-traditional financing

Some businesses need capital faster than an SBA timeline allows, or have a credit profile, time in business, or use of funds that doesn't fit standard SBA guidelines. Non-traditional financing fills that gap.

This can include hard money and asset-based loans, revolving lines of credit, and other flexible structures — drawing on the same lending relationships used in commercial and hard money lending, not just SBA-backed programs.

What's included

Faster approval than standard SBA timelines
Options for asset-based and revolving structures
Flexible underwriting for non-standard situations
Matched with a lender suited to your specific case
Dedicated SmartBridge advisor throughout the process

Eligibility

Is non-traditional financing right for your business?

Speed matters

Good fit if you need capital faster than a standard SBA timeline allows.

Non-standard profile

Useful if your credit, time in business, or documentation doesn't fit a typical SBA box.

Use of funds

Payroll, inventory, bridge capital, or flexible funding for time-sensitive opportunities.

Ready to see what you qualify for?

Get a free, no-obligation consultation with a SmartBridge funding advisor.

Check Your Eligibility