BridgeScale Advisors
Stage 3 · Door 03

Funding Access

With personal and business credit in place, capital stops being the bottleneck. We package your full profile and place it with our vetted network of lenders and brokers — five years and $12M+ placed, now purpose-built for contractors.

The five doors — they open in order
DOOR 01
Personal Credit
680+ FICO foundation
DOOR 02
Business Credit
Paydex 80 · trade lines
DOOR 03
Working Capital
SBA · lines · equipment
DOOR 04
Surety Bond
Underwriter-ready
DOOR 05
Contract-Ready
SAM.gov · past performance

Who this stage is for

  • Contractors who need working capital for mobilization, payroll, or materials between draws
  • Businesses pursuing SBA 7(a)/504, lines of credit, equipment financing, or invoice factoring
  • Owners who’ve been auto-declined and need their file presented for manual underwriting
  • Contractors building the liquidity position a surety underwriter wants to see

What we do

  • Funding packaging — financials, credit profile, and narrative assembled the way underwriters actually read them
  • Broker network placement — your file submitted to vetted lending partners who compete for it — we are a packaging and placement firm, not a lender
  • Product strategy — SBA loans, business lines of credit, equipment financing, and factoring matched to your contract pipeline
  • 0% intro structuring — where you qualify, we prioritize products with 12–18 month introductory rate windows
  • Bond-driven planning — funding targets set to strengthen your working-capital ratio for Stage 4 bonding
What happens

How this stage typically runs

Week 1

Package build

Financials and credit files assembled into a lender-ready submission.

Weeks 2–4

Placement

Submissions to matched lenders; manual underwriting where it helps.

Weeks 4–8

Approvals

Offers compared on rate, term, and covenant fit — you choose.

Ongoing

Capital strategy

Facilities structured to support bonding capacity, not just cash.

Timelines are typical ranges, not commitments. Results vary based on individual credit history and creditor responses.

Next
Stage 4 — Contract-Ready
→