Where Growth Meets Capital
Where Growth Meets Capital
Short-Term Bridge Loans, Working Capital & Invoice Factoring | Stratas
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SHORT-TERM BRIDGE • WORKING CAPITAL • INVOICE FACTORING
Short-term funding hero

Fast decisions with bridge financing for real estate, working capital up to $50M+, and invoice factoring to unlock cash flow.

Capacity up to $50M+Deal-dependent across multiple capital types.
Terms up to 10 yearsAvailable on qualified working-capital structures.
Prime rate benchmarkUse Prime for market context when applicable.
Call Apply Now
Bridge loan
BRIDGE LOAN REAL ESTATE

Bridge financing built to close

Time-sensitive capital for purchases, refinances, and transitional real estate opportunities.

Move fastDesigned for tight timelines and execution.
Deal-drivenBuilt around collateral, timeline, and exit strategy.
Fast decisionsClear inputs reduce friction and delays.
Apply for a Bridge Loan Call to Discuss
Working capital
WORKING CAPITAL UP TO $50M+

Growth capital for real operations

Inventory, payroll, marketing, hiring, equipment, expansion, consolidation—structured to match the business reality.

Terms up to 10 yearsAvailable on qualified term structures.
Scales with cash flowCapacity depends on profile and use of funds.
Prime benchmarkUse Prime for market context when applicable.
Apply for Working Capital View Prime Rate
Invoice factoring
INVOICE FACTORING UNLOCK A/R

Turn receivables into usable cash

Speed up cash flow by leveraging invoices—best fit is typically documented B2B receivables and reliable payers.

Stabilize cash flowReduce gaps between delivery and payment.
Keep momentumFuel payroll, materials, and growth while you bill.
Invoice-driven sizingCapacity aligns to receivable quality and volume.
Apply for Factoring Email A/R Overview

Helpful links

Apply Now

Route to the right option using the application flow.

Open Application
Current Prime Rate (FRED)

Reference benchmark for market context on many credit products.

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Quick outreach for questions and next steps.

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Ready to move?

Tap below to call, apply, email, or message us. Quick decisions and deal-focused execution.

Call (725) 257-5354 Apply Now Email Message on X Current Prime Rate
Disclaimer
Stratas is not a direct lender. Financing is arranged through third-party lenders and is subject to underwriting, approval, and final credit terms. Rates, terms, and availability vary by transaction and borrower profile.

Application Checklist

Tip: Clean, complete statements + ownership info = faster decisions.

Short-Term Bridge Loans, Working Capital & Invoice Factoring | Stratas

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Stratas logo
SHORT-TERM BRIDGE • WORKING CAPITAL • INVOICE FACTORING
Short-term funding hero

Flexible capital built for speed and execution—bridge financing for real estate, working capital up to $50M+, and invoice factoring to unlock cash tied up in receivables.

Capacity up to $50M+ Deal-dependent across multiple capital types.
Terms up to 10 years Available on qualified working-capital term structures.
Prime as a benchmark Use Prime for market context when applicable.
Call (725) 257-5354 Apply Now Email Message on X Current Prime Rate
Call: 725-257-5354 Email: [email protected] X: x.com/StratasLLC

Choose your option

Pick what matches your need—bridge, working capital, or factoring—then apply using the flow below this page.

Bridge Loan Working Capital Invoice Factoring Helpful Links
Bridge loan real estate
BRIDGE LOAN SHORT-TERM REAL ESTATE SPEED + EXECUTION

Bridge financing built to close

When timing matters, bridge capital can support purchases, refinance events, or time-boxed opportunities while you stabilize, reposition, or line up long-term financing.

Time-sensitive closingsDesigned for transactions where speed matters.
Flexible use casesPurchase, refinance, stabilization, or transitional events.
Deal-driven structureBuilt around collateral, timeline, and exit strategy.
Fast decisionsClear inputs and packaging to reduce friction.
Apply for a Bridge Loan Talk to a Specialist
WORKING CAPITAL CAPACITY: $50M+ (DEAL-DEPENDENT) TERMS UP TO 10 YEARS

Growth capital for real operations

Working capital is for businesses that need room to move—inventory, payroll, expansion, hiring, marketing, equipment, seasonal swings, consolidation, or large PO needs.

Term structures availableQualified deals can go up to 10 years.
Scales with the businessCapacity depends on cash flow, profile, and use.
Common use casesInventory, payroll, hiring, marketing, equipment, and expansion.
Market contextPrime rate link included as a benchmark reference.
Apply for Working Capital View Prime Rate
Working capital
Invoice factoring
INVOICE FACTORING UNLOCK A/R CASH FLOW B2B-FRIENDLY

Turn receivables into usable cash

If cash is tied up in invoices, factoring can accelerate working cash without waiting on customer payment cycles. Best fit is typically B2B receivables with clear documentation and reliable payers.

Stabilize cash flowBridge gaps between delivery and payment.
Keep momentumFuel payroll, materials, and growth while you bill.
Invoice-driven sizingCapacity aligns to receivable quality and volume.
Fast decisionsClear A/R documentation helps move quickly.
Apply for Factoring Send Your A/R Overview
Contact
Disclaimer
Stratas is not a direct lender. Financing is arranged through third-party lenders and is subject to underwriting, approval, and final credit terms. Rates, terms, and availability vary by transaction and borrower profile.

What You’ll Need To Apply

Below are the documents and details we almost always require, plus items that may be requested depending on product, amount, and underwriting review.

Required for all applications

required

Basic Business Information

Legal name and DBA, EIN, business address, ownership percentages, entity type, industry, and contact details.

required

Signer Identification

Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.

required

Business Bank Statements

Last 3–6 months of statements to confirm deposits, cash flow, and account health.

required

Funding Account Details

Voided check or bank letter with routing and account number for funding and remittances.

required

Corporate & Ownership Documents

Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.

Product-specific items (requested based on product and amount)

product specific

Business & Personal Tax Returns

Common for term loans and SBA requests, or for larger limits and longer terms.

product specific

Financial Statements

YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.

product specific

Program Packets

Examples: A/R aging and invoices/POs for factoring; purchase contracts, appraisals, or environmental for real estate/equipment; franchise addenda for SBA.

product specific

Existing Debt Details

Statements or payoff letters for current loans or advances if consolidating or refinancing.

product specific

Collateral & Insurance Evidence

UCC search, equipment lists, COI, or landlord contact; required when collateral or assignments apply.

Tip: Submitting clean, consistent statements and complete ownership information shortens review time across all products.

Business Funding Application

Access $50M+ in Business Funding

One streamlined application connects you to term loans, SBA options, lines of credit, and specialty structures—built around how your business actually operates.

Call (725) 257-5354 Book a discovery call
Start application

Fill out the form to access $50M+

Business Acquisition - Working Capital - Expansion - Commercial Real Estate

What we commonly fund
  • Working capital & cash flow smoothing
  • Equipment purchase or upgrade
  • Commercial real estate
  • Business acquisitions & partner buyouts
  • Invoice factoring & net-terms receivables
  • Merchant cash advances / MCA payoff strategies
Access $50M+
Business funding capacity
Up to 25 years
Term loans ($50M+)
Commercial real estate
Owner-occupied or investment

Learn more about how Stratas structures and places funding with debt & equity partners.

How are you applying today?

This lets us ask only the questions that matter for your situation.

Business funding details

These numbers help us match you to the right structure. Please use your best estimates.

Personal funding details

We’ll keep this focused on the essentials. Please use your best estimates.

Recommended options

Based on what you shared, here are the top structures that could fit.

We’ve highlighted the best overall fit, but you can click any card to choose the structure you prefer. The card you select will be marked as Selected.

Please select a product to continue.

Business and signer details

This is the information lenders expect on a full application. Everything here is required except the website.

Business information
Signer / primary owner details

We’ll use the name, email, and phone you provided on page one for the signer. Please complete the rest below.

Personal details

This ties your application to a single signer using the contact information you provided on page one.

Identity verification

Please complete identity verification before uploading bank statements. This helps us verify the signer for underwriting.

Upload bank statements

Upload your most recent bank statements so we can validate cash flow and match you accurately.

Additional documents

Before the next screen: you may receive emails with secure links for any additional document forms we need. If you’d rather upload now, use the buttons below.

Application summary

Here’s a clean summary of what you submitted. You can download a PDF for your records and then book a discovery call to review options live.

For discussion purposes only. All approvals are subject to full underwriting. Stratas is not a direct lender.

Book a discovery call
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