Bridge & Transition Capital
Fast, decisive, short-term liquidity. We bridge the cash flow gap so you can execute on transformational opportunities without waiting on traditional bank timelines.
Moving at the Speed of Your Business
In business, timing is everything. Traditional Canadian banks can take 6 to 8 weeks to underwrite a simple line of credit increase. But what happens when you win a massive contract that mobilizes next week, or you need to close an acquisition before your long-term senior debt is fully funded? AJS Capital provides customized Bridge Loans. We prioritize speed, execution, and certainty of funding. We underwrite the strength of the specific transaction and your clear exit strategy, injecting the short-term liquidity you need to capture the opportunity today.
How Operators Use Bridge Capital
Contract Mobilization & Execution
The Scenario: A commercial contractor wins a massive municipal project. They need to float $300,000 in payroll, equipment rentals, and materials for 90 days before the city pays the first major invoice.
The Solution: We provide a 90-day bridge facility to fund the upfront execution. You deliver the project flawlessly, and the bridge is retired directly from the first municipal payment.
M&A Transactional Bridging
The Scenario: You are acquiring a competitor at a steep discount, but the seller demands a 14-day close. Your primary bank needs 45 days to process the long-term acquisition loan.
The Solution: AJS Capital steps in with short-term transition capital to close the deal on time. Our facility is then paid out ("taken out") by your senior bank once their long-term funding clears.
Inventory & Supply Chain Bridging
The Scenario: A supplier offers you a massive, one-time bulk discount on essential inventory, but it requires immediate cash payment that exceeds your current operating line.
The Solution: We bridge the purchase. You secure the inventory at a deep discount, process the goods, and repay the facility as the inventory turns over into accounts receivable.
Flexible, Short-Term Facilities Engineered for Speed
Bridge capital is not meant to be permanent; it is a strategic tool to get you from Point A to Point B. Our facilities are structured entirely around your timeline and your specific repayment source.
Rapid Underwriting: Because we focus on the specific transaction and the "take-out" strategy (how the loan will be repaid), we can underwrite and fund deals in a fraction of the time of a traditional bank.
Customized Terms: Bridge facilities typically run from 3 to 12 months. We align our terms with your reality, whether that means a bullet payment upon contract completion or amortizing payments as inventory sells.
Clear Exit Strategy: Every bridge loan is structured with a defined exit. We work with you upfront to identify exactly how the facility will be retired (e.g., an incoming SR&ED cheque, a senior debt refinance, or a massive invoice payout) so your long-term balance sheet remains healthy.
Watch: How Bridge Capital Funds Your Largest Contracts
Who We Partner With
Target Facility Size: $100,000 to $500,000
Company Profile: Established Western Canadian operators in B2B, Trades, Manufacturing, and Wholesale/Distribution.
Financial Health: $1M to $10M in annual revenue with a strong track record of operational execution.
The "Take-Out": A highly visible, verifiable source of repayment (e.g., a signed contract from a creditworthy buyer, an approved tax credit, or a committed senior bank term sheet).
Need short-term capital to execute this week?
Discuss your timeline and transaction directly with our Deal Desk. All inquiries are strictly confidential.