Working Capital/Bridge Loans

IBS, N.A. understands how frustrating it can be when business owners see opportunities but cannot act due to the unavailability of financing. Unfortunately, thousands of small business loan applications are rejected by depository banks every day. IBS, N.A. propels growing businesses with reliable capital when its needed most. 


Program Overview

  • Transactions range from $150,000 up to $2,000,000.
  • Terms up to 36months.
  • Interest is tax deductible - resulting in lower effective financing costs.
  • Weekly or monthly repayment options - we don’t interrupt credit card processing or require lockboxes.
  • Tax Returns are not required for financing request below $500,000
  • Pre-Approval offers within 24 hours of complete submission.

Additional Parameters

  • Brick and mortar businesses are preferred
  • 12 months in business, with at least $50,000 in monthly sales.
  • Minimum credit score of 630
  • No open BKs, BK must be dismissed/ discharged for at least 1 year.
  • Tax liens must have a payment plan arrangement with the IRS.


Learn how IBS, N.A. drives over 3,500 small and middle market sized companies through its nation-leading corporate finance programs via the buttons below and reach out to a Relationship Manager for more information:


Expansion Term Loan

Asset Based Lending

Letter of Credit

IBS Client Financing Program

IBS Corporate Finance Brochure
Learn why thousands of small to medium-sized business choose IBS, N.A. as their sole capital provider.
IBS Corp Finance Brochure 5-2019.pdf
Adobe Acrobat document [904.7 KB]

Contact Us

Institutional Banking Services, N.A. CORP


Fort Lauderdale Office

Mailing and Appointments

401 E Las Olas Blvd

Suite 1400

Fort Lauderdale, FL 33301


West Palm Beach Office 

The Wagg Building 

215 South Olive Ave

Suite 201

W.Palm Beach, FL 33401



Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

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