Bridge and short-term funding for the gap before a payment lands

Best for

• Owners facing a specific, temporary cash gap before a payment they reasonably expect to receive, such as an invoice or contract payment.
• Businesses with a clear plan for how the capital will be used and how scheduled payments will fit alongside operating expenses.
• Owners who have reviewed the timing and uncertainty of the incoming payment and can explain what they will do if it arrives late.
• Contractors, shops, restaurants, and other operators who need to bridge a timing mismatch between an expense and expected cash coming in.

Not ideal when

• The expected payment is uncertain, disputed, or may arrive after the funding obligation begins or ends.
• The business needs ongoing capital for a recurring shortfall rather than a temporary gap with a clear end point.
• Scheduled payments would leave too little room for payroll, suppliers, rent, taxes, or other operating needs.
• The owner has not compared the net deposit, total payback, payment schedule, and exit terms or does not understand an important agreement clause.

What it does well

• Can address a timing gap when business expenses come due before expected revenue arrives.
• A defined use and expected incoming payment can help an owner assess whether short-duration capital fits the situation.
• Goldhour presents offer details side by side in plain English before an owner signs.
• One application, one company calls you, and Goldhour says it does not sell or share your information. The same named specialist stays with you before and after funding.

Trade-offs to weigh

• The total amount repaid may be greater than the net cash deposited, particularly when fees are deducted upfront.
• Payments may begin before the expected customer or contract payment arrives, adding pressure to cash flow.
• A short term can mean larger or more frequent payments than a longer-term arrangement.
• If the incoming payment is late, reduced, or does not arrive, the business still needs to meet the agreement's payment obligations.
• The funding partner, not Goldhour, sets eligibility, structure, pricing, and contract terms.

Ask before you sign

Six questions worth asking.

1. How much cash will actually land in my account after every deduction?
2. What is the total amount I must repay, and what does each fee cover?
3. When do payments start, how often are they taken, and what happens if the expected payment is delayed?
4. What are the full term and final payment expectations, and can the term change?
5. Can I pay off early, and how would that affect the amount due? Are there renewal, extension, or exit conditions?
6. Who is the funding partner, who should I contact with servicing questions, and what happens if a payment cannot be made on schedule?

Have these ready

• A clear description of the cash gap, the business expense, and how the funds would be used.
• Information about the expected incoming payment, including its source, timing, and any conditions that could affect it.
• Recent business bank records and revenue information, if requested by a funding partner.
• Relevant invoices, purchase orders, contracts, or customer payment documentation, if available.
• A current view of recurring business expenses and existing payment obligations.
• Questions about fees, payment cadence, late-payment consequences, early payoff, and exit terms.