BRIDGE

The finance product framework

Every financier on BRIDGE reports against the same eight products. That shared language is what lets us compare deal flow, pricing and outcomes across philanthropic funds, credit unions, commercial lenders, angels and venture capital — and route an entity to the right product rather than the nearest one.

Product 1

Seasonal Working Capital Facility

Short-term finance aligned to creative economy seasons.

Provides short-term capital to creative enterprises and event-based businesses whose revenue is concentrated around specific seasons, events or market windows.

Eligible uses & assets

· Production & materials
· Costumes & inventory
· Marketing & promotion
· Venue & logistics
· Artist & staff payments
· Equipment & technology

Ticket size

USD 2,500 – 250,000

Tenor

Up to 12 months

Pricing

5% – 12% p.a. or revenue share

Security

Contracts, tickets, receivables, guarantees

Benefits

Cash-flow fit with revenue cycles

Seasonal flexibility

Creative sector relevance

Recycling potential

Readiness levels: FR2 · FR3 · FR4

Entity types: Festival / event · Association, band or collective · Artist / creative practitioner

Typically offered by: Micro-loan via dedicated fund · Micro-loan via credit union · Commercial fund / lender · Blended finance · DFI / bank

Seasonal Working Capital Facility — purpose, eligible assets, ticket size, tenor, pricing, security and benefits

Product 2

Creative Receivables & Factoring Facility

Unlocking cash tied up in confirmed income.

Advances capital against confirmed receivables such as sponsorships, grants, contracts and ticket settlements to solve cash-flow timing gaps.

Eligible receivables

· Sponsorship agreements
· Grant reimbursements
· Institutional contracts
· Ticket sale settlements
· Performance fees
· Purchase orders
· Licensing payments

Ticket size

60% – 80% advance rate

Tenor

30 – 90 days

Pricing

2% – 8% depending on tenor & risk

Security

Assignment of receivable, direct pay instruction

Benefits

Improves cash flow immediately

Unlocks value of confirmed income

Strengthens financial management

Builds credit history

Readiness levels: FR3 · FR4 · growth

Entity types: Festival / event · Association, band or collective

Typically offered by: Commercial fund / lender · Micro-loan via dedicated fund · DFI / bank · Impact investor

Creative Receivables & Factoring Facility — purpose, eligible assets, ticket size, tenor, pricing, security and benefits

Product 3

Festival & Carnival Warehouse Line

Aggregating creative economy loans into a scalable portfolio.

Aggregates multiple short-term creative economy loans into a managed pool before they are refinanced, securitised or sold to larger investors.

Eligible uses & assets

· Seasonal working capital loans
· Festival bridge finance
· Receivables finance
· Market access loans
· Vendor & marketplace finance
· Contract-backed loans

Ticket size

Facility USD 1M – 5M · average loan USD 10K – 50K

Tenor

12 – 24 months

Pricing

Senior 80–90% / first-loss reserve 10–20%

Security

Pooled loan assets, first-loss reserve, servicer oversight

Benefits

Creates scale & diversification

Improves access to larger capital

Builds performance data

Enables future securitisation

Readiness levels: FR3 · FR4 · growth

Entity types: Festival / event · Association, band or collective

Typically offered by: DFI / bank · Impact investor · Philanthropic / foundation · Blended finance

Festival & Carnival Warehouse Line — purpose, eligible assets, ticket size, tenor, pricing, security and benefits

Product 4

Embedded Finance through Synapse.Zone & Festival Platforms

Finance delivered at the point of need.

Delivers small loans, advances, insurance and payment tools directly within the platforms where creatives already work and transact.

Eligible uses & assets

· Vendor advance
· Production advance
· Mobility advance
· Contract advance
· Ticket-linked finance
· Membership credit
· Savings wallet
· Insurance referral

Ticket size

USD 500 – 10,000+

Tenor

Short-term (weeks – 6 months)

Pricing

Low fees or revenue share (2% – 7%)

Security

Small limits, platform data, automated deductions

Benefits

Finance at the point of need

Builds alternative data & credit history

Increases participation & sales

Strengthens ecosystem loyalty

Readiness levels: FR1 · FR2 · FR3

Entity types: Festival / event · Artist / creative practitioner · Association, band or collective

Typically offered by: Micro-loan via dedicated fund · Micro-loan via credit union · Commercial fund / lender · Impact investor

Embedded Finance through Synapse.Zone & Festival Platforms — purpose, eligible assets, ticket size, tenor, pricing, security and benefits

Product 5

Creative Economy Portfolio Securitisation Vehicle

Pooling performing assets into an institutional investment structure.

Pools performing creative economy receivables and loans into an investable structure that can attract institutional capital at scale.

Eligible uses & assets

· Receivables-backed loans
· Sponsorship receivables
· Ticketing receivables
· Festival bridge loans
· Seasonal working capital loans
· Revenue share agreements
· Licensing receivables
· Platform transaction receivables
· Contract-backed enterprise loans

Ticket size

Senior 60–70% · Mezzanine 20–30% · First-loss 10–20%

Tenor

Multi-year institutional structure

Pricing

Tranche-priced by risk appetite

Security

SPV holds the assets; trustee/administrator oversight

Benefits

Unlocks institutional capital

Creates a new asset class

Provides scale & liquidity

Recycles capital to finance more creatives

Readiness levels: FR4 · growth

Entity types: Festival / event · Association, band or collective

Typically offered by: DFI / bank · Impact investor · Philanthropic / foundation · Equity investor · Patient capital

Creative Economy Portfolio Securitisation Vehicle — purpose, eligible assets, ticket size, tenor, pricing, security and benefits

Product 6

Angel Investment

First external equity into founder-led creative enterprises.

Individual investors take small early equity or convertible positions in creative enterprises with a defensible idea, an identified market and a founder team able to execute.

Eligible uses & assets

· Founder-led creative ventures
· IP-owning studios and labels
· Early platform or marketplace ideas
· Festival spin-out enterprises

Ticket size

USD 10,000 – 150,000

Tenor

Equity / convertible — 4 to 7 year horizon

Pricing

Equity stake or discount on next round

Security

Shareholding, founder commitments, information rights

Benefits

Capital without repayment pressure

Mentorship and networks from the investor

Prepares the entity for a priced round

Values IP rather than collateral

Readiness levels: FR3 · FR4

Entity types: Festival / event · Artist / creative practitioner · Association, band or collective

Typically offered by: Angel investor · Impact investor · Patient capital

What funders assess

· Governance, cap table and decision rights
· Owned or licensed IP and its valuation basis
· Traction: revenue, audience and repeatability
· Team capacity to deliver the growth plan
· A credible route to the next round or exit

Product 7

Equity Investment

Priced rounds for creative enterprises with proven traction.

Institutional or syndicate equity into creative enterprises with audited or reviewed accounts, formal governance and a multi-year growth plan.

Eligible uses & assets

· Incorporated enterprises with a clean cap table
· Reviewed or audited financial statements
· Recurring or contracted revenue
· Owned or licensed IP portfolios

Ticket size

USD 150,000 – 1,500,000

Tenor

5 – 10 year horizon

Pricing

Priced round; board or observer seat typical

Security

Shareholders' agreement, governance and reporting covenants

Benefits

Balance-sheet capital for scale

Strategic governance support

Attracts follow-on capital

Long-term alignment with founders

Readiness levels: FR4 · growth

Entity types: Festival / event · Association, band or collective

Typically offered by: Equity investor · Impact investor · Patient capital · DFI / bank

What funders assess

· Governance, cap table and decision rights
· Owned or licensed IP and its valuation basis
· Traction: revenue, audience and repeatability
· Team capacity to deliver the growth plan
· A credible route to the next round or exit

Product 8

Venture Capital

Growth capital for scalable creative-tech and platform businesses.

Venture funds back creative economy businesses with a repeatable model, technology or IP leverage and the ability to grow revenue several times over within the fund's horizon.

Eligible uses & assets

· Creative-tech platforms and marketplaces
· Scalable content and IP businesses
· Ticketing, distribution and data products
· Regional roll-outs of a proven model

Ticket size

USD 500,000+

Tenor

Staged rounds over 5 – 10 years

Pricing

Preferred equity with milestone-based tranches

Security

Preference terms, board seat, milestone covenants

Benefits

Capital at scale for expansion

Follow-on capacity across rounds

Access to operator networks

Positions the creative economy as an investable sector

Readiness levels: growth

Entity types: Festival / event · Association, band or collective

Typically offered by: Venture capital · Equity investor · Impact investor

What funders assess

· Governance, cap table and decision rights
· Owned or licensed IP and its valuation basis
· Traction: revenue, audience and repeatability
· Team capacity to deliver the growth plan
· A credible route to the next round or exit