An analytical model for the complete second-order wave loads on a floating bridge of T-type cross section is established within the framework of potential flow theory. The first-order problem is solved using the matched eigenfunction expansion method (MEEM). Meanwhile, the second-order wave loads are divided into two distinct parts which are computed separately. The first part is dependent on the quadratic products of the first-order velocity potential and its derivative. It has been evaluated through two different ways. One is based on a direct pressure integration, i.e., a near-field method. To ensure a high accuracy of the computation, a local expansion is applied to determine the spatial derivative of the first-order velocity potential at a sharp corner. The other is based on the momentum conservation over a control volume. The effect of the control surface location on the computation has been discussed. In addition, the two proposed methods have been applied to both the time-independent wave-load component as well as the second-harmonic component, respectively. The second part of the complete second-order wave loads is due to the second-order velocity potential. It is evaluated based on an indirect method by introducing an auxiliary potential. Detailed numerical investigation is then conducted. The influence law of the sectional geometric parameters on the second-order wave loads is investigated. The numerical results reveal that the cantilever plate imposes an apparent protection effect on the inner web beam. Such effect gets obviously enhanced as the section net width or section height decreases or as the plate width or draft increases.