Bridge Loans — Fast Capital for Time-Sensitive Deals | Investor Funding Guide
⚡ SPEED-OF-OPPORTUNITY CAPITAL

BRIDGE
LOANS

Short-term capital for time-sensitive opportunities. Close in days, not weeks. Use bridge financing to win competitive deals, refinance balloons, or unlock equity fast.

QUICK STATS

Typical bridge loan parameters
Loan Amount$250K – $25M
Max LTVUp to 75%
Rates From8.99%
Term6 – 24 months
Time to Close5 – 10 days
InterestInterest-only
WHAT IT IS

Capital that closes fast when timing matters most.

A bridge loan is short-term financing used to "bridge" the gap between an immediate need for capital and a longer-term financing solution. They're built for speed — closing in days instead of weeks — making them the go-to tool for investors who need to move now.

Whether you're racing to close on a discounted property, refinancing out of a balloon payment, or pulling equity to fund the next deal, bridge loans give you the flexibility traditional financing can't.

  • Close in 5-10 days — sometimes faster
  • Asset-based — minimal income docs
  • Interest-only payments
  • No prepayment penalty after 3 months
  • Refinance into long-term DSCR when stabilized

EXIT STRATEGY EXAMPLES

Every bridge loan needs a clear exit. Here are the most common.

→ SALE
Renovate and sell within the loan term — common for flips and value-add.
→ REFINANCE
Refi into a 30-year DSCR loan once the property is stabilized and cash-flowing.
→ RECAPITALIZATION
Bring in equity partners or institutional capital to take out the bridge.
LOAN TERMS

BRIDGE LOAN TERMS

Built for speed, flexibility, and certainty of close.

$
$25M
Max Loan Amount
%
75%
Max LTV
5-10
Days to Close
📅
24MO
Max Term
USE CASES

WHEN TO USE A BRIDGE LOAN

COMPETITIVE OFFERS

Win deals against cash buyers by offering 7-day closes — without actually being all cash.

💰

EQUITY UNLOCK

Pull cash out of a free-and-clear or low-leverage property to fund your next acquisition.

🔄

BALLOON REFI

Existing loan maturing and bank won't extend? Bridge into long-term financing on your timeline.

🏚

VALUE-ADD PROJECTS

Acquire and stabilize underperforming properties before refinancing into permanent debt.

🎯

AUCTION & FORECLOSURE

Courthouse-step purchases require fast, certain capital. Bridge loans deliver both.

🏗

BRIDGE-TO-CONSTRUCTION

Acquire land or an existing structure, then refi into a construction loan when permits are ready.

HOW IT WORKS

FAST PATH TO CLOSE

1

SAME-DAY QUOTE

Submit deal details and get a verbal LOI same business day. Term sheet within 24 hours.

2

RAPID DILIGENCE

Appraisal, title, and underwriting run in parallel. Most deals fully cleared in 5-7 days.

3

CLOSE

Wire to closing in 5-10 days. Time-of-the-essence deals can close in as little as 72 hours.

4

EXECUTE EXIT

Sell, refinance, or recapitalize within the loan term. Refi to DSCR when stabilized.

FAQ

BRIDGE LOAN QUESTIONS

How fast can I really close?
Most clean deals close in 7-10 business days. We've closed deals in 72 hours when title was clear and the borrower had docs ready. Speed depends on appraisal availability, title turn time, and how quickly you respond to underwriter requests.
What's the difference between a bridge loan and a fix & flip loan?
Fix & flip loans include rehab funding with structured draws — designed specifically for renovation projects. Bridge loans are more flexible: pure acquisition financing, equity unlocks, or stabilization plays where heavy rehab isn't the focus. Many flippers use bridge loans for properties needing only light cosmetic work.
Do I need an exit strategy?
Yes — every bridge loan requires a clear, viable exit. Lenders want to know how the loan will be paid off: sale, refinance into permanent debt, or another capital event. Strong exits get better rates and higher LTV.
What's the typical interest rate?
Bridge rates currently range from 8.99% to 12.99% depending on LTV, asset class, borrower experience, and term. They're higher than long-term loans because of the speed and flexibility — but you only pay them for 6-18 months.
Can I use a bridge loan for commercial property?
Absolutely. We have bridge programs for multifamily (5+ units), mixed-use, retail, office, industrial, and hospitality. Loan amounts up to $25M+ for commercial bridge.
Is there a minimum credit score?
Most bridge programs are asset-based, with credit minimums around 650. Some heavy-asset programs go down to 600 with strong equity in the property. Credit affects rate, but the deal itself is the primary qualifier.

NEED CAPITAL FAST?

Get a same-day quote on your bridge loan. No credit pull required to pre-qualify.

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