Bridge Loans — Short-Term Financing That Moves Fast
A bridge loan is a short-term loan (typically 1–36 months) that “bridges” the gap between where you are now and your next permanent financing. Use it to buy before you sell, fund a renovation, or close on a property before long-term financing is in place.
Bridge Loan Highlights
- Terms: 6 months to 3 years
- Up to 80% LTV on current value, 70% ARV
- No income documentation on most programs
- Close in 5–14 business days
- Interest-only payments
- Residential and commercial properties
- Loan amounts from $100,000 to $10M+
Common Bridge Loan Scenarios
Buy Before You Sell
Found your next property before your current one sells. Bridge loan covers the purchase gap.
Renovation Bridge
Property doesn’t qualify for permanent financing yet. Bridge it through the rehab.
Time-Sensitive Deals
Auction purchases, foreclosures, off-market deals — when speed is everything.
Stabilization
Property is vacant or under-rented. Bridge to stabilization then refi to DSCR.
Bridge vs Hard Money
Bridge loans and hard money are similar but bridge loans typically have slightly better rates and longer terms. Hard money is often used for distressed properties or borrowers with credit issues. We offer both — call us and we’ll match you to the right program.
Get a Bridge Loan Quote