Bridge Loans for Real Estate Investors | From 8.875% | Ledger Trade & Capital
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Bridge Loans

Short-term capital that gives you time and flexibility between acquisitions, dispositions, or refinances.

Overview

Bridge to Your Next Move

Transitional financing when timing matters most. Bridge loans are the most flexible tool in a real estate investor's toolkit. They provide short-term leverage based on the property's current value for an investor to seek best execution — whether that be by market timing, stabilizing an asset, or simply capital to close.

Our bridge loans are built for speed. We underwrite the deal, not just the borrower, and structure terms that match your strategy.

Loan Range

$125,000 to $5,000,000 per loan. Multi-loan structures available up to $10MM ($20MM case by case).

Term

15-18 months

Closing Speed

As fast as 14 days

Flexible Capital

No prepay penalties, and limited recourse options available

Why Ledger

What Sets Us Apart

  • Close in as fast as 14 days for qualified borrowers
  • Flexible terms that match your specific exit strategy
  • No prepayment penalties
  • Interest-only payments during the loan term
  • Extension options available if your timeline shifts

Ideal Borrower

Timing is everything. Sometimes a couple months make a meaningful difference with your investment. Borrowers seeking that short-term solution can find comfort in the flexibility offered by bridge financing.

Without prepayment penalties, short-term bridge financing can make a meaningful difference in your execution strategy.

Use Cases

When a Bridge Loan Makes Sense

A bridge loan covers the gap between where you are and where you're going. Six situations where bridge financing is the right tool.

Fast Acquisition

Close on a property in days, not months. When the deal requires speed that conventional financing can't match, bridge capital lets you win the bid and sort out long-term financing later.

Stabilization Before DSCR

Rental property not yet seasoned or leased up? Bridge financing covers the gap until the asset qualifies for a long-term DSCR refinance.

Maturing Loan Refinance

Existing loan about to balloon and your take-out isn't ready? Bridge buys 12-18 months of runway to execute your exit on your timeline, not your current lender's.

1031 Exchange Timing

Identification and closing deadlines on a 1031 exchange don't wait for a seller's timeline. Bridge financing lets you close the replacement property within the IRS window.

Cash-Out for Next Deal

Equity trapped in a stabilized property you'd rather not sell yet? Bridge financing unlocks that capital short-term so you can deploy it into the next acquisition.

Value-Add Repositioning

Acquiring a property that needs operational improvements before it qualifies for permanent financing. Bridge holds the asset through the repositioning period.

Pricing

How Bridge Loan Rates Work

Your rate depends on four factors. Repeat borrowers with low leverage and a clear, near-term exit get the best pricing.

Base Rate
8.875%

Experience Level

Borrowers with 3+ completed real estate projects receive better leverage and pricing. No-experience borrowers can still qualify on purchase bridge and rate/term refinance at reduced leverage.

Credit Score

Minimum 660 FICO. Scores above 720 qualify for lower rates. Higher credit signals lower risk to the lender.

Leverage

Lower loan-to-value earns better rates. More equity in the deal means better pricing.

Exit Strategy

A clear, near-term, documentable exit (signed sale contract, committed take-out financing, stabilization plan) earns sharper pricing than a speculative or undefined exit.

Eligibility

What You Need to Qualify

Bridge loans are for business-purpose, non-owner-occupied residential investment properties. Here's what qualifies.

Eligible

  • 660+ credit score
  • First-time and experienced investors both welcome
  • Single-family residences
  • Townhomes and condos
  • 2-10 unit residential buildings
  • Clear exit strategy (sale, refi, or stabilization)
  • Loan amount $125K to $5M

Not Eligible

  • Owner-occupied properties
  • Commercial and mixed-use properties
  • Land-only (no structure)
  • Mobile or manufactured homes
  • Credit score below 660
  • No exit strategy or plan
Bridge Loan Summary: Ledger Trade & Capital funds bridge loans from $125K to $5M. Rates from 8.875%. Up to 85% loan-to-value. Terms of 15 to 18 months with interest-only payments. Minimum 660 credit score. Available to both first-time and experienced investors, with better leverage and pricing at 3+ completed projects. Limited recourse options available. Ideal for acquisitions, dispositions, stabilization, and transitional strategies. Available in 42 states plus Washington, D.C.
Program Details

Bridge Loan Parameters

Rates From
8.875%
Max LTV
Up to 85%
Loan Range
$125K to $5M
Term
15-18 Months
Experience
3+ Projects
Recourse
Limited Recourse Available
A bridge loan is short-term financing that covers the gap between an immediate capital need and a longer-term exit. Real estate investors use bridge loans to acquire properties quickly before conventional financing is available, refinance a maturing loan, complete a stabilization period before a DSCR refinance, fund a 1031 exchange, or unlock equity for the next deal. Terms typically run 15 to 18 months interest-only.
Bridge loans are available up to 85% of the loan-to-value (LTV). Leverage depends on property type, borrower experience, the exit strategy, and overall deal structure. Higher leverage is available for repeat borrowers with strong track records.
The minimum credit score for bridge loan programs is 660. Credit score is one factor in underwriting alongside deal quality, borrower experience, and exit strategy.
Bridge loans are available to both first-time and experienced investors. Borrowers with 3+ completed real estate projects in the last 3 years qualify for better leverage and pricing; no-experience borrowers can still qualify on purchase bridge and rate/term refinance at reduced leverage. Eligible experience includes flips, new construction, and other investment properties.
We can close bridge loans in as fast as 14 days for well-prepared borrowers with a clean title, a completed appraisal, and insurance in hand. Typical closings take 2-3 weeks depending on title, appraisal, and insurance timelines.
Yes, limited recourse options are available on bridge loans for qualifying borrowers and properties. Standard carve-outs apply. Speak with our team to discuss limited recourse structuring for your specific deal.
Bridge loans are available on non-owner-occupied residential investment properties: single-family residences, townhomes, condos, and 2-10 unit residential buildings. The property must be a business-purpose investment, not a primary residence.
Rates start at 8.875% and adjust based on four factors: credit score, borrower experience, loan-to-value, and exit strategy strength. Repeat borrowers with low leverage and a clear, near-term exit receive the best pricing.
No. Ledger bridge loans carry no prepayment penalty. You can pay off the loan the day after closing if your exit comes together faster than expected. This matters for investors whose timing shifts (earlier sale, faster refinance) during the loan term.
By State

Bridge Lending Coverage

Bridge loans available in 40+ states. See state-specific programs and market details.

Florida Texas North Carolina Georgia Pennsylvania New Jersey New York Ohio Virginia Colorado Tennessee Arizona View All 40+ States →

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