Short-term capital that gives you time and flexibility between acquisitions, dispositions, or refinances.
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.
$125,000 to $5,000,000 per loan. Multi-loan structures available up to $10MM ($20MM case by case).
15-18 months
As fast as 14 days
No prepay penalties, and limited recourse options available
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.
A bridge loan covers the gap between where you are and where you're going. Six situations where bridge financing is the right tool.
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.
Rental property not yet seasoned or leased up? Bridge financing covers the gap until the asset qualifies for a long-term DSCR 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.
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.
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.
Acquiring a property that needs operational improvements before it qualifies for permanent financing. Bridge holds the asset through the repositioning period.
Refinancing is one of the most common reasons investors reach for a bridge loan, not just buying. When a maturing note, a stalled take-out, or trapped equity is the problem, a short-term bridge refinance buys the runway to execute on your timeline instead of your current lender's.
Your existing loan is about to balloon and the permanent take-out is not ready. A bridge refinance pays off the maturing note and holds the asset for 15 to 18 months while you stabilize, season, or line up long-term financing. No forced sale into a soft market.
Swap high-cost or hard-money debt for cleaner short-term financing while you finish a business plan. Rate-and-term bridge refinances carry the highest available leverage because no cash is pulled out of the deal.
Equity trapped in a stabilized property you would rather not sell? A cash-out bridge refinance unlocks that capital short-term so you can fund the next acquisition, then exit into a DSCR loan or sale when the timing is right.
Ledger bridge loans go up to 85% loan-to-value (LTV) on the property's current as-is value. Where you land inside that ceiling depends on four things: borrower experience, credit, property type, and how clean and near-term your exit is. Repeat investors with a signed sale contract or committed take-out get the top of the range; a first-time investor on a speculative exit sits lower.
Some investors search for a "90% LTV bridge." Candidly, that is above where responsible bridge capital prices on residential investment property, and a lender quoting 90% is usually measuring against a number other than as-is value. We would rather structure real leverage you can actually exit than dress up a rate sheet. On value-add deals we can also look at loan-to-cost, which can put more total dollars in the deal than an LTV figure alone suggests.
Your rate depends on four factors. Repeat borrowers with low leverage and a clear, near-term exit get the best pricing.
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.
Minimum 660 FICO. Scores above 720 qualify for lower rates. Higher credit signals lower risk to the lender.
Lower loan-to-value earns better rates. More equity in the deal means better pricing.
A clear, near-term, documentable exit (signed sale contract, committed take-out financing, stabilization plan) earns sharper pricing than a speculative or undefined exit.
Bridge loans are for business-purpose, non-owner-occupied residential investment properties. Here's what qualifies.
Bridge loans available in 40+ states. See state-specific programs and market details.