Bridge Loans

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 non-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.

Program Details

Bridge Loan Parameters

Max LTV

Up to 85%

Experience

3+ Projects

Recourse

Non-Recourse Available

Bridge loans are available up to 85% of the loan-to-value (LTV). Leverage depends on property type, borrower experience, and overall deal structure. Higher leverage is available for repeat borrowers with strong track records.

The minimum credit score for bridge loan programs is 680. Credit score is one factor in underwriting alongside deal quality, borrower experience, and exit strategy.

Bridge loan borrowers should have completed at least 3 real estate investment projects within the last 3 years. This can include flips, new construction, or other investment properties.

Yes, non-recourse options are available on bridge loans for qualifying borrowers and properties. Standard carve-outs apply. Speak with our team to discuss non-recourse structuring for your specific deal.