Bridge
Bridge loans for real estate investors.
Short-term money to close quickly, pay off a note that's coming due, or hold a finished property while you sell it or line up permanent financing.
How it works
Short-term money, with a clear way out.
A bridge loan is short-term financing on property that doesn't need construction. Common uses include paying off a hard money note before it matures, holding a finished new build while it sells or leases, or closing quickly on a purchase before permanent financing is in place.
If work is still planned on the property, it isn't a bridge. It's a fix-and-flip loan, and the structure is different. We'll sort that out on the first call.
Every bridge loan is underwritten on the exit. The lender wants to see how it gets paid off, whether that's a sale or a refinance into a long-term DSCR loan. If the plan is to refinance, the rent numbers matter from day one.
Terms are short, usually six, twelve, or eighteen months. A longer term costs more at origination, so we size it to your real timeline rather than the longest one available.
Typical terms
What a bridge loan usually looks like.
- Term
- 6, 12, or 18 monthsEach step up in term typically adds to origination.
- Purpose
- Stabilized propertyNo construction planned. Otherwise it's a fix-and-flip.
- Exit
- Sale or DSCR refinanceUnderwritten on how the loan gets paid off.
- Borrower
- LLC or corporationMany bridge lenders will not lend to an individual.
- Liquidity
- Cash reserves requiredLenders verify liquidity in addition to the down payment.
- Underwriting
- Experience, credit, liquidityNot W-2 income or tax returns.
- Common uses
- Payoff, purchase, or holdTake out a maturing note, close fast, or hold a finished build.
- Timeline
- Fast closeMoves quickly once title and value are confirmed.
These are typical ranges across the lenders we place with, not a quote. Your actual rate, leverage, and terms depend on the property, your credit and experience, and the lender.
Is it the right loan
Who this fits, and who it doesn't.
Investors who need time or speed.
- Hard money notes coming due before the property is ready to refinance
- Finished new builds waiting to sell or lease
- Competitive purchases that need to close fast
- Properties that need seasoning before a cash-out refinance
When a bridge is the wrong tool.
- A property that still needs renovation. Use a fix-and-flip loan.
- A long-term hold with tenants in place. A DSCR loan is cheaper.
- No realistic exit within the term
What we need
What a bridge file needs.
- Property address and current value estimate
- Payoff letter on any existing loan
- Your exit plan: list price and timeline, or the refinance numbers
- Rent roll or leases if the exit is a refinance
- Entity documents and photo ID
- Two months of bank statements showing reserves
Tell us the exit
What it's worth, what's owed, and how this loan gets paid off.
We size the term
We match a lender and term to your real timeline, not the longest one on offer.
Close fast
Bridge files move quickly once title and value are confirmed.
Questions
Bridge loan questions.
What is a bridge loan in real estate?
What's the difference between a bridge loan and a fix-and-flip loan?
Can a bridge loan pay off my hard money loan?
Can I get a bridge loan in my personal name?
Other loan types
Not quite the right fit?
Need time or speed on a deal?
Two minutes to tell us what you're working on. No application fee, no credit pull to get a conversation started.