Move at deal speed, then refinance on your terms.
Fast, flexible capital to acquire, reposition, or stabilize a property before locking permanent financing. When a closing deadline wins the deal, a bridge keeps you competitive — and we line up the take-out before it matures.
Bridge & short-term at a glance
- Close in days, not months
- 6 to 36-month interest-only terms
- Up to 75% LTV depending on asset and exit
- Acquisition, reposition, and stabilization
- No-prepay options for short timelines
Ideal for: investors chasing time-sensitive acquisitions, value-add operators repositioning an asset, and owners bridging to permanent financing or a sale.
When speed is the whole deal
Some opportunities only exist because they close fast: the off-market acquisition with a hard deadline, the auction purchase, the seller who needs out before quarter-end. Conventional and SBA financing take 30–75 days. A bridge closes in days because the underwrite is the asset and the exit — not years of tax returns.
Bridge debt also solves sequencing. Buy the next property before the current one sells, take down a deal while permanent financing is still underwriting, or pull equity from one asset to close another. The loan is exactly that — a bridge between the opportunity and the long-term structure.
The exit is the underwrite
Every bridge loan we fund is approved around a credible exit: a sale, a refinance into permanent debt, or a stabilization event like lease-up that unlocks conventional or agency financing. Terms run 6–36 months, interest-only, up to 75% LTV depending on the asset and how strong that exit looks.
Because the clock matters, we structure no-prepayment-penalty options when your timeline is short, and we'll frequently scope the take-out loan in parallel — so maturity is a planned event, not a scramble. A bridge with no exit plan is a problem; we won't write one that way.
Bridge loan questions, answered.
How fast can a bridge loan close?
Five to ten business days is typical on a clean file with a responsive title company. The pace is set by the appraisal or valuation and clear title — both of which we start on day one.
What can a bridge loan be used for?
Time-sensitive acquisitions, buying before you sell, auction purchases, cash-out to fund another deal, or carrying a property through renovation and lease-up until permanent financing makes sense.
What's the difference between a bridge loan and permanent financing?
A bridge is short-term (6–36 months), interest-only, and priced for speed and flexibility. Permanent financing is long-term and cheaper but slower to close. The bridge buys time; the permanent loan takes it out.
What happens at the end of the bridge term?
You execute the exit — sell, or refinance into permanent debt. We pressure-test that exit before you close and often arrange the take-out early. Extensions exist for a fee on performing loans, but they're a backstop, not the plan.
On a deadline? Let's move.
Send us the basics and we'll come back with real terms — no cost, no obligation, no credit pull to start.