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.
Fix-and-flip loans for 1–4 unit homes
The same short-term structure works for residential investors buying a house, condo, townhome, or 2–4 unit property to renovate and resell. We size the loan against the purchase price, the rehab budget, and the after-repair value, and the renovation money is typically released in draws as the work is inspected — so you aren't carrying the whole budget in cash from day one.
Fix-and-flip loans are business-purpose only: they finance investment property, never a home you or a family member will live in. Your track record shapes the terms, but a first project isn't a dealbreaker when the numbers and the plan hold up. Availability varies by state, so tell us where the property is when you reach out.
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, fix-and-flip projects on 1–4 unit homes, cash-out to fund another deal, or carrying a property through renovation and lease-up until permanent financing makes sense.
Do you offer fix-and-flip loans?
Yes. We finance 1–4 unit homes bought to renovate and resell — houses, condos, townhomes, and 2–4 unit properties — sized against the purchase price, rehab budget, and after-repair value, with rehab funds released in draws as the work is completed. These are business-purpose loans for investment property only, and availability varies by state.
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.