Move fast on the deal — short-term capital that closes in days, not weeks.
A bridge loan gives real estate investors short-term, interest-only capital to buy, stabilize, or hold a property before refinancing or selling. When a deal won’t wait for conventional financing, this is how you close on time.
Bridge loan terms at a glance
Up to ~90%
of purchase price (LTC)
$3M+
maximum loan amount
6–24 mo
short-term, interest-only
No experience
first-time investors OK
From ~650
minimum credit score
Days
to close, not weeks
All figures shown are maximums, with exceptions considered case-by-case. Final terms are quoted per deal and depend on the property, the project, and your profile.
When a bridge loan makes sense
Bridge financing fits the moments between a long-term plan and the cash to execute it: winning a competitive purchase, buying before a sale closes, stabilizing a property for a future DSCR refinance, or freeing up equity for the next acquisition. It’s built around the property and the exit, not your tax returns.
What a bridge loan can do
- Finance up to ~90% of purchase price (loan-to-cost) and about 75% of as-is value
- Borrow up to $3,000,000+ on a single property — cross-collateralized portfolios into the eight figures
- Short 6–24 month interest-only terms built around your exit
- Qualify on the property and the deal — no full income documentation
- Credit from the ~650s; first-time investors eligible
- Close in days, with title held in an LLC or entity
Every figure above is a program maximum, not a guarantee — your actual terms depend on the property, the project, and your exit. We’ll quote real numbers once we see the deal.
Bridge, flip, or hold?
If you’re renovating to resell, look at fix and flip loans. If you plan to keep the property as a rental, a DSCR loan is the long-term exit — and we can refinance out of the bridge when it stabilizes. These all sit alongside our other investor lending options.
Frequently asked questions
What is a bridge loan in real estate?
A bridge loan is short-term financing — typically 6 to 24 months, interest-only — that lets an investor move quickly to buy, stabilize, or hold a property before arranging permanent financing or a sale. It bridges the gap between today’s opportunity and tomorrow’s exit.
How fast can a bridge loan close?
Bridge loans are built for speed and can close in days rather than weeks. Because they qualify on the property and the deal rather than full income documentation, the path to funding is short.
Can I get a bridge loan with no experience?
Yes. First-time investors are eligible. Experience improves leverage and pricing, but a strong deal can be funded with zero prior transactions.
How much can I borrow with a bridge loan?
Up to roughly 90% of purchase price (loan-to-cost) and about 75% of as-is value, with loan amounts to $3,000,000+ on a single property and cross-collateralized portfolios into the eight figures.
Got a deal that won’t wait? Send it over and we’ll tell you how fast we can fund it.