Bridge Loans — Fast Private Money Bridge Financing for Real Estate Investors
Bridge loans are short-term real estate loans used to 'bridge' the gap between an immediate capital need and a longer-term financing solution. Whether you're closing quickly on an acquisition, repositioning an asset, or waiting for a permanent loan to process, bridge financing provides fast, flexible capital when conventional lenders can't move fast enough.
What Are Bridge Loans?
A bridge loan is a short-term loan — typically 6 to 24 months — that provides interim financing for real estate transactions. Bridge loans are funded by private money lenders rather than traditional banks, which is why they close faster and have more flexible underwriting requirements.
Real estate bridge loans are collateralized by the property being financed. Approval is based primarily on the asset's value and the borrower's exit strategy rather than traditional income verification or employment history.
Common Uses for Real Estate Bridge Financing
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Quickly closing on a competitive acquisition before conventional financing is arranged
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Refinancing an existing loan while awaiting a permanent financing solution
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Repositioning or stabilizing a distressed or vacant property
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Covering a timing gap between a property sale and a new purchase
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Funding a commercial or multifamily property during lease-up
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Accessing equity in an existing asset to fund a new acquisition
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Rescuing a deal when a bank loan falls through at the last minute
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Short-term funding for light value-add renovation prior to refinance or sale
Bridge Loan Terms & Rates
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Interest Rates: 7.99% – 12.99%
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Loan Terms: 6–24 months (extensions typically available)
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LTV: Up to 70–75% of current as-is value
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Payment Structure: Interest-only monthly payments
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Loan Amounts: $100,000 to $10M+
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Closing Speed: 7–21 days for most qualified loans
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Points: 1–3 origination points
Why Choose Private Money Bridge Loans
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Speed — close in days, not weeks or months
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Flexibility — asset-based underwriting focused on property value
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Certainty of execution — fewer deal fallouts versus bank financing
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Creative structuring — we work around complex situations
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Low documentation — minimal personal income verification required
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Nationwide availability — we lend across the country
Bridge Loan vs. Hard Money Loan
Bridge loans and hard money loans share many characteristics — both are short-term, asset-based, and funded by private lenders. The distinction is typically in purpose: hard money loans are often associated with fix-and-flip rehab projects, while bridge loans typically reference interim financing for stabilized or near-stabilized assets. In practice, many lenders use these terms interchangeably. We offer both products and can structure the right solution for your deal.
Bridge Loan FAQ
How fast can a bridge loan close?
Our private money bridge loans can close in as few as 7–10 business days for prepared borrowers. Expedited closings in 3–5 days are available for repeat clients with complete documentation.
What is a typical bridge loan exit strategy?
Common exit strategies include: selling the property, refinancing into a long-term DSCR or conventional loan, completing a refinance after stabilization, or securing a construction permanent loan. We evaluate exit feasibility as part of our underwriting process.
Do you offer interest-only bridge loans?
Yes — all of our bridge loans are structured as interest-only. This minimizes your monthly carry cost during the bridge period and maximizes your cash-on-cash return until your exit.