Short-term capital

Bridge Loans

Fast-track capital for time-sensitive acquisitions.

Request a Free Consultation View Loan Programs

$1M – $50M+Loan Amount

Up to 80% LTVMax LTV (purchase price)

Funding in 7–10 daysFunding Timeline

Fast-track capital for opportunistic acquisitions, property stabilization, and short-term liquidity needs. Designed for investors who value closing speed above all else.

A bridge loan is short-term debt that covers the gap between a purchase and whatever comes after it — a refinance, a sale, or a property reaching stabilization. It exists because the timeline that makes a deal profitable and the timeline a conventional lender needs are rarely the same one.

The most common uses are straightforward: buying a property that will not qualify for permanent financing in its current condition, closing on a schedule an institutional process cannot meet, paying off a maturing note while the take-out loan is still in underwriting, or pulling equity out of one asset to move on another. In every one of them, speed is the product.

Underwriting is asset-first. What decides the deal is the value of the collateral and the credibility of the exit — how the loan gets repaid and when. Personal income is secondary; a clear plan is not. Because the term is measured in months, payments are interest-only: amortizing a large balance over a short period would create a payment nobody could carry.

The tradeoff is cost. Bridge debt prices above permanent financing, and it should: it is priced for speed and for the risk of lending against a property that is not yet doing what it is supposed to do. That math works when the loan buys an opportunity worth more than the spread, and stops working when the exit slips. Before signing, the question worth answering is not what the rate is — it is what happens if the exit takes six months longer than planned.

When this loan fits

Buying a property that will not qualify for permanent financing in its current condition.
Closing on a schedule an institutional process cannot meet.
Paying off a maturing note while the replacement loan is still in underwriting.
Pulling equity out of one asset to move on another.

Program terms

These are the figures we publish today. Final terms depend on the property, the sponsor and the structure.

Loan Amount: $1,000,000 – $50,000,000+
Max LTV (purchase price): up to 80%
Term: 12–24 months
Payments: Interest-only
Funding Timeline: 7–10 business days

What you need to apply

Nothing here is a surprise later. If something is missing we will tell you on the first call.

A defined exit — how the loan gets repaid, and when.
An appraisal or valuation of the collateral.
A plan for the property — stabilization, renovation or sale — with dates on it.
Evidence you can carry the interest payments until the exit.
Clean title, with the lender in first position.

Eligible properties

Multifamily
Retail
Office
Industrial and warehouse
Mixed-use

Common questions

Why does a bridge loan cost more than permanent financing?

You are paying for speed, and for the risk of lending against a property that is not yet doing what it is supposed to do. That math works when the loan buys an opportunity worth more than the spread, and stops working when the exit slips.

How fast can it actually fund?

Seven to ten business days is the range we publish. What decides it is almost never the lender — it is how quickly the appraisal, the title work and the entity documents come together on your side.

What happens if my exit slips?

This is the question worth answering before signing rather than after. Extensions exist and they cost money. Build the timeline with room: a bridge loan priced for six months and held for twelve is a different deal from the one you underwrote.

Do you look at my personal income?

It is secondary. Underwriting is asset-first: the value of the collateral and the credibility of the exit are what decide the deal. A clear repayment plan carries more weight than a pay stub.

Figures shown are current published parameters and are not an offer or commitment to lend. Availability, pricing, leverage and timelines vary by property, sponsor experience and market conditions.

Next step