Fast capital for acquisitions
Bridge loans are designed to get you to the closing table quickly — often in days, not weeks. When you're competing on a property or need to move before long-term financing is ready, speed is the point.
Hard Money Lending
Bridge Loans
A bridge loan is short-term capital to close quickly on an acquisition or unlock equity while you line up long-term financing or a sale. It's built for speed — when the window is narrow and a bank timeline won't work.
Whether you're buying before you sell, bridging into a DSCR refinance, or need capital on a time-sensitive opportunity, bridge financing is structured around the deal, your exit, and how fast you need to move.
The Basics
How Bridge Financing Works
A clear look at the structure — so you know what you're applying for before you send a deal.
Short-term until your exit
Terms are intentionally short — aligned with a refinance, resale, or other planned exit. You're not signing up for a 30-year hold; you're buying time to execute the next step in your strategy.
Interest-only during the hold
Most bridge loans are interest-only while the capital is out. That keeps monthly carry predictable during the bridge period, then you repay principal when you sell, refinance, or otherwise exit.
Underwritten on the deal and exit
Approval focuses on the property, the numbers, and a credible exit plan — not a full conventional income documentation process. We need to understand how you'll pay the loan off, not just how you'll pay interest month to month.
Before You Apply
What You'll Need to Get Started
Have these basics ready and we can move quickly. You don't need a perfect package — just enough for us to understand the deal, your timeline, and how you plan to exit.
Not sure if bridge is the right fit?Talk to a lenderand we'll walk through your scenario before you apply.
- The property address
- Purchase price or current property value
- How much capital you need to borrow
- Your planned exit — sell, refinance, or other payoff
- Target close date, if you're already under contract
- Any existing liens or loans on the property
The Advantage
Why Investors Choose Bridge Loans
Bridge financing isn't about replacing every bank product — it's about moving when conventional timelines can't keep up with the opportunity.
Speed
Close in as little as 7–14 days once title and insurance are in place. When the deal is time-sensitive, bridge capital gets you in the door before it's gone.
Flexible use cases
Buy before you sell, bridge into long-term financing, or capitalize on a short window — bridge loans fit scenarios banks rarely move fast enough to cover.
No long-term lock-in
Most bridge loans carry no prepayment penalty, since the hold is expected to be short. Pay off when your exit happens without a step-down penalty structure.
Direct lender
Funding decisions come from the same team you're talking to — fewer handoffs, clearer answers, and faster feedback on whether the deal works.
FAQ
Bridge Loan Questions
Straight answers on timing, exits, structure, and what makes a bridge deal work.
What is a bridge loan used for?
Bridge loans cover short-term capital needs — usually an acquisition or equity pull — while you execute a planned exit like a sale, DSCR refinance, or long-term loan. Common scenarios include buying before you sell, moving fast on a competitive property, or bridging into permanent financing.
How fast can I close on a bridge loan?
Bridge loans are built for speed. Once title, insurance, and underwriting items are in place, closings often happen in 7–14 days rather than the weeks or months many banks require. Share your deadline up front and we'll build the timeline around it.
Do I need a clear exit strategy?
Yes. Bridge financing is short-term by design, so we need to understand how you plan to pay the loan off — sell the property, refinance into a DSCR or conventional loan, or another credible exit. The stronger the plan, the smoother the process.
Is bridge financing interest-only?
Most bridge loans are interest-only during the hold period. You pay interest on the borrowed amount while the capital is out, then repay the principal when your exit happens.
Are there prepayment penalties on bridge loans?
Most of our bridge loans carry no prepayment penalty, since we expect a short hold. You can pay off when your refinance or sale closes without a step-down penalty structure.
Do I need prior investing experience?
Experience can help with leverage and pricing, but it isn't always a hard requirement. We'll review the property, the numbers, and your exit plan together — first-time investors can qualify when the deal makes sense.
Want more investor education?Visit the Learning Centeror readWhat Is Hard Money Lending?.
Ready to Move on Your Deal?
Send the property details and your timeline — we'll tell you what it takes to get bridge capital in place, usually within one to two business days.