Short-term real estate bridge financing for investors who can't afford to wait. Rates from 8.5%, up to 75% LTV, across 35 states. No fluff — just capital.
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Our Loan Products
From single-family flips to large commercial acquisitions, we have a bridge loan program tailored to your strategy.
Fast-close purchase financing for 1–4 unit investment properties. Perfect for competitive markets where cash buyers win — we can fund as fast as 5 days.
Acquisition plus rehab financing in a single draw-based loan. We fund up to 90% of purchase price and 100% of renovation costs for experienced flippers.
Office, retail, industrial, and mixed-use acquisition or refinancing bridge financing. Close before a traditional commercial lender can schedule an appraisal.
Ground-up construction financing for residential and light commercial projects. Funds drawn in stages as construction milestones are met and inspected.
Value-add apartment acquisitions. Bridge the gap between purchase and stabilization, then refinance to permanent debt once occupancy targets are met.
Balloon payment due? Facing foreclosure? Deal falling apart at the last minute? Our emergency bridge team specializes in 3–5 day turnarounds when time has run out.
The Process
Most bridge lenders take 30–45 days. We built our process around speed without cutting corners on underwriting quality.
Complete our online application in under 15 minutes. Tell us about the property, the deal, and your exit strategy. No credit score required to start.
A senior loan officer reviews your deal and issues a preliminary term sheet within 24 hours. Review rates, LTV, fees, and loan amount — no obligation yet.
We collect a streamlined set of docs: purchase agreement, property details, entity docs, and a simple financial summary. No 200-page loan packages required.
Our in-house underwriting team reviews the deal. We use drive-by or desktop appraisals for faster turnaround while maintaining accurate valuations.
Receive your formal loan commitment letter. Review final terms, sign the commitment, and schedule your closing date with your title company of choice.
Wire hits at closing. Funds are available same day. Your deal closes, you get the keys, and you can execute on your investment strategy immediately.
Rates & Terms
What you see in our term sheet is what you pay at closing. No surprise fees added at the last minute.
| Loan Type | Interest Rate | Origination Fee | Max LTV | Minimum Loan |
|---|---|---|---|---|
| Residential Bridge | 8.5% – 11% | 1.5 – 2.5 points | 75% LTV | $150,000 |
| Fix & Flip | 9.5% – 12% | 2 – 3 points | 90% of purchase | $100,000 |
| Commercial Bridge | 9.0% – 12% | 1.5 – 2.5 points | 70% LTV | $500,000 |
| Construction | 10% – 13% | 2 – 3 points | 65% LTC | $300,000 |
| Multifamily Bridge | 8.75% – 11.5% | 1.5 – 2.5 points | 75% LTV | $1,000,000 |
Rates and terms subject to change. Actual rate depends on property type, LTV, loan amount, borrower experience, and market conditions. Not a commitment to lend.
Payment Estimator
Estimate your monthly interest payment and LTV in seconds. Rates shown are indicative — your quote may vary based on property type and borrower profile.
Your Estimate
✓ Excellent LTV — qualifies for best available rates.
Get My Real Quote →Why BridgeLoans
We're a specialized bridge lender. That means faster decisions, less paperwork, and a team that understands your deals.
Our record is 3 business days. We've invested heavily in our underwriting process so deals close on your timeline, not ours.
One point of contact from application through closing. Your loan officer picks up the phone and responds to emails same day.
No tax returns, no W-2s, no 90-page loan packages. We underwrite the deal and the asset — not your personal income history.
Finish your flip ahead of schedule? Pay off your bridge loan any time with no prepayment penalties on most programs.
We lend across 35 US states — from Los Angeles to Miami, from Dallas to New York. Expand your investment footprint nationwide.
Fully licensed mortgage lender operating under state and federal regulations. Your loan is processed by a regulated institution.
Coverage Map
We're licensed and actively lending in the most active real estate investment markets across the US.
Side-by-Side
Not all bridge financing is equal. See why thousands of investors choose BridgeLoans over traditional banks and hard money lenders.
| Factor | ⚡ BridgeLoans | Traditional Bank | Hard Money Lender |
|---|---|---|---|
| Funding Speed | 5–7 Business Days | 30–60+ Days | 7–14 Days |
| Minimum FICO | 620+ | 680–720+ | 550–600+ |
| Starting Rate (APR) | From 8.5% | From 7.5% (prime) | 10–15%+ |
| Max LTV | Up to 75% | Up to 70% | 60–70% |
| Application Process | Online, 10 min | Branch visits, heavy docs | Varies |
| Prepayment Penalty | None after month 3 | Often Yes | Common, 3–6 months |
| States Available | 35 States | Varies by branch | Varies widely |
| Dedicated Loan Officer | Yes, from day one | Sometimes | Rarely |
Real Borrower Reviews
Don't take our word for it. Here's what real estate investors say about their experience.
"I had a deal under contract with a 10-day close window and my regular lender fell through on day 7. BridgeLoans closed me in 4 business days. Saved the deal and made me $80K profit. These guys are the real deal."
"I've used five different bridge lenders over 8 years. BridgeLoans is the only one where I don't feel like I'm chasing my loan officer. They respond same day, every time. The rate was competitive and the process was painless."
"I was facing a balloon payment maturity on my rental portfolio and couldn't get traditional financing in time. BridgeLoans stepped in, understood the situation immediately, and got me a 12-month bridge. Saved my portfolio."
Real Deals, Real Speed
A sample of bridge loans we've funded in the last 90 days. Names withheld for privacy.
Borrower needed to close on a waterfront property before listing their primary home. Asset-based approval — no income verification required.
Experienced flipper purchased distressed SFR in Buckhead. Purchase + renovation capital bundled into a single 12-month bridge facility.
Mixed-use retail & office acquisition while the borrower awaited CMBS refinance approval. Seller required 10-day close — we delivered in 7.
18-unit apartment complex acquired off-market. Borrower used 18-month bridge to stabilize occupancy before refinancing into agency debt.
Frequently Asked Questions
New to bridge financing? Here are the questions we hear most often.
Apply in 15 minutes. Get a term sheet in 24 hours. Close in as few as 5 days. No obligation to proceed.
NMLS Licensed · Equal Housing Lender · 35 States · $2B+ Funded · 5,000+ Loans Closed
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