Bridge Loans
Short-term capital for properties in transition — acquisition, refinance, or stabilization. Rescue loans when another lender drops the ball, foreclosure bailouts, and maturity default relief, with common-sense underwriting and no committee.
- Up to 75%
- LTV
- 24 hrs
- Close In
- 6–24 mo
- Terms
A bridge loan is short-term capital that gets you from where you are to where you need to be — a fast acquisition, a refinance, a stabilization period, or a rescue when time is against you. It "bridges" the gap until a permanent financing event or a sale.
Speed is the entire point. When a seller needs to close now, when another lender backs out at the eleventh hour, or when a loan is hitting maturity default, weeks matter. I underwrite on the asset with common sense and no loan committee, so a bridge loan can close in as little as 24 hours.
Bridge financing is also the tool for messy, time-sensitive situations banks won't touch: foreclosure bailouts, maturity default relief, and rescue loans on deals that fell apart at the closing table. Interest-only payments and no prepayment penalty keep it cheap to carry and easy to exit.
BridgeRates, Terms & LTV
The headline numbers for a bridge loan. Every deal is priced on its own merits — these are the guardrails.
| Metric | Terms |
|---|---|
| Interest Rate | Competitive short-term |
| Loan-to-Value | Up to 75% |
| Payments | Interest-only |
| Prepay Penalty | None |
| Term | 6–24 months |
| Close In | As little as 24 hours |
Why It Works
- Rescue loans when another lender drops the ball
- Foreclosure bailouts and maturity defaults
- Close in as little as 24 hours — no committee
Best For
- Investors facing a maturity default or foreclosure
- Time-sensitive acquisitions
- Deals another lender dropped at the last minute
Rates & Terms
- Competitive short-term rates
- Up to 75% LTV
- Interest-only payments
- No prepay penalty
Speed
- Close in as little as 24 hours
- No committee
- 6–24 month terms
- Foreclosure bailout loans available
Collateral
- All property types
- Distressed & transitional
- Maturity default rescues
How Bridge Funding Works
- 01
Call With The Situation
Tell me the property, the deadline, and what needs to happen. Bridge deals are about speed — the clock starts now.
- 02
Same-Day Terms
I underwrite on the asset with common sense, no committee. Get terms fast so you know exactly where you stand.
- 03
Close Fast
Interest-only, no prepay penalty, and closings in as little as 24 hours once title is clear.
- 04
Transition Out
Stabilize, sell, or refinance into permanent financing when the timing is right — with no penalty for paying early.
Property Types We Fund
A bridge loan works across these property types. Explore each to see specifics on underwriting and leverage.
Bridge Deals I've Funded
Real closings, real investors. Here are bridge projects funded with the same speed and terms waiting for your next deal.
- Bridge
$2,750,000
New Hope, PA
Single Family
- Bridge
$1,750,000
Leesburg, VA
Single Family
- Bridge
$1,504,000
New Freedom, PA
Single Family
States Where I Fund Bridge Deals
See local rates, terms, and funded deals for your market.
Another lender dropped us at the closing table. Henry closed the bridge in 24 hours and saved the deal.
Qualifying For A Bridge Loan
I underwrite on the deal, not red tape. Here's what makes a bridge loan easy to approve.
- A property with sufficient equity (up to 75% LTV)
- A clear, near-term exit or refinance plan
- Entity (LLC) borrower — business-purpose only
- Clean or clearable title
- A time-sensitive reason speed matters
Bridge Loan FAQs
In as little as 24 hours. There is no loan committee — you get direct access to the decision maker and common-sense underwriting. Speed comes down to how quickly title clears.
Yes. Rescue loans, foreclosure bailouts, and maturity default relief are exactly what bridge financing is built for. If time is against you, call me.
No. Bridge loans are interest-only with no prepayment penalty, so you can exit the moment your sale closes or your permanent financing funds without paying extra.
All property types — single-family, multi-family, mixed-use, and commercial — including distressed and transitional assets that traditional lenders avoid.
You exit by selling the property or refinancing into longer-term financing — often a DSCR rental loan — once the property is stabilized or your situation resolves.
Explore More Loan Options
Supporting Guides & Articles
- Bridge Loans 101 For Real Estate InvestorsNeed to close now and sort out permanent financing later? A bridge loan buys you time and leverage. Here is how to use one wisely.
- Hard Money vs. Conventional: When Speed WinsA 45-day bank close can cost you the deal. Here is when paying a few points for speed and certainty is the smartest money you will spend.
Ready To Fund Your Deal?
Tell me about your project and get a same-day answer. No application fee, no obligation, no nonsense.