Short-term financing to bridge the gap between two real estate transactions.
$100K – $20M
Loan Amount
8% – 13%
Typical APR
6 – 36 months
Loan Term
5 – 14 days
Funding Time
A bridge loan is a short-term real estate loan used to 'bridge' the gap between buying a new property and selling an existing one, or between a short-term loan and permanent financing. They close fast and give borrowers the flexibility to act quickly in competitive real estate markets.
Minimum Credit Score
640+
Buy Before You Sell
Purchase your new home before your current home has sold
Competitive Offers
Make non-contingent offers that compete with all-cash buyers
Property Stabilization
Acquire vacant properties and lease them up before refinancing
Refinance Bridge
Use short-term financing while permanent financing is being arranged
Commercial Transitions
Bridge between tenant transitions or lease-up periods on commercial assets
Opportunity Purchases
Move quickly on time-sensitive deals without waiting for bank approval
From application to funding — here is exactly what to expect when applying for a Bridge Loans.
Determine how much capital you need and for how long to bridge the transaction gap.
Lender reviews the property value and your exit strategy (sale, refinance, or lease-up).
Bridge loans can close in as few as 5 days — allowing you to act fast on any opportunity.
Sell the property, refinance into permanent debt, or stabilize the asset to repay the loan.
Min. Credit Score
640+
Down Payment / Equity
20%+ in property
Exit Strategy
Clear documented plan
LTV
Up to 75% of value
Collateral
Real property required
Experience
Preferred for commercial
Advantages
Extremely fast closings (5–14 days)
Removes financing contingency from offers
Interest-only payment structure
Flexible on property condition
Considerations
Higher rates than permanent loans (8–13%)
Short terms require a clear exit strategy
Fees and points can add up
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.