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Bridge Loans
Short-term financing to bridge the gap to permanent capital
Commercial bridge loans provide short-term financing (typically 6-36 months) to acquire, renovate, or stabilize a property before securing permanent financing or selling. They close fast and offer flexibility that traditional loans can't match.
Find Bridge Lenders →Loan Range
$250K – $50M
Typical Rate
8% - 12%
Down Payment
20-30%
Term
6-36 months
Closing Time
1-3 weeks
🎯 Best For
- • Value-add acquisitions
- • Renovations before refinance
- • Properties not yet stabilized
- • Time-sensitive deals
✅ Advantages
- ✓ Extremely fast closing
- ✓ Flexible underwriting
- ✓ Interest-only payments
- ✓ Finance properties conventional lenders won't touch
⚠️ Considerations
- • Higher interest rates
- • Short term requires exit strategy
- • Origination fees (1-3 points)
- • Prepayment penalties possible
Bridge Loan Requirements
- ✓ Clear exit strategy (refinance or sale)
- ✓ Sufficient equity or down payment
- ✓ Property with upside potential
- ✓ Borrower experience (preferred)
Bridge Loans FAQ
What's the difference between a bridge loan and hard money? ▼
They overlap significantly. Bridge loans tend to be slightly more institutional, with lower rates and higher minimums. Hard money is often from private individuals, more flexible but more expensive. The terms are sometimes used interchangeably.
When should I use a bridge loan? ▼
When you need to close fast, when the property doesn't qualify for permanent financing yet (unstabilized, needs renovation), or when you need short-term capital while arranging long-term financing.
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