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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Bridge Loans in Orange County, CA

Find lenders offering bridge loans in the Orange County, including Anaheim, Irvine, Santa Ana, and surrounding areas. Compare rates, terms, and programs from 42 lenders.

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Lenders

Typical Rate

8% - 12%

Down Payment

20-30%

Term

6-36 months

Closing Time

1-3 weeks

Bridge Lenders Serving Orange County

42 lenders offering bridge loans in the Orange County, CA area.

Anchor Loans

Local

Thousand Oaks, CA

One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.

$100K – $10M

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Civic Financial Services

Local

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

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CoreVest Finance

Local

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

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iBorrow

Local

Commercial real estate bridge lender. Loan amounts up to $100M+. Fast closing for large CRE transactions.

$2M – $100M

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Kiavi

Local

San Francisco, CA

Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.

$100K – $3M

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Mesa West Capital

Local

Los Angeles, CA

CRE credit platform providing bridge and transitional loans from $20M to $200M+. Focuses on institutional-quality assets across the US.

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Sabal Capital Partners

Local

Pasadena, CA

Small balance commercial lender. Loans from $1M to $20M for CRE and multifamily properties. Balance sheet and CMBS programs.

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Stbridge Capital

Local

Los Angeles, CA

Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.

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Truss Financial Group

Local

Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.

$100K – $3M

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PNC Bank, National Association

SBA

WILMINGTON, DE

One of the largest U.S. banks, offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive treasury management. Full-service business banking across the eastern United States.

68 SBA loans

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Acore Capital

New York, NY

Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.

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Arbor Realty Trust

Uniondale, NY

Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.

$1M – $100M

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Berkadia

Ambler, PA

Joint venture of Berkshire Hathaway and Jefferies. Commercial mortgage banking, investment sales, and servicing.

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Broadmark Realty Capital

Seattle, WA

Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.

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CBRE Capital Markets

Dallas, TX

Global CRE services and capital markets. Arranges debt and equity for all commercial property types.

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Orange County Commercial Real Estate Market

Orange County offers a diversified CRE market anchored by the Irvine Spectrum and South Coast Metro office corridors, which host major tenants in technology, financial services, and professional services. The Irvine Company's extensive land holdings and master-planned development approach give the submarket a distinctive character, with tightly controlled supply and consistently strong rents. The Anaheim Resort district, centered on Disneyland and the Anaheim Convention Center, drives hospitality and entertainment-related CRE demand. Industrial activity concentrates in the Airport Area near John Wayne Airport and in the older infill markets of Anaheim and Santa Ana, where smaller flex and warehouse properties serve local distribution needs.

Key Economic Drivers

●Irvine Spectrum and Great Park Neighborhoods tech and life sciences campus growth
●Disneyland Resort and Anaheim Convention Center tourism economy
●Broadcom, Western Digital, and semiconductor company headquarters
●John Wayne Airport (SNA) and related business travel infrastructure

Market Insight

Irvine Company controls a significant share of Orange County's Class A office inventory, and its pricing discipline has historically kept OC office rents more stable than peer markets during downturns, which is a key dynamic for tenants and investors to understand.