Short-term debt for property that is finished but not yet ready for a conventional loan. Newly built, newly renovated, vacant but stabilized, or waiting on leases and seasoning. Bridge capital buys you the time to get there on your terms.
A bridge loan solves a timing problem. The property is real, the value is there, but something a permanent lender requires is missing: a lease, a seasoning period, a certificate of occupancy, or a stabilized operating history. Rather than accept worse permanent terms or lose the property, you borrow short and refinance once the file is clean.
Investors use bridge debt to buy quickly in a competitive market, to take out a construction loan that is coming due, to hold a finished flip while it's listed, and to season a newly renovated rental before locking a 30-year rate.
Bridge money is priced for speed and flexibility, which means the exit matters more than anything. We want to see how the loan gets repaid before we write it.
Construction or renovation is complete, but the property needs leases or seasoning before permanent debt makes sense.
A seller who needs certainty in days. Bridge debt now, permanent financing after you own it.
A construction or acquisition loan maturing before your plan is finished. A bridge buys the runway to finish it properly.
| Property types | Non-owner-occupied residential and small multifamily |
|---|---|
| Condition | Newly built, newly renovated, or otherwise stabilized |
| Occupancy | Vacant is acceptable |
| Loan purpose | Purchase, refinance, or takeout of maturing short-term debt |
| Exit | Refinance into long-term debt, or sale |
| Pricing | Quoted per deal — ask for current terms |
Program parameters and pricing are set per deal and subject to change. Send us the property and we will put real terms in writing rather than quoting a range that moves.
What's done, what's left, and when you expect to refinance or sell. The exit drives the structure.
A quote with conditions spelled out, so you can compare it against your permanent options.
Bridge files are lean by design. We move at the speed the opportunity requires.
Season, lease, or sell, then refinance into permanent debt. We can write that loan too.
Every funded borrower gets a seat in the Borrowers Circle: in-person masterminds, monthly AI workshops, the December couples retreat, and the Education Vault — 200+ hours of training, models, and templates. No membership fee, no application, and none of it priced into your rate.
Short-term financing that covers the period between one stage of a project and its permanent financing or sale. It's secured by the property and repaid from a refinance or a sale, not from operating income over decades.
Yes. Vacancy is one of the most common reasons investors need bridge debt in the first place. A finished, unleased property is often ineligible for permanent financing until it's occupied.
Faster than conventional debt, because there's less to verify. Speed depends on title, appraisal, and how quickly your documents arrive. Tell us your deadline up front and we'll tell you honestly whether we can hit it.
They're close relatives. Both are short-term and asset-based. “Bridge” describes the purpose, spanning a gap, while “hard money” describes the underwriting style. The same loan often answers to both names.
A refinance into long-term rental debt once the property is leased and seasoned, or a sale. We write the DSCR rental loans investors commonly refinance into, so the handoff isn't a new relationship.
No. Stabilized condition matters more than current occupancy. That said, your lease-up plan is part of the underwriting, because it's part of the exit.
Quotes come from people who invest for a living, not a call center. If the deal doesn't work, we'll tell you that too.