Bridge Financing
Move on the Deal. Bridge the Gap.
Short-term bridge loans for investors who need to act fast — before conventional financing catches up to the opportunity.
When Timing Is the Deal
Real estate opportunities don't wait for 45-day conventional loan timelines. Bridge loans are designed for exactly that gap — when you need to close now and arrange permanent financing later, or when the property doesn't yet qualify for long-term lending.
Whether you're acquiring a value-add multifamily, bridging between the sale of one property and the purchase of another, or stabilizing a commercial asset before refinancing, a bridge loan keeps your capital moving and your deals closing.
Scenarios We Finance
When Investors Use Bridge Loans
Acquisition Before Stabilization
Purchase a property that isn't yet cash-flowing or fully leased — bridge to stabilization, then refinance into permanent financing.
Buy Before You Sell
Acquire your next investment before your current property closes. Avoid missing deals because of timing mismatches in your portfolio.
Value-Add Repositioning
Fund the acquisition and light-to-moderate renovation of a value-add asset, then refinance at the improved value.
Time-Sensitive Acquisitions
Distressed sales, auction purchases, estate sales, and off-market deals often require proof of funds and fast closes that conventional lenders can't deliver.
Construction Completion
Bridge a partially completed construction project to completion when the original financing falls short or a new lender requires a finished asset.
Portfolio Recapitalization
Unlock equity across multiple properties simultaneously to fund new acquisitions or rebalance a portfolio without triggering individual refinances.
Program Parameters
Bridge Loan Parameters
Loan Term
6 to 24 months
Loan-to-Value
Up to 75–80% LTV
Loan Amount
$250,000 to $10M+
Interest Structure
Interest-only during term
Close Timeline
10–21 business days
Extensions
Available with qualifying conditions
Prepayment
Flexible prepayment options
Recourse
Full and non-recourse available
Asset Classes
Eligible Asset Classes
Multifamily (5+ Units)
Value-add and stabilization bridge loans for apartment buildings and larger multifamily assets.
Single Family & 2–4 Unit
Residential bridge loans for investors acquiring, repositioning, or transitioning between properties.
Office & Retail
Commercial bridge financing for lease-up, repositioning, or acquisition of office and retail assets.
Industrial & Warehouse
Bridge loans for industrial acquisitions, tenant transitions, and light repositioning.
Mixed-Use
Residential over commercial and mixed-use assets with complex income structures.
Hospitality
Bridge financing for hotel and short-term rental acquisitions and repositioning projects.
Your Exit Plan
Planning Your Bridge Exit
Refinance to Permanent Financing
The most common exit — stabilize the asset, then refinance into a DSCR, conventional, or commercial permanent loan at the improved value.
Sale of the Asset
Complete the value-add strategy and sell at the repositioned value, paying off the bridge at closing.
1031 Exchange
Use the bridge period to identify and close on a replacement property in a tax-deferred exchange.
Portfolio Refinance
Consolidate multiple bridge positions into a single portfolio loan once assets are stabilized.
28 Years Bridging the Gap
Bridge lending is relationship lending. The lender needs to understand your business plan, your exit, and your track record — not just the current rent roll. With 28 years structuring investment property financing, I've helped investors bridge acquisitions that conventional lenders couldn't touch, stabilize assets that needed time to perform, and move on opportunities that required a close in days. The right bridge loan is one where the exit is as clear as the entry.
Common Questions
Frequently Asked Questions
Bridge financing has nuances that vary by deal, asset class, and exit strategy. Here are the questions investors ask most often.
Get Started
Tell Me About the Gap You Need to Bridge
Every bridge situation is different. Share the acquisition, the business plan, and the exit — and I'll structure financing that gets you to the closing table and sets up a clean refinance on the other side.