Bridge Loans
Bridge Loans & Fix-and-Flip Financing
Short-term financing for investors who buy at auction, off-market, or under contract — and need to close before traditional lenders have finished reviewing the application. Up to 90% of purchase plus 100% of rehab. Four-day construction draws. Five-day close. No tax returns. No W-2s.
Average Close Time
of Rehab Budget Financed
Draw Processing
Bridge Rates
Bridge Loans
What is a
Bridge Loan?
A bridge loan is short-term financing — typically 6 to 24 months — that bridges the gap between two longer-term events: an acquisition and a refinance, a renovation and a sale, a value-add and a stabilization. For real estate investors, the bridge loan is the workhorse acquisition product, especially when speed and flexibility matter more than the rate.
Fix-and-flip loans are bridge loans built specifically for renovate-and-resell projects. They finance not only the purchase but the rehab budget itself, drawn in stages as the work is completed and inspected. After the property sells, the bridge loan is paid off from the closing proceeds, the investor takes the profit, and moves to the next deal.
🔨 Bridge Loans Are Non-QM Loans
Every bridge loan we originate is a business-purpose Non-QM loan on non-owner-occupied investment property. That means no tax returns, no W-2s, no debt-to-income analysis — ever. If you have been searching for a Non-QM lender for fix-and-flip or short-term acquisition financing, you are in the right place.
See all of our Non-QM loan programs →Who Bridge Loans Are Built For
- Fix-and-flip investors buying distressed property to renovate and sell within 6–12 months
- BRRRR investors buying, rehabbing, renting, and refinancing into a long-term DSCR loan
- Auction buyers who need verifiable proof of funds and a guaranteed close inside the auction's 30-day window
- Cash-out investors tapping equity in an existing property to fund the next acquisition before stabilization is complete
- Value-add multifamily investors buying a stabilized-but-underperforming asset, executing a value-add plan, and refinancing or selling at completion
Bridge Loan Terms
| Loan Amounts | $100,000 to $10,000,000+ |
| Loan-to-Cost (LTC) | Up to 90% of purchase price |
| Rehab Funding | Up to 100% of rehab budget on qualifying deals |
| Loan-to-ARV | Up to 75% of after-repair value |
| Term | 6, 12, 18, or 24 months with extension options |
| Rates | From 7.0% (verify current pricing) |
| Payment Structure | Interest-only during the term |
| Property Types | 1–4 unit residential, multifamily 5+, mixed-use, light commercial |
| Vesting | LLC, LP, corporation, or individual |
| Income Documentation | None — qualification is asset-based |
| Draw Turnaround | 4 business days from inspection request |
| Time to Close | 5 business days on clean files |
Bridge Loan Frequently Asked Questions
How fast can a bridge loan close?
Most bridge loans close in 5–10 business days from term sheet acceptance. The longest-pole item is the appraisal — on time-sensitive auction deals, we can use a BPO to compress the timeline further.
Do I need to put my own money into the deal?
On most fix-and-flip loans, the borrower contributes a portion of the purchase price (10% on qualifying deals). Rehab funds are advanced through draws as work is completed.
What is the difference between a bridge loan and a hard money loan?
The terms are often used interchangeably. A bridge loan emphasizes the time gap between two events; a hard money loan emphasizes that underwriting is asset-based. Most fix-and-flip loans are both.
Can I get a bridge loan in an LLC?
Yes — and we strongly recommend it for liability reasons. We close bridge loans in LLCs, LPs, and corporations as well as individually.
How are construction draws handled?
Submit a draw request with photos and receipts. We schedule an inspection (usually next-day), and funds wire within 4 business days of inspection sign-off.
What credit score do I need for a bridge loan?
Bridge loans are asset-based, so credit requirements are lower than DSCR. Programs available from 620 FICO, with better pricing at 680+.
Can a bridge loan be extended?
Yes. Most of our bridge loans include extension options at predetermined fees if the project runs long.
What happens at the end of the bridge loan term?
The loan is paid off — either from sale proceeds (fix-and-flip) or from a refinance into a DSCR loan (BRRRR). Our team works with you on the take-out plan from day one.
How the Bridge Loan Process Works
Step 1 — Apply and submit the deal
Submit the deal in our portal. We need the purchase contract or auction documentation, the rehab scope and budget, the projected ARV (with comps), and your investor experience summary.
Step 2 — Term sheet within hours
Our underwriting team reviews the deal economics and returns a term sheet — typically same-day on submissions received before noon.
Step 3 — Property valuation and rehab review
We order the appraisal with both as-is and after-repair valuation. Our construction team reviews the rehab scope and budget. On time-sensitive deals, we accept BPO valuations to keep the timeline moving.
Step 4 — Close and fund
Title, insurance, and entity documentation run in parallel. Most bridge loans close in 5–10 business days from term sheet acceptance. Closings are wired directly to title.
Step 5 — Construction draws as work completes
Submit a draw request through the portal with photos, receipts, and a brief progress note. We schedule an inspection (typically next-day), and funds wire within 4 business days of inspection sign-off.
Related Loan Programs
DSCR Loans
The take-out refinance after stabilization. Once your bridge project is complete and the property is rented, refinance into a long-term DSCR loan.
Explore DSCR Loans
Hard Money Loans
For purely asset-based, non-rehab acquisitions where speed is the priority and the deal economics drive the decision.
Explore Hard Money Loans
Commercial Real Estate Loans
For larger value-add multifamily and commercial deals that exceed residential bridge parameters.
Explore Commercial Real Estate Loans
Have a Deal Under Contract?
Get a real bridge term sheet in hours. Five-day close. Up to 100% of rehab. Direct lender — no "let me check with my investor."