Bridge Loans
Bridge Loans
Built for Investors.
No waiting, no missed opportunities.
Fast, flexible bridge financing that keeps your real estate goals moving forward — without the wait.
Bridge Loans
What is a
Bridge Loan?
A bridge loan is short-term financing designed to “bridge the gap” between buying a new property and selling or refinancing another. Investors and homeowners use bridge loans to act quickly, secure properties, and leverage equity before permanent financing is ready.
At New Century Lending, our bridge loans are built for speed and flexibility — helping you close in days, not months, and keep your investment projects on track.
Use a Bridge Loan To:
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- Purchase a new property before selling an existing one
- Finance renovations prior to refinancing
- Access short-term capital for time-sensitive opportunities
- Avoid missing out on competitive real estate deals
Quick Benefits
- No Personal Income Verification
- Qualify Based on Property Performance
- Build and Scale Your Investment Portfolio
- Fast, Streamlined Closings
- Flexible Loan Options
- Works for Short-Term and Long-Term Rentals
- Keep Personal and Business Finances Separate
Frequently Asked Questions
How long are bridge loans?
Most terms range from 6 to 18 months, depending on your strategy and exit plan.
How much can I borrow?
Typical loan amounts range from $150,000 to $5 million+, based on property value and equity.
Do I need perfect credit?
No. Bridge loans focus primarily on collateral and deal strength, not just credit scores.
Can I use a bridge loan for investment properties?
Absolutely. They’re ideal for flips, rehabs, and time-sensitive acquisitions.
What’s my next step?
Fill out the Quick Quote Form or call to connect with a New Century Lending Bridge Loan Specialist today.
Loan Programs
DSCR Loans
Qualify on the property's cash flow, not your tax returns. No personal income documentation. Up to 80% LTV. 30-year fixed, ARM, and interest-only options. Vesting in LLC, LP, or personal name accepted. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
Portfolio Loans
Consolidate five or more rental properties into a single loan. One payment, one closing, one set of conditions. Lower rates and origination fees than financing each property separately.
Hard Money / Asset Based
Loan decisions made on the property, not the credit report. Pure asset-based underwriting with rapid close. For time-sensitive acquisitions and complex situations. Rates from 8.5%.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add financing. Bridge-to-perm structures available. Loan amounts from $250,000 to $25,000,000+.