Financing That Moves at the Speed of Opportunity
Bridge loans provide short-term financing that connects you from your current situation to your ultimate goal—whether acquiring a new property before selling your existing one, securing a time-sensitive investment opportunity, or funding business transitions that require immediate capital. These aren't traditional mortgages with traditional timelines; they're strategic financial tools for sophisticated borrowers who understand that perfect opportunities don't wait for perfect timing. The key is recognizing when speed and flexibility justify higher costs and shorter terms.
Available Programs
Loan Terms
- 6-Month Terms
- 12-Month Terms
- 18-Month Terms
- 24-Month Terms (Select Programs)
Rate Type Options
- Variable Rate (Prime-Based)
- Fixed Rate Options
- Interest-Only Payment Structures
Specialized Programs
- Residential Bridge Loans
- Commercial Bridge Financing
- Investment Property Bridge Loans
- Business Acquisition Financing
- Construction-to-Permanent Bridges
Refinance
- Bridge-to-Permanent Loan Conversions
- Traditional Refinancing Upon Bridge Maturity
- Portfolio Transition Financing
Residential Bridge Loans: Home Transitions Without Compromise
Residential bridge loans eliminate the timing constraints that force homeowners to either sell before buying (losing negotiating power and facing temporary housing) or buy contingent on sale (weakening purchase offers in competitive markets). These loans use your current home's equity to fund your new home purchase, giving you the flexibility to secure your next property, complete any necessary renovations, and market your existing home properly rather than under pressure. Most programs allow 6-12 months to complete the sale and transition to permanent financing, with interest-only payments preserving cash flow during the transition period.
Commercial Bridge Financing: Capturing Business Opportunities
Commercial bridge loans serve businesses and investors who need rapid capital deployment for time-sensitive opportunities—acquiring distressed properties, funding business expansions, or bridging cash flow gaps during major transitions. These loans typically focus on asset value and exit strategy rather than extensive financial documentation, allowing qualified borrowers to act quickly on opportunities that traditional financing timelines would eliminate. Common uses include property repositioning, business acquisitions, equipment purchases, and working capital during expansion phases where speed of execution determines success or failure.
Basic Qualification Framework
Credit Requirements
- Minimum credit scores typically 650+ for residential, 680+ for commercial
- Strong credit history and payment performance required
- Asset-based lending considerations for commercial deals
Down Payment Requirements
- Residential: 20-30% equity in existing property required
- Commercial: 25-40% down payment or equity position
- Combined loan-to-value limits typically 70-80%
Income & Employment
- Residential: Standard income verification required
- Commercial: Business cash flow analysis and debt service coverage
- Exit strategy documentation crucial for approval
Property Eligibility
- Residential: Primary homes, second homes, investment properties
- Commercial: Office, retail, industrial, mixed-use properties
- Properties must have clear marketability and value documentation
Speed Costs Money: Strategic Bridge Loan Deployment
Bridge loans command premium interest rates—typically 2-6% above traditional mortgage rates—because they provide speed, flexibility, and non-traditional underwriting that conventional lenders cannot match. Success requires clear exit strategies: confirmed sale timelines for residential borrowers, proven cash flow improvements for commercial borrowers, and adequate reserves to service bridge debt while executing the transition plan. Our bridge loan specialists evaluate whether the opportunity's potential returns justify the premium costs and help structure terms that maximize your flexibility while minimizing financial risk during the transition period.
Ready to move at opportunity speed? Contact our bridge loan specialists who understand how to structure short-term financing that captures time-sensitive opportunities while managing the higher costs and strategic risks of transitional financing.
*Bridge loans subject to higher interest rates, shorter terms, and asset-based underwriting. Clear exit strategy required for approval. Property values and market conditions affect availability and pricing.