Use cases
Value-add acquisitions, quick closes for off-market deals, lease-up bridges, transitions between lenders, and pre-development capital.
03 — Bridge
Short-term bridge loans.
For value-add acquisitions, time-sensitive opportunities, or transitions between long-term financing. Residential and commercial.
03 — Bridge
Speed when the deal depends on it.
Bridge loans close fast — typically 10 to 14 days when the file is clean. We lend against the property and the plan, which means experienced operators can move on deals that banks won't touch in time.
Terms are designed for a clear exit — sale, stabilization, or refi into a permanent loan.
80%LTV
7.9%Starting rate
6–24moTerm
Criteria
What we fund.
Property types
SFR, 2–4 unit, small multifamily, mixed-use, and select commercial. Non-owner-occupied business-purpose.
Exit
Sale, stabilization + refi, or take-out into our 30-year DSCR rental program. We price the bridge with the exit in mind.
FAQ
Program-specific questions.
How fast can you close? +
Fast — days when the file is clean. The constraint is usually title and appraisal, not underwriting.
Do I need an appraisal? +
Usually yes, but we can sometimes work from a recent appraisal or BPO when speed is critical. Your account manager confirms the evidence we need on the first call.
Are there prepayment penalties? +
Generally no on bridge. Confirmed at term sheet.
Can you structure interest-only? +
Yes — interest-only is the default on most bridge structures, with principal due at exit.