Close fast. Stabilize. Refinance.
Bridge loans provide short-term gap financing so you can move quickly on time-sensitive deals. Acquire at auction, stabilize a vacant property, or meet a 1031 exchange deadline -- then refinance into permanent debt. Most deals close in 14-21 days with interest-only payments and minimal documentation.
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When you need a bridge loan
Auction and foreclosure buys
Foreclosure and auction deals require fast closings, sometimes within days. Traditional financing cannot move that quickly. A bridge loan gives you the capital to secure the deal now and arrange permanent financing afterward.
Property needs stabilization
You acquired a property with below-market rents or high vacancy. Permanent lenders want stabilized income before they will fund. A bridge loan carries you through lease-up so you can refinance once the numbers work.
1031 exchange deadline
The IRS gives you 180 days to close on a replacement property in a 1031 exchange. When your permanent financing is not ready in time, a bridge loan ensures you meet the deadline and preserve your tax deferral.
Gap between sale and purchase
You are selling one property and buying another, but the timing does not align. A bridge loan covers the gap so you do not have to make your purchase contingent on your sale or risk losing the deal.
Bridge-to-permanent strategy
The most common bridge loan playbook: acquire fast, stabilize the asset, then refinance into long-term debt at better terms.
Bridge loan
Close quickly on the acquisition with short-term, interest-only financing.
Rehab and lease-up
Make improvements, fill vacancies, and bring rents to market rate.
Stabilize NOI
Demonstrate 3-6 months of stabilized net operating income to qualify for permanent debt.
Refinance
Move into a DSCR or conventional loan with a 30-year term and lower rate.
Bridge vs hard money vs conventional
Each product serves a different purpose. Here is how they compare for investment property acquisitions.
| Feature | Bridge | Hard money | Conventional |
|---|---|---|---|
| Speed to close | 14-21 days | 7-14 days | 30-45 days |
| Typical term | 6-24 months | 6-12 months | 15-30 years |
| Interest type | Interest-only | Interest-only | Fully amortizing |
| Max LTV | Up to 80% | Up to 70-75% | Up to 85% |
| Best for | Stabilization, gap financing | Heavy rehab, distressed assets | Stabilized buy-and-hold |
Frequently asked questions
Need to move fast on a deal?
Get a bridge loan quote in minutes. Our team will structure the right short-term financing for your timeline and exit strategy.
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