Bridge Loans
Short-Term Financing to Help You Move Forward with Confidence
Bridge loans provide the speed and flexibility real estate investors and developers need to seize opportunities, close deals, reposition assets, and transition to long-term financing or a sale.
$800M+
IN LOANS CLOSED
300+
PROJECTS FUNDED
200+
HAPPY CLIENTS
12+
YEARS OF EXPERIENCE
overview
Flexible Financing When
Timing Matters
Bridge loans are designed to provide short-term capital for real estate investors who need to act quickly. Whether you are purchasing a new property, refinancing an existing loan, repositioning an asset, or waiting on a long-term loan to close, a bridge loan can help you bridge the gap and keep your plans on track.
Bridge loans can be used for
Property Purchases
Close quickly on new acquisitions without waiting on long-term financing.
Refinancing Existing Debt
Pay off an existing loan while securing better terms or more favorable long-term financing.
Rehab & Renovations
Finance improvements and repositioning before refinancing or selling.
Short-Term Working Capital
Access funds quickly for time-sensitive opportunities or business needs.
Stabilize Before Refinance
Hold the property short-term while improving occupancy, income, or value.
Bridge to Exit
Bridge the gap between your purchase and planned sale.
Typical Bridge Loan Structure
Loan Type
Short-term bridge financing
Property Types
Residential, multifamily, mixed-use, commercial, and land
Loan Amounts
$250,000 - $20,000,000+
Leverage
Up to 90% LTV
Term
6-24 Months
Interest Payments
Interest-only payments
Exit Strategy
Refinance, sale, or payoff with long-term financing
Actual terms can vary by, borrower qualifications, property type, project budget, market, and exit strategy.
What matters most to bridge lenders
Exit Strategy
A clear plan to sell, refinance, or hold the completed property is critical. Without it a project cannot be successful.
Property Value
We focus on the current value and future potential of the property rather than personal income or finances.
Equity Position
The more equity in the deal, the stronger the terms may be. Lower LTV positions get the best terms.
Borrower Experience
Experience in real estate investing, development, or property management can improve lender confidence.
Timeline
We evaluate how quickly you need the funds and how realistic your expected exit is.
Credit & Liquidity
While credit is less of a focus than with traditional bank financing, we still want to see the ability to execute the plan.
frequently asked
Common Questions
Timing depends on the property, loan size, lender, and complexity of the deal. In some cases, bridge loans can close quickly when the borrower has a clear exit strategy and the required documents are ready.
Bridge loans are usually short-term loans. Many range from 6 to 24 months, depending on the property type, and exit plan.
Bridge loans can be used for many property types, including residential investment properties, multifamily, mixed-use, commercial properties, and land. The final structure depends on the lender and the deal.
Rates vary based on the property, borrower experience, leverage, market, and exit strategy.
Yes. Many bridge loans are used as short-term financing before refinancing into long-term debt once the property is stabilized, improved, leased, or otherwise ready for permanent financing.
Not necessarily. We often focus heavily on the property, equity position, and exit strategy. However, credit, liquidity, and borrower experience can still affect approval and loan terms.
Need Capital to Close the Gap?
Bridge loans give you the flexibility to move quickly and take advantage of opportunities when they arise. Build Lending is here to help you get there.